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Mid-term loan

If you are looking to consolidate your debt or finance a large purchase, a mid-term cash loan could be the right solution to meet your financial goals.

We could provide you fast cash loans, from $1,000 to $3,000, for 3 to 12 months. Our online loans could be applied from anywhere in New Zealand. To get started complete our simple online application and send us your supporting documents. If your loan application is approved, we will transfer the funds directly in to your NZ bank account as an overnight deposit.

Unsecured cash loans

We are registered NZ lender providing easy and fast unsecured cash loans to working New Zealanders. Unlike banks and most traditional lenders, we provide unsecured loans so that you could get a loan with us without collateral. You could apply for an unsecured cash loan if you are falling short on money for making a major purchase, unpaid medical bills or covering a small home improvement project.

Many New Zealanders find it difficult to get an unsecured cash loan due to their past credit issues. At Payday Advance, we won’t simply decline you for your past as we look mainly at your current ability to repay the cash loan. If you meet our eligibility criteria, then you may have a good chance of being approved.

We are always here for you

  • With our flexible repayment options you could choose the number of repayments depending on your repayment ability (limits apply and depend on pay cycle frequency).
  • We have a simple online application process.
  • We make fast loan decisions, usually within 60 minutes once all documentation is received.
  • If your loan application is approved, you would receive the payment fast – directly in to your NZ bank account!
  • We have a friendly NZ-based customer service team you could contact via online chat, email, fax, and phone from 8.30am until 5.30pm Monday to Friday.
  • Trusted, reliable and fully committed to responsible lending practices.

We encourage you to borrow what you need and use our loans responsibly to solve your current financial trouble.