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Cash loan

Cash loans from a trusted online lender

If you need to borrow up to $10,000* before your next payday, talk to Payday Advance to see how we can help you get your troublesome finances under control in no time.

‘Need A Lift’ from $100 – $1,000.
‘Going Places’ from $1,000 – $3,000.
‘In Motion’ from $3,000 – $5,000.
‘Moving Forward’ from $5,000 – $10,000*.

We are fully registered, compliant with all the laws and follow a strict responsible lending policy. We are offering an alternative solution, when you can’t borrow from anyone else and you need the money immediately.

An appropriately used emergency cash loan can undoubtedly be a convenient and fast way of fixing a mid-monthly or mid-weekly financial crisis caused by an unexpected expense.


Do I qualify?

If you fit the criteria below, you have a good chance of getting approved and receiving the money you need today:

  • 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;
  • 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.

*Available solely to our Returning clients, on an invitation-only basis and are still subject to standard eligibility, lending and affordability criteria.


Getting your finances under control can be easy, simply follow the 4 simple steps:

  1. Apply online and electronically accept the Loan Agreement and Direct Debit Form;
  2. Send us your supporting documents: photo ID, selfie, latest 90-180 days of bank statements and recent proof of address.
    We also have a secure and convenient new system that lets most users upload their bank statements directly from their Internet Banking. So easy!
  3. If approved, the money will be deposited into your account overnight or within 30 minutes** if you choose our express payment option.
  4. Repay your loan by direct debit on your next payday(s) – as per the Loan Agreement.

**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.

I’m ready!

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.