Credit Check Loan

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.

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?

You could pre-qualify for our credit check loan service, even if your past credit history is not perfect provided all responsible lending checks have been met.

  • 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;
  • You need to be earning at least $500 a week (after tax);
  • 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:

  1. Apply online and electronically accept the Loan Agreement and Direct Debit Form;
  2. Send us your supporting documents: At least the latest 90 days of bank statements, Valid Photo ID, Selfie, recent Proof of Address and statement of accounts for any short-term loan you wish to consolidate. 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.
  4. Repay your loan by direct debit on your next payday(s) – as per the Loan Agreement.


Why choose Payday Advance?

  • Our new loans range from $500 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.