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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 short-term finances under control in just a few easy steps.


How do our bad credit loans work?

  1. Apply online for up to $1,000
  2. Receive an authentication code via TXT
  3. Electronically accept the Loan Contract and Direct Debit form
  4. Provide supporting documents: photo ID, 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 using our same day Express Payment* option.

*small fee and conditions apply – please refer to the loan application form for timing of funds to you and any fees involved.

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);
  • Easy 100% online application form;
  • Super-quick loan decisions: usually around 30 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.

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.