Do you need cash today for an urgent expense or for something that’s very important to you? You’re talking to the right people if you’re looking for a loan to be approved today — with no paperwork and no long wait times.

You can apply for loans for unemployment online at any time from any New Zealand location. You can apply for up to $1000 within minutes.

Here’s how:

  • Click Apply Now to complete your quick online application
  • The loan amount could be available in your account within hours once approved.
Loan only suitable for short-term needs. Not suitable for long-term or regular borrowing.

Note: If you apply outside business hours, processing can take longer and funds will be available generally on the next business day.

Nothing is hidden. Our cost is upfront and easy to understand. Use our calculator to work out what a PPL unsecured loan might cost you.

To complete our simple online application form, click Apply Now. For your enquiries, ring 0483 034 87. We can help you the sooner you contact us.


If you’re not employed and need funds, you may be pondering whether a lender will approve your loan application. Would you be able to get a loan if you’re unemployed?

The answer is affirmative, however you still have to demonstrate that you can make the repayments. This can be done with the help of your Work and Income benefits or other source of income. FYI, only a few lenders will consider you for the loan.

Pretty Penny Loans treat the customers the way they expect to be treated—with respect. With our service, we regard this approach as the most important asset of our company. Part of our integral cog are our consultants who move quickly and responsibly to offer you loan solutions that suits you.

Our experience enables us to give you quick, accurate answers to any of your enquiries and concerns. Our loans for unemployed provide people with the money they need, when they need help urgently.

We usually credit the funds into your bank account within hours or on the next business day at the latest. We will always be honest with you. We will provide you with a loan that we know you can handle and afford.

For our customers who prefer personal contact, you can talk about your concerns with our personnel, who are compassionate and understands your needs. This helps customers build trust and be comfortable when discussing a private and sensitive subject.


To process and approve your loan we need:

Your personal details

A bank statement

With most other companies, gathering this information can be time consuming for you, so we at PPL use safe, secure technology to help you. We’ll access your information only with your permission and with our highest security.

Note: If you have more than one bank account receiving income, you must provide 90 days of statements for each account.

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.


Once we’ve approved your short-term loan contract, we need to make a few checks to verify your details. For new customers, we ask to see your most recent 90-day bank statements.

The easiest way to do this is with Credit Sense, our safe, secure technology which accesses your statements online and only views the information we need. Your banking details are always safe. Normally we can confirm your identity online. Sometimes (rarely) we may need ask you for a copy of your ID, but we’ll always let you know in advance if we need it.

Our aim is to limit the effort for you by doing as much as possible online. When we’ve confirmed your details we’ll contact you to let you know your loan has been approved.

We then transfer the money directly to your account within hours or next business day. You can sign for your loan online without the need to fax documents to us.

When we make our loan offer to you, it’s important to read through the terms of the agreement online. Be sure the terms are as we explained them to you and exactly what you want.

Remember: Our offer to you becomes a binding contract only after we’ve completed all our necessary checks and after we’ve confirmed this with you. Then we send the money to your account.


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.


Repaying your loan is as simple as getting your loan. Because a payday advance is a short-term loan for a smaller amount compared to other loans, you generally repay the loan over a shorter period. Most customers repay their loan over 4-8 weeks.

We 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 payday and on the day. 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.

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

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