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 as a responsible lender and follow a well proven loan application review process. We strive to offer a loan where we can.
Our loans of up to $1,000 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 of age, currently 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;
- You need to have been working at your current job for the last 3 months;
- You must not currently be Bankrupt, under a Summary Instalment Order or under a No Asset Procedure.
Getting your finances under control can be easy – simply follow 4 simple steps:
- Apply for up to $1,000 online and electronically accept the Loan Agreement and Direct Debit Form;
- Send us your supporting documents: photo ID, 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!
- 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.
- 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.
Why choose Payday Advance?
- We try to keep your application private and only perform one anonymous call to your employer during the application phase;
- Our new loans range from $100 up to $1,000, so you can borrow as little or as much you need;
- Quick loan decisions, usually between 30-60 minutes once all of your 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 222 577 or via our online chat facility in the bottom right corner of the screen for more information.