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Apply for a Short Term Loan

Applying for a "Need a Lift" loan is very easy. Check below to see if you meet our eligibility criteria.

  • Be over 18 and a NZ resident / citizen
  • Earn over $350 per week (after tax) excluding government benefits
  • Pay gets deposited into your own NZ bank account
  • Not be Bankrupt or under a No Asset Procedure
  • Employed for over 3 months in current job
- Express Payment - as quick as 30 minutes ($17.5 fee applies).

Cleared funds are fast transferred into your bank account within 30 minutes following our final approval of your loan.*


*Applies only to following banks: ASB, ANZ, BNZ, HSBC, Kiwibank, National and Westpac.
Sorry at this stage we cannot express pay to PSIS branches of the BNZ or Credit Union branches of Westpac.
All required documents (including where applicable a signed loan agreement and direct debit form) must be received no later than 4.30pm Monday to Friday (excluding public holidays) in which case we will usually have sufficient time to complete our checks, approve your loan and make fast payment to you that day. Otherwise payment will occur the following working day.


Once we have made fast payment to your bank they should promptly credit your bank account (often this happens instantly). However we cannot control how quickly your bank will act on our fast payment instruction. Should you not recieve your fast payment within 90 minutes after we advised you that your loan has been approved and payment has been made, please contact us.

Please note: These 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.