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.
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 could 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 (limits apply).
Don’t worry if you have past bad credit history – you may still qualify for a loan. We mainly look at your current ability to repay, not just old credit issues.
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 approved, the money can be transferred into your bank account overnight or in as soon as 30 minutes* (conditions and a small fee apply – please refer to the loan application form for timing of funds to you and any fees involved).
Apply Now and take control of your situation today!
Important information you need 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 and 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.