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Unsecured Loans

An unsecured loan means we don’t ask borrowers to provide hard security, such as a house or car in order to get a loan from us.

What we do instead is we check each loan application against our Affordability Index and determine the maximum amount of money we can lend, based on income and a number of other factors.

Even past bad credit may not be an issue (as long as you are not currently Bankrupt, under a Summary Instalment Order or a No Asset Procedure).

Why choose Payday Advance?

Our loans are unsecured: No security required and no need to pawn your possessions to get the money you need. Our service is fast and simple, with no piles of paperwork to send through, judgemental looks or annoying questions to answer. Your personal assets like house or car will not be linked to your loan application with us.

Loan amounts from $100 up to $1,000: As a responsible lender, we never encourage our customers to take out more money than needed. We calculate a loan amount based on a percentage of your income to ensure the affordability of our loans.

Bad credit? We try to let the past be the past. It may be difficult to get a personal loan because of some bad credit history that you may have, but often not with us as we look at your current ability to repay the loan.

We are always here for you: From the moment you see our website for the first time, during the online application, loan processing, loan term, or even if you experience issues repaying the loan, our friendly and supportive customer service, lending and collections teams are here to help and guide you through the process.

Trusted and experienced: Our systems have been helping thousands of Kiwis get through their financial obstacles since 2008. We have already helped thousands of hard working Kiwis just like you get their short-term finances under control.


How does this service work for new customers?

  1. Apply for up to $1,000 online.
  2. Receive a TXT message with a unique authentication code to proceed.
  3. Electronically accept the Loan Agreement and Direct Debit form.
  4. Provide your 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.
  6. The repayment amount(s) will be direct debited on the following pay date(s) – as per your signed Loan Agreement.

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

How can I contact you?
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.