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Cash loan

Cash loans from a trusted online lender

If you need to borrow up to $1,000 before your next payday, talk to Payday Advance to see how we can help you get your short-term finances under control in no time.

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?

Although our approval rate (on completed applications) is high, we have a strict responsible lending policy. Don’t worry though, if you fit the criteria below, you have a good chance of getting approved and receiving the money you need today:

  • Be at least 18 years of age, live in New Zealand and be a New Zealand Resident or Citizen;
  • Receive a fixed wage or salary that is paid in to your own NZ bank account;
  • Earn at least $350 per week (after tax) including any benefits;
  • Have been working at your current job for the last 3 months;
  • Must not currently be bankrupt, under a Summary Instalment Order or under a No Asset Procedure.

I’m ready!

If you fit the criteria above and are ready to apply online, then just follow our easy online application process. If you find yourself still having questions about our service, give us a call on our toll-free number 0800 222 577 and our customer service team will be happy to answer any of your questions or concerns.


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

  1. Apply for up to $1,000 online and electronically accept the Loan Agreement and Direct Debit Form;
  2. Send us your supporting documents: photo ID, 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. Our friendly lending officers will do some necessary checks, and if approved, the money will be deposited into your account overnight or using our same day Express Payment* option.
  4. Repay your loan by direct debit on your next payday(s) – as per the Loan Agreement.

*small fee and conditions apply – please refer to the loan application form for timing of funds to you and any fees involved.