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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.

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:

  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 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.


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.

More questions?

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.