Getting your Loan

Do you need a quick, flexible, affordable cash loan for emergency expenses such as car repairs, medical expenses, bills–almost anything?

You’re talking to the right people.

You can apply for a loan online at any time from any New Zealand location.

You can apply for up to $500 within minutes.

Here’s how:

  • Click Apply to complete your simple online application (free).
  • Approval can occur within the hour.
  • Once approved, the loan amount could be available in your account in a matter of hour for all application received before 3.45PM.

Note: If you apply outside business hours processing can take a little longer and you will most likely receive the funds the following business day.

We use a simple process that protects you.

We’ll advise you how to borrow only as much as you can afford to repay.

You pay interest only for the exact time you have the cash. Pay it off fast and save money!

Our contracts are simple to understand.

There are no early payout penalties.

There are no ongoing or hidden fees.

Poor credit? Changed your address recently? Discuss it with us. It might not affect your application.

We don’t try to squeeze you into a box because we think outside the box.

Your loan application is unique and that’s how we treat it. On its merits.

We’ll find a loan that’s perfect for you and suits your budget.

To complete our simple online application form, click Apply.

If you don’t want to apply online, please call our offices on 0800 835 356 to talk privately with someone who understands your needs,

The sooner you contact us, the sooner we can help you.

What we Need

To process and approve your loan we need:

  • Your personal details,
  • A Bank Statement

Tip: Use Credit sense our trusted third party provider to upload your bank statement its secure, quick, and easy.

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.

Repaying your Loan

Repaying your loan is as simple as getting your loan.

If you want, we can set things up so you can make repayments in step with your pay cycle.

We’ll match repayments with your capacity to repay.

We’ll send you a repayment reminder before and on Payday.

If you think you can’t make a repayment, contact our Support Team.

Our job is to help you in advance to make your repayments predictable and painless.

After we’ve helped you once, applying for another loan is fast and easy because your information is already on file. Just call us.

More about Emergency Cash Loans

People use emergency loans because it’s the simplest and fastest way to access funds quickly.

Not many loan options are available in this area because lenders classify certain borrowers as high risk.

We take a different view. We know from experience that if we to understand your situation, we can come up with a plan that will give you the help you need.

If you need quick cash for an emergency, you may be tempted to agree to less than favourable terms.

This often leads to bigger financial problems later.

We will keep you fully informed before you agree to our loan terms.

We will help you to feel confident and certain that our loan will work for you.

Once approved, money is transferred into your bank account and repayments are withdrawn automatically.

Our application procedure is different from procedures normally used by banks and other financial institutions.

Our Emergency Loans do not require a background check. This means that a bad credit history won’t necessarily eliminate you

As well, our small short term loans do not need security,

You will need to repay the loan plus interest as soon as you can as our Emergency loans are a short term solution.

Generally these types of loans have no additional costs or hidden fees as long as you stick to the original contracts or contact us as soon as there might be a problem with repayment.

We’ll guide you through your loan agreement and explain everything thoroughly to you.

The convenience and benefits of an emergency loan override any concern about the interest rate.

Our Emergency Loans are generally available within hours because we don’t require the background check.

Even if your credit history is less than perfect, we can generally still offer you a solution.

To complete our simple online application form, click Apply.

You need to include your address and contact details, and bank account details.

Our consultants will verify the information and confirm your application within an hour.

After approval, the loan amount is transferred into your bank account within hours as long as your application was received before 3.45pm.

No need to spend time at a bank, waiting for a decision, and then find that you’ve been rejected after all your efforts.

How it Works

It couldn’t be simpler.

  • Make a quick and easy online application.
  • Submit your records using our safe, secure technology.
  • Once approved, we send your cash to your nominated bank account.

Fees

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 0800 835 356 to speak to one of our friendly staff.

The sooner you contact us, the sooner we can help you.