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Helping clients all over New Zealand, PPL (aka Pretty Penny Loans) is a specialist 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 the industry is not only our competitive rates, but our quick and easy application process, which means we can 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 need and 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 PPL motto is to always treat everyone with the same respect and trust, regardless of their personal or other circumstances.

PPL runs a 24/7 online operations! Apply anytime, even on weekends and get a response! If you wish to call our office, our phone lines are open Monday to Sunday between 9.00am and 5.00pm NZST and between 10.00am and 6.00pm during the daylight savings period (NZST+1).

Please note that Public Holidays may affect the phone lines opening times.

Our contact numbers are as follows:

Phone – 0483 034 87
SMS – 8167
Fax – 03 354 8483
Email –
Website –
Facebook –


We are also contactable via SMS to the above mobile number, and have multiple emails that our staff can provide you with. With PPL’s 24/7 online operation, get a response anytime, anywhere. Also check out our intractable Contact Us page.


You can apply for a PPL short-term loan for the first time via our quick online application or by calling us. Our staff will be happy to assist you.

To qualify for a payday loan with PPL we require a bank statement, you must be over 18 years of age, a permanent New Zealand resident, and most importantly, demonstrate a regular income and that you are able to afford to repay the loan and loan costs. PPL is a responsible lender and may ask you for personal identification to ensure that you qualify. This may include a passport number, drivers licence, proof of age card, birth certificate, etc.


Note: Bank accounts must be in your name and cannot be for online savings accounts or online-only accounts.

Our quick and easy application means it only takes a few minutes to apply so you can get back to the things that really matter. Once we receive your application, we will let you know whether you have been approved within hours. All applications received and approved before 8:00pm (NZST) will receive funds the same day! The same applies for applications over the phone.

PPL can generally not offer loan assistance to clients while a credit contract is current. However, we will always try our best to help our clients. So long as we can keep the additional advance within your credit limit and within the maximum terms of our loan, our management team will review the file and do our best to assist you.

PPL offers payday advances up to $1000. We create a credit limit depending on your circumstances and income, which is calculated based on your current financial situation and as an existing client, your ability to repay. Generally, we find our clients credit limit can increase up to 4 times. Remember, we are always here to help and will review and consider all applications made.


Unlike other lenders, we don’t have a maximum term as we try to tailor a loan to suit your circumstances. In general, our loans will have a term between 4-8 weeks. Always remember that PPL is designed as a short-term solution. You should only ever borrow as little as you need and look to pay it back as quickly as you can.

A PPL 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 an account set up fee of $24. The AIR (Annual Interest Rate) equates to 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. The easiest way to see how much a PPL loan might cost you is to check out our calculator.


If a payment is unsuccessful you will be charged a $13 default fee. If your payment has failed, or if you think it may have failed, it is very important you contact PPL to prevent dishonour fees. PPL understands that unforeseen circumstances can occur. We are happy to help, but we can’t help you if we don’t hear from you.

If you are approved, the funds will be transferred to your account using our direct transfer facility on the same day giving you access to funds within hours. All applications received after 8:00pm (NZST) will receive funds the next morning. This may be quicker or slower depending on your financial institution.

PPL will attempt to take the funds on the day of your payment via direct debt. It then takes two working days for funds to clear.

Every time you borrow with PPL, we will send you an email with your repayment dates. PPL will also send a SMS reminder two working days before your loan repayment is due and the day of your payment. These reminders are an extra service PPL provides free of charge. While we will always strive to remind our clients about their payments via this extra service, it is still the client’s responsibility to remember when their loan repayments are as per their credit contract.

Yes. There is an additional fee for this, however it is a lot less then if the payment fails. A change of payment will not affect your credit limit.


PPL can only change or postpone a payment if we receive notice the working day before a payment is due, within office hours. PPL cannot stop a payment the day it is due, as the payments are sent to the banks for processing by our third party direct debit user early on the day of the payment. Once the payments are sent to the banks for processing there is nothing PPL or our third party direct debit user can do to stop the payments.

PPL prefers to take all payments via direct debit or electronic funds transfer (EFT). Due to company policy, direct debits cannot be turned off or stopped permanently.


You can reapply the same way you did the first time or through our existing client portal using the username and password you created the first time you applied.

Once your first payment advance is repaid and funds have cleared. The process is much quicker as we simply need you to confirm your personal details and that your income hasn’t changed. We may request further information and another bank statement if we deem it necessary.

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

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.

It is very important that we have the most up-to-date contact information for our clients. To change your contact information you can do so through the client portal or let us know by phone, via our website, through an email or by sending us an SMS.

With PPL’s online platform, applying for cash when you need it cost has never been easier! Apply for a PPL loan all through the weekend with our Weekend Cash Loans. This also includes all Public Holidays!

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