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Online Loan

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

‘Need A Lift’ from $100 – $1,000.
‘Going Places’ from $1,000 – $3,000.
‘In Motion’ from $3,000 – $5,000.
‘Moving Forward’ from $5,000 – $10,000*.

Our easy online application process can be completed anytime, from pretty much anywhere – and we don’t ask for 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.

*Available solely to our Returning clients, on an invitation-only basis and are still subject to standard eligibility, lending and affordability criteria.


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: latest 90-180 days of bank statements, photo ID, selfie and recent proof of address – you may even be eligible to use our new secure online system for uploading your bank statements directly from your Internet Banking. So easy!
  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 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, but often not with us as 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!

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.