3 months24 months
Total Repayment:
Weekly Instalments*:

* Disclaimer: This calculation is for indicative purposes only and is to be used as a guide. It is not an offer of finance or a quote. The calculation uses an example interest rate of 49.95% per annum and is based on amortised schedule repayments with a fixed interest rate.


Cash loans that put you in control

Unlike many lenders offering payday loans we now offer non high cost loans. Compare our rates and save.

If you need quick 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 an unsecured personal 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.


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, we could offer loans from $500 to $5,000 with flexible repayment terms, you can control the loan to best suit your requirements.


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 loan offer for you. If your application is approved, the money can be transferred into your bank account overnight.

Apply Now and take control of your situation today!


Our Loans are $500 – $5,000, usually over a 3-24 Month Term
AIR / APR (Annual Interest Rate) Our AIR goes up to 49.95% per annum. An Establishment fee of $125.00 applies. IMPLICATIONS OF NON PAYMENT: To avoid additional costs please repay your loan according to agreed terms, however where a non-payment (or other default) occurs the following applies; Default Fees: A fee of $10 applies to each missed or failed payment. A fee of $5 applies for each reminder letter. Other Costs: Any additional charges or costs are set out on our Cost of Borrowing section. Collection Practices: We undertake collection of our loans in accordance with legal requirements and industry standards and will promptly contact you should you miss a payment date. Credit Score Implications: A repaid loan should positively influence your credit score. However a missed payment, failed payment or unpaid loan is likely to negatively impact your credit score.


Assistance available:

For information on Repayment Problems, Unforeseen Financial Hardship, Repayment Waiver, or Complaints, please refer to the Contacts page of our website or the terms of your loan agreement.

For contact details or information on our free independent disputes resolution scheme operator: Financial Dispute Resolution Service, refer to our Complaints page or visit www.fdrs.org.nz.

For contact details or information on independent confidential budgeting services or advice, refer to our External Resources page or visit www.moneytalks.co.nz.