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Loans only suitable for short-term needs. Not suitable for long-term or regular borrowing.
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Welcome to “Peace of Mind”

High Approval Rate!

At Pretty Penny Loans we understand that people face financial challenges, and believe EVERYONE deserves a fair go!

All Applicants Considered! No ridiculous personal questions!

Whether working or on WINZ Benifit all applications will be considered. We believe in treating each person with the trust and respect they deserve. Keep your personal information personal.

EMERGENCY cash when you need it.

Don’t wait for Days or weeks! Once approved you will receive funds within hours! All applications received after 3:45pm funds will be received by the next morning.

Short application process.

Our short online application means you can get back to the things that really matter.

How it Works

Fast Application

Complete our quick and easy online application and send us a bank statement.

Fast Approval

Once approved we will email you your loan contracts. You can accept the contract via email or complete the loan contract over the phone.

Fast Money

Once your application has been approved you will receive funds with in hours or by the next morning at the latest. depending on what time we receive your application.


Who are Pretty Penny Loans and what do they do?

Helping Kiwis all over New Zealand, Pretty Penny Loans are specialists in short term Cash advances up to $1000. Unexpected Bills? Short on cash this month or in need of a short term financial boost? We’re here to help! What separates us from others in our industry is not only our competitive rates but also our quick and easy application process which means we can approve more applicants and get the funds to you on the same day, We always encourage our clients to only borrow when they need to, and to always borrow what they can repay. We will always do our best to help our clients in every situation by considering all applications and giving everyone a fair go. The Pretty Penny Loans motto is to always treat everyone with the same respect and trust, regardless of their personal or other circumstances.


What is the cost of a Pretty Penny Loan?

A Pretty Penny Loan has an establishment fee of $64 which covers the creation and management of your loan and 1% per day interest is charged throughout the life of the loan. First time clients will also have a once off account set up fee of $24. The AIR (Annual Interest rate) is 365% P/A which seems high, however because our loans are a short term solution our customers find our rates quite reasonable, especially when compared to other lenders in our industry.


What are the implications of Non-Payments

Here at Pretty Penny Loans we understand that sometimes unexpected things happen and therefore we do not charge default interest or negatively affect your credit rating. We only charge a default fee of $13.00 and the term of the loan is then extended to accommodate for the extra fee and interest. We may attempt a lessor amount on the subsequent payment to ensure payment clears. It’s always best to contact us prior to a payment failing to change or postpone a payment or at the very least once a payment has failed. Remember are here to help not make things worse so get in touch.

If we are unable to contact you via our collection practices, you may be referred to an external debt collection agency. Additional fees may be applicable once the debt is handed over.


What is Credit Sense?

Credit Sense is a third party provider that supply us with your bank statement using your internet banking so that we can assess your application.


How do I know my Internet Banking will remain secure?

We do not keep your internet banking credentials. Your credentials are encrypted when you enter them, passed to your bank to gain access to your transaction history and then permanently deleted. If you need to resubmit your bank statement using Credit Sense again, you will need to re-enter your internet banking credentials.


Can I renew or refinance a Pretty Penny Loan?

We don’t offer renewal or refinancing options on any of our loan products. If you would like to postpone or change payments we’d be happy to help out.