Do you need cash today for an urgent expense or for something that’s very important to you? Do you need the loan approved today, with no paperwork? You’re talking to the right people.

You can apply for a same-day cash loan online at any time from any New Zealand location. You can apply for up to $1000 within minutes.

Here’s how:

  • Click Apply to complete your fast online application.
  • Once approved, the loan amount could be available in your account within hours.

Note: All applications received after 8:00pm will have to receive funds the next business day so apply early to get early approval!

Our cost is upfront and easy to understand. Nothing is hidden.

Loan only suitable for short-term needs. Not suitable for long-term or regular borrowing.


Same-day loans in NZ are a fast and simple way of getting credit using a prompt and painless online process or over the phone. Our payday advances are available to all New Zealand residents over 18 years of age, employed or on WINZ benefit with a regular income.

Our same-day loans have a same-day deposit fee of $12, an establishment fee of $64 and charge 1% interest each day on the balance outstanding. For first-time clients, there is also an additional account set-up fee of $24.

We can offer competitive same-day loans because our process is quick and easy and we analyse your bank statement to qualify you. We also pay for the ability to deposit directly into your account within hours.

It starts when you submit your application and ends when your loan is repaid. Your application can take only minutes and we’ll respond in less than an hour. We debit your bank account on a scheduled date so you don’t have to send a payment.

We normally schedule it on a payday to ensure the funds are available. This means you can make repayments in step with your pay cycle. You can plan your budget and stay ahead of your payments. You’ll always know when your next payment is due because we send reminders.

We process same-day loans during business hours on the same day you make the application as long as we receive it before 8:00pm you’ll be able to get the funds on the same day.


Here’s our process:

  • We use simple electronic forms to accelerate the application review.
  • We ask for your personal details, and bank statement to establish your income and average expenses.
  • We assess your loan suitability and whether you will be able to make the loan repayments.
  • We electronically and securely view your bank statements to check your information.
  • Once you’re approved, we’ll let you know promptly that your cash is waiting to be transferred.
  • We have an arrangement that ensures you receive the cash loan on the same day (if application processed before 8:00pm).

If you have regular income and your bank statement shows that you’re careful with your finances, you’ll receive fast approval for a same-day loan. We don’t want to offer you a loan that you can’t afford.

We want to make your life better, not worse. If you can show that you take care with your finances, the quicker we can approve your same-day loan. If things don’t go as planned and you miss a repayment, we may need to charge you a fee.

However, we’re always willing to listen to you. If you contact us early and explain your problems, we often substantially reduce and even waive fees.

Remember: If you think you cannot make a repayment, please contact our support team.


Your personal details and a bank statement. That’s all.

No paperwork is required.


To offer you a same-day service, we provide technology that accelerates the checking of bank statements. This saves you significant time requesting statements from your bank and preparing the paperwork.

Credit Sense, our third party bank statement providers, make use of the latest secure encryption techniques to protect your information.

Loan only suitable for short-term needs. Not suitable for long-term or regular borrowing.


Here are our fees:

  • $24 account set-up fee (first-time clients only)
  • $64 establishment fee
  • 1% interest charged daily on balance outstanding
  • Optional same-day deposit fee $12
  • Change of payment fee $10

If you miss a scheduled payment by direct debit we need to charge you a $13 direct debit dishonour fee, unless you’ve made a prior arrangement with us.

If you contact us to make an alternative arrangement, there is a $10 change of payment fee. If you miss a payment we will try and contact you by phone, text and email.

Note: We don’t charge a default interest rate.

If your account remains in arrears after 60 days, we may refer you to an external debt collect and as a result you may incur additional fees. To complete our simple online application form, click Apply.

If you don’t want to apply online, please call us on 0483 034 87 to speak to one of our friendly staff. The sooner you contact us, the sooner we can help you.


We set things up so you can make repayments in step with your pay cycle (normally 30 days). We’ll match repayments with your capacity to repay. We’ll send you a repayment reminder before and on payday. On payday, we’ll set up direct debits to your account.

If you think you can’t make a repayment on payday, contact our support team. Our job is to help you in advance to make your repayments predictable and painless. And remember, you can apply for another loan as soon as you pay off your current loan.

After we’ve helped you once, applying for another loan is fast and easy because your information is already on file. Just call us. Over time, we’ll learn to trust each other and you’ll build a good credit history. And that means you’ll be able to borrow more money when you need it.