Check the latest winners here - congratulations! | Express Payment - Get cash in your account in 30 minutes!! | Testimonials from our customers - Service was great, got what I needed without a hassle, 29/08/2014 | Extremely impressed with the new online system! No scanning and emailing, was easy to top up and money was in my account within 20 minutes! Hands down, the best payday loan company in NZ, 29/08/2014 | You guys are just so understanding, and the fastest service!, 28/08/2014 |

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 under control 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 $750 on the same day. With highly flexible repayment terms, you can control the short term loan to best suit your requirements.

And don't worry if you have bad credit history - you may still qualify for a loan. We only look at your current ability to repay, not credit issues that are in the past!

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.

If your application is pre-approved, we simply do a few important final checks to ensure the affordability and suitability of our service to you as the borrrower, according to our Responsible Lending policy. Once approved, the money will be transferred into your nominated bank account within 30 minutes (or overnight if preferred).

Apply Now and take control of your situation today!

QUICK CALCULATOR
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Amount of cash loan
No of weeks
Express Payment Yes No
Fees $ 0.00
Interest cost $ 0.00
Repayment $ 0.00
Total amount due $ 0.00
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Important information we need you to know

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 $50 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.