Online Loan

Applying for a small loan online could be a convenient, simple and fast way of getting your finances under control!

Our easy online application process can be completed anytime, from pretty much anywhere – and we don’t ask for unnecessary piles of paperwork to process the loan.

We are in this business to help hard-working Kiwis get through to their next payday, and as a well-established and trusted New Zealand payday lender, our number one priority is to provide a fast, easy, flexible and friendly online service.

Whatever the reason for needing extra money, we may be able to help.

How does the process work?

  1. Apply online.
  2. Receive a TXT message with a unique authentication code.
  3. Electronically accept the Loan Agreement and Direct Debit form.
  4. Provide your supporting documentation: At least the latest 90 days of bank statements, Valid Photo ID, Selfie, recent Proof of Address and statement of accounts for any short-term loan you wish to consolidate. We also have a secure and convenient new system that lets most users upload their bank statements directly from their Internet Banking.
  5. If approved, the money will be deposited into your account overnight.

Why choose Payday Advance?

Borrow as little or as much as you need to create a loan that is tailored to your needs and repayment abilities. Please note, that we will only lend a certain percentage of your regular pay – just one of the ways we ensure the affordability of our service.

Bad credit? We may be able to let the past be the past. It might be difficult to get a personal loan because of some past bad credit history that you may have. Provided you pass all our responsible lending tests we may be able to look past your credit report and provide you a second chance. We mainly look at your current ability to repay the loan.

Human interaction: Although the initial application process is completely online, we have a friendly and experienced New Zealand-based customer service team who are ready to answer any questions or concerns you may have.

Trusted and experienced: Our systems have been helping thousands of Kiwis get through their financial obstacles since 2008. Please check out our customer testimonials to see why so many Kiwis keep choosing Payday Advance as their #1 lender!