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NZ Payday Loans

Our payday loan service is an option for an unexpected expense that you may not have budgeted for and needs paying quickly.

If you can’t borrow money from family or close friends, you might feel like you are running out of options, but here at Payday Advance, we help you with every step of the way to ensure that you no longer feel stressed about your current financial situation.

Our service could be a convenient and fast way to get yourself out of a cash jam and get your finances under control in just a few easy steps.


How do our bad credit loans work?

  1. Apply online.
  2. Receive an authentication code via TXT
  3. Electronically accept the Loan Contract and Direct Debit form
  4. Provide supporting documents: photo ID, selfie,  latest 90-180 days of bank statements and recent proof of address – You may even be eligible to use our secure online facility which can retrieve your bank statements directly from your Internet Banking.
  5. If approved, the money will be deposited into your account overnight or within 30 minutes* if you choose our express payment option.

*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 our NZ payday loan service?

  • It’s flexible! You get to choose the loan amount and number of repayments to suit your current needs and repayment ability (limits apply and depend on pay cycle frequency);
  • Easy 100% online application form;
  • Super-quick loan decisions: usually within 60 minutes once all documentation is received;
  • Our friendly and fast NZ-based customer service team are available via online chat, email, fax, social media and phone from 8.30am until 5.30pm Monday to Friday;
  • We are also fully committed to responsible lending practices.

How can I contact you?

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.