Even with careful planning and budgeting, from time to time we may come across unexpected expenses that seem to appear pretty much out of nowhere – when we can least afford to pay.
Fortunately, there is Payday Advance with our convenient, flexible and transparent credit check loan service designed especially for hard-working New Zealanders.
We don’t usually do credit checks but reserve the right to undertake them as we operate under the responsible lending principles and follow a well proven loan application review process. We strive to offer a loan where we can.
Our loans can come in handy in a number of cases, such as:
- A dental bill
- Car repairs to pass the WOF
- An unexpectedly high power bill
- Emergency travel
- Tenancy bond to secure a rental property
Will I qualify?
It’s pretty easy to pre-qualify for our credit check loan service, even if your past credit history is not perfect:
- 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 – only available to eligible Returning clients;
- 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.
Getting your finances under control can be easy – simply follow 4 simple steps:
- Apply online and electronically accept the Loan Agreement and Direct Debit Form;
- 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 system that lets most users upload their bank statements directly from their Internet Banking. So easy!
- If approved, the money will be deposited into your account overnight or within 30 minutes* if you choose our express payment option.
- 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.
Why choose Payday Advance?
- We try to keep your application private and usually only perform one anonymous call to your employer during the application phase;
- Our new loans range from $100 up to $5,000 for new customers, so you can borrow as little or as much you need;
- Quick loan decisions, usually within 60 minutes once all of your supporting documentation is received;
- Our loans are unsecured: don’t risk your assets such as a car or house;
- We are offering competitive interest rates with no hidden fees or charges;
- Friendly and efficient customer service team with years of experience;
- We are also fully committed to the responsible lending practices.
Please don’t hesitate to contact us at email@example.com, on 0800 227 484 or via our online chat facility in the bottom right corner of the screen for more information.