Please wait...

Personal Loans

We are offering unsecured personal loans that can be used to finance an unexpected expense – such as car repairs, dental bills or a tenancy bond.

Our responsible and flexible service allows working Kiwis to customise loans to suit their current financial needs and repayment abilities: you get to choose the loan amount and number of repayments (limits apply and depend on pay cycle frequency).

As a leading payday loan company in New Zealand, we have already helped thousands of hard-working Kiwis (just like you!) bridge the gap between pay days.

Do I qualify?

If you meet the following criteria, you will most likely qualify for our personal loan service:

  • You need to be at least 18 years old and a NZ citizen or resident currently living in New Zealand;
  • You need to have been permanently employed with the same employer for at least 3 months;
  • For our ‘Need A Lift’, ‘Going Places’ & ‘Moving Forward*’ loans, you need to be earning at least $350 a week (after tax) excluding government benefits;
  • Your pay needs to be credited on a regular basis into your own NZ bank account that has been open for at least 3 months;
  • You are not currently Bankrupt, under a No Asset Procedure or Summary Instalment Order;
  • You have access to the Internet and a mobile phone.

    Please note this is a guide only – in certain circumstances we may not be able to offer you a loan.*Available solely to our Returning clients, on an invitation-only basis and are still subject to standard eligibility, lending and affordability criteria.


Why choose our small personal loans?

  • Easy online loan application and no need to send through tonnes of paperwork: Latest 90-180 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. It’s even possible to send most/all of that through via your smartphone. So easy!
  • Borrow as little or as much as you need to cover the gap until your next payday.
  • Super-quick loans: we are usually able to process a new loan application within 60 minutes upon receiving all the required documentation (during normal business hours).
  • Competitive interest rates and no hidden fees or charges.


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.