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Same Day Loans

A same day loan can be a fast and convenient way to save yourself the trouble of worrying about how you are going to cover an unexpected expense.

Accidents, large bills or rental bonds can end up costing a lot more money than anticipated and cause lots of stress – especially if your next pay day is too far away and there is no one to borrow money from.


Do I qualify?

As long as you meet the following criteria, you have very high chances of getting a same day loan:

  • You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand;
  • You need to have been permanently employed with the same employer for at least 3 months;
  • For our ‘Need A Lift’, ‘Going Places’ & ‘In Motion’ loans, you need to be earning at least $350 a week (after tax) excluding government benefits;
  • For our ‘Moving Forward’ loans, you need to be earning at least $800 a week (after tax) excluding government benefits – only available to eligible Returning clients;
  • Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months;
  • You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order;
  • You have access to the Internet and a mobile phone.

Please note this is a guide only – in certain circumstances we may not be able to offer you a loan.



Why choose us?

  • Easy and confidential online application form – we try to keep your application confidential and usually only perform one anonymous call to your employer during the application phase;
  • Past Bad credit may be OK;
  • You get to choose the number of repayments to suit your current needs (limits apply and depend on pay cycle frequency);
  • We offer super-quick loan decisions: usually within 60 minutes once all supporting documentation is received;
  • If approved, the money will be deposited into your account overnight or within 30 minutes* if you choose our express payment option.
  • Our friendly and fast NZ-based customer service team are available on online chat, email, fax and phone from 8.30am until 5.30pm Monday to Friday;
  • We are also fully committed to the responsible lending principles.

*The 30 minutes express payment option is only available on our ‘Need A Lift’ loans. Conditions and a small fee apply to this option if selected.

Have questions?

Please don’t hesitate to contact us at, on 0800 227 484 or via our online chat facility in the bottom right corner of the screen for more information.