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How does Payday Advance work?

At Payday Advance we like to keep things simple. Our payday loan process is fast, flexible and easy to understand. You’re only minutes away from taking control of your situation… GET STARTED NOW!

1. Apply online

To apply for a loan with Payday Advance, simply fill in the online Application Form and read & accept the Loan Contract.

Once you have completed the application, you will receive a copy of the loan contract and your direct debit authority by email.

You must meet the following criteria:

  • Be at least 18 years of age, live in New Zealand and be a New Zealand Resident or Citizen;
  • Receive a fixed wage or salary that is paid into a bank account under your name;
  • Earn at least $350 per week (after tax);
  • Have been working at your current job for the last 3 months;
  • Must not currently be bankrupt, under a Summary Instalment Order or under a No Asset Procedure.

You will also need to have:

  • Access to the Internet; an active email account; and an active mobile phone.
  • Access to a scanner, fax machine or smart phone.

2. Send the documents

Once you have applied for a cash loan, you will need to provide the following supporting documents, so the lending team can begin processing your application;

  • Bank statements going back 3 months from today’s date
  • Proof of address no older than 3 months
  • Proof of ID (NZ driver’s licence or a passport)

You can either scan or take clear photos of the documents with your smartphone and email the documentation to or fax it to (09) 521 1038.

If you’d like to keep an eye on the status of your loan, you can do so by logging into your account that is created during the application process. You can also view your personal details and request to update anything that may be invalid.

All of our loan contracts are valid only for 4 business days. If you applied more than 4 days ago and have decided to wait, you will need to reapply through our Returning Customer section online using your login details you created in the application process. You may need to reset your password if you have forgotten it. Once we have received the documentation that you send through, we will look through it and if there is anything missing, we will contact you to let you know what else we need.

3. Application review

Once we receive your completed application form with supporting documents, we will promptly begin processing your loan.

It is important we get all requested documentation so there is no hold up in processing your loan.

We operate as responsible lenders and it is an important part of our loan process to try to make sure the loan repayments are affordable to you without causing undue hardship.

Once a decision has been made about your application, we will promptly advise you.

4. Receive the money

If your application is approved, the funds will be deposited into your account according to the payment method you selected.

We have two payment options available. Our same day Express Payment* option and our Overnight Payment option – *please click here for more information on these payment options.

5. Repaying the loan

Your quick payday loan will be repaid by direct debit. Our bank direct debits payments overnight on the night as stated on your Loan Agreement. (i.e. if you select the 20th of the month, then we will direct debit overnight on the 20th, not the morning of the 20th. If you want it taken on the morning of the 20th, you will need to select the 19th). We will adjust the repayment dates selected if it does not tie to your pay date.

If for any reason you are not able to make a repayment, we may be able to help but you must contact us before 3pm on the day your payment is due. If you contact us after this time, we cannot guarantee that a repayment can be stopped.

Please note that there are no penalties for repaying early – the shorter the loan term, the less it will cost – so if you are in a position to make an early payment, we encourage you to do so. We are in the business of helping you, not making your short-term financial situation worse!

Payday Advance Returning Customers

Loans for returning customers are even easier and faster! Simply click the Returning Customers tab in the top right corner of the page, and apply for a new loan by logging into your account. You have to complete a short form and accept the contract and that’s it!

In most cases, you do not have to send any documents for us to process your loan application.

We welcome returning customers however please be aware our loans are not designed for long-term use. If you require a longer term financing solution or are in financial hardship then do not apply for a loan with us and seek financial / budgeting advice. However if this does not apply to you, please proceed and we look forward to assisting you.

If you want to apply for a new loan, but you don’t remember your password, you can reset it by entering your email address into the reset password box. You will need the mobile you applied with, to receive our SMS Authorisation Code to reset your password. If your mobile has changed or you are on the Skinny network, or you haven’t received the code after ten minutes, then please call us on 0800 222 577 and we will happily assist in resetting your password.

Do you qualify for a cash loan from Payday Advance?

As a responsible lender, we are committed to adhering to our strict Responsible Lending guidelines when assessing payday loan applications. We complete all of the necessary checks to ensure our borrowers meet our affordability index. You can find more information on our Responsible Lending Policy and the basic criteria here.

How can I contact you?

You can contact us a number of ways – call us on 0800 222 577, email us at or use our live online chat facility in the bottom right hand corner of the screen.