Borrow up to $1,000 today. We can deposit into your bank account in 30 mins.*

Apply For A Loan

* To receive your funds, please ensure you have sent all supporting documents to our lending team to process your loan
Check the latest winners here - congratulations! | Express Payment - Get cash in your account in 30 minutes! | Testimonials from our customers - I can always rely on Payday Advance to help me out during tough times. Money is in my account as promised on time. Excellent service and always looking out for me when needed., 10/03/2017 | A+++ for service. Very helpful with any queries. Very efficient and I love that I don't have to go anywhere to apply. All done online or via txt. Simplicity at it's best., 27/02/2017 | Always there when needed, no hassles and thats why I use this service., 21/02/2017 |

Short-term cash loans that put you in control

If you need short-term cash Payday Loans that are fast and flexible - then you're in the right place! Payday Advance has helped thousands of people across New Zealand with a short-term NZ loan to see them through to their next pay day. A loan from Payday Advance is quick and easy and it puts you back in control of your situation.

Get Started Now and get things underway in just 30 minutes!

You decide the Payday Advance that's best for you

If all you need is a few hundred dollars to carry you through to payday, then talk to us today. At Payday Advance, you can borrow up to $1,000 on the same day. With flexible repayment terms, you can control the short term loan to best suit your requirements.

Don't worry if you have past bad credit history - you may still qualify for a loan. We look at your current ability to repay, not old credit issues.

Use our Payday Advance Calculator to see how much you can borrow and what your repayments will be.

Take control and apply now - it's quick and easy

Our Online Cash Application Process is simple and intuitive - and normally only takes a few minutes to complete.

Once your application is complete, we do a few final checks to ensure the affordability and suitability of our service for you. If your application is finally approved, the money can be transferred into your nominated bank account overnight or within 30 minutes (a fee may apply). Note: payments are subject to daily cut off times.

Apply Now and take control of your situation today!

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Important information we need you to know

Please Note: Our loans are designed for short term use only and should not be used as a long term funding option. Products with lower interest rates or for a more appropriate term may be available from other lenders. We encourage you to save interest on our loans by making early repayment (full or partial) at any time for no additional cost.

AIR - Annual Interest Rate Our AIRs range from 520% to 693.5%pa or approx 1.42% to 1.90% per day. Implications of Non-payment We encourage loans to be repaid in accordance with agreed dates, however in the event of a non-payment (or other default) the following applies: Fees - A fee of $40 applies to each missed or failed payment, a fee of $10 for each reminder letter & a fee of $10 for each week you remain in default Default Interest - applies to any overdue amount at 104% per annum Collection practices - We will promptly contact you regarding any missed payments and we undertake to manage collection of our loans in accordance with legal requirements and industry standards. Credit Score implications - When/where credit scoring is used in NZ a repaid loan will most often positively influence your credit score. However when a missed payment, failed payment or unpaid loan occurs this is likely to negatively impact on your credit score. Renewal policy - Renewals are not automatic and are available on loans (other than your first loan) where your past payment history is satisfactory to us and are subject to our discretion. A fee of $20 applies. Click here for further information on our loans.

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Payment Made time is an estimated time your loan will be transferred to your account and is dependant on you:
  1. Selecting the Express Payment option and
  2. Providing us promptly with all requested information.