Reviews collected under Lending Room, the team behind Payday Advance NZ.
Rated 4.9 out of 5 by 1,270+ Kiwis. We match your application to the right lender from 20+ vetted NZ lenders and come back with the best deal on rate, term and fees. One application. We handle the rest.
Most applicants hear back the same business day. Not sure you qualify? Check here →
We run a soft credit check during our assessment. This does not affect your score. Once matched, some lenders accept our check while others may run their own. "Best deal" means rate, term, fees and fit, not just the lowest headline rate.
Estimate your repayments.
Slide to see what your loan could look like across our panel.
Indicative rate 13.95% p.a. Actual rates 8.99%–29.95% p.a. (AIR). One soft check. No credit score impact from our check.
One short form. We handle the matching, the lender conversations and the follow-up so you only have one decision to make.
Tell us your loan amount, purpose and basic situation. Takes about 5 minutes and you only ever do it once.
We assess your profile and match you to the lender on our panel most likely to get you the strongest deal across rate, term and fees.
Our team walks you through the full cost picture before you commit to anything. You decide whether to proceed. No obligation at any stage.
Rated 4.9 out of 5 on Trustpilot — based on 1,060+ reviews from New Zealanders
Whatever you need the money for, tell us once and we match you to the right lender for your situation.
From $1,000 to $250,000 for any personal purpose. Rates from 8.99% p.a. through our panel of 20+ vetted NZ lenders.
Find my best dealNew or used vehicles. Dealer finance rates are often significantly higher than what specialist vehicle lenders offer.
Get my car loan dealRoll multiple debts into one fixed-rate loan. One repayment, one lender, potentially less interest overall.
See my optionsFinance your renovation without touching your mortgage. Secured and unsecured options available.
Find my best dealNew or used boats, jetskis, trailers and motors. Dealer and private sales both accepted.
Find my best dealElective surgery, dental work, fertility treatment and urgent medical costs. Competitive fixed rates.
Find my best dealHoliday, honeymoon or family adventure. A fixed-rate personal loan with a repayment schedule you can plan around.
Find my best dealOpen and employer-specific work visas accepted. Minimum 13 months remaining. NZ-based income required.
See my optionsUse an asset as security to access a larger loan amount or better rate from lenders who specialise in secured lending.
Find my best dealApply once and we match you to the right lender for your situation.
Find my best deal
Dealer finance means one lender, one rate, no comparison. Apply once through Payday Advance NZ and we match you to specialist vehicle lenders from our panel of 20+ vetted NZ lenders who may offer you a significantly better deal, with no impact on your credit score from our check.
We run a soft credit check during our assessment. This does not affect your score. Once matched, some lenders may run their own.
Every time you apply directly with a lender, they run a hard credit check. Apply to five lenders and your score takes five hits before you have borrowed a cent. We match you to the right lender from our panel so you only need one application.
Your credit score stays intact
Our soft check does not appear on your credit file. Applying direct with multiple lenders leaves a hard mark each time, lowering your score at exactly the wrong moment.
Access to specialist lenders
Our panel includes lenders who specialise in personal finance, including some not available directly to consumers, with rates from 8.99% p.a.
Matched to the right lender
Not every lender suits every borrower. We look at your full picture and send your application to the lender most likely to get you the best outcome.
We are on your side
As a registered NZ loan broker (FSP486566), we are required to act in your interest and disclose all fees clearly before you commit to anything.
What happens to your credit score
Applying direct
5 hard checks
One per lender. Each one lowers your score.
With Payday Advance NZ
1 soft check
No impact on your credit file.
Your credit score stays intact
One soft credit check. No score impact. No obligation to proceed.
We work with employed New Zealanders who have a good credit history. Here is what lenders on our panel typically look for.
You are employed
Full-time, part-time or self-employed with verifiable income.
You are a NZ citizen, resident or eligible visa holder
Open work visas and employer-specific work visas with at least 13 months remaining.
You need between $1,000 and $250,000
Personal, car or secured lending across terms of 6 to 84 months.
We don't accept applications from people on benefits, WINZ support, in financial hardship or seeking payday loans.
Not sure if you qualify? Apply and we'll let you know. In most cases we respond the same business day.
What to have ready
Having these on hand speeds up your assessment.
Your NZ driver licence or passport
3 months of bank statements
Details of any existing loans or debts
NZ bank account and mobile number
Many NZ lenders decline visa holders outright. We work with lenders on our panel who specifically cater for employed visa holders with stable NZ income. If your visa has at least 13 months remaining and you have a good credit history, it is worth checking your options.
We run a soft credit check during our assessment. This does not affect your score. Once matched, some lenders accept our check while others may run their own.
Everything you need to know before you apply.
Still have questions? Talk to our team
When we say we find your best deal, we mean the most favourable overall lending package for your situation, not just the lowest interest rate. A loan with a low headline rate but high establishment fees, an unsuitable term or a repayment structure that does not match your cash flow may cost you significantly more in total. We look at the full picture: interest rate, loan term, establishment fees, repayment frequency and lender fit. You are never under any obligation to proceed.
We use a soft credit check during our assessment which does not appear on your credit file or affect your score. After we match you to a lender, some accept our soft check while others may run their own standard credit check as part of their process.
Every time you apply directly with a lender they run a hard credit check that leaves a mark on your file. Apply to five lenders separately and your score takes five hits before you have even borrowed a cent. With Payday Advance NZ you apply once, we assess your situation and match you to the lender from our panel of 20+ vetted NZ lenders most likely to get you the best deal, all with a single soft check.
About 5 minutes. You will need your basic personal details, income information and an idea of how much you want to borrow. Having your driver licence or passport and 3 months of bank statements on hand will speed up the assessment once we receive your application.
Yes. We accept open and employer-specific work visas with at least 13 months remaining, provided you have a regular NZ-based income and a good credit history.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything. Lender establishment fees may also apply.
In most cases you will hear back the same business day. Same-day funding is possible for applications approved before 12pm on business days.
The minimum is $1,000 and the maximum is $250,000, depending on the lender and your circumstances. Loan terms range from 6 to 84 months.
We do not accept applications from people on benefits, WINZ support, in financial hardship or seeking payday loans. We work with employed New Zealanders with a good credit history. If you are facing financial hardship, we recommend contacting MoneyTalks free on 0800 345 123 for free budgeting and financial guidance.
We match you to the right lender from our panel of 20+ vetted NZ lenders and walk you through the full cost picture before you commit to anything.
