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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 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:

  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 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.


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.

More questions?

Please don’t hesitate to contact us at, on 0800 222 577 or via our online chat facility in the bottom right corner of the screen for more information.