Getting your Loan

Do you need a cash loan approved fast?

You’re talking to the right people.

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

We have many loan options available and we’ll work out a repayment plan that fits your budget.

We have no hidden fees and you can pay out your loan early without penalty.

You can apply for up to $500 within minutes.

Here’s how:

  1. Click Apply to complete your simple online application.
  2. Once approved, the loan amount could be available in your account within one hour.

Note: If you apply outside business hours processing can take longer.

We use a simple process that protects you.

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

Our costs are upfront and easy to understand.

Our fees are reasonable and clearly displayed.

To complete our simple online application form, click Apply.

To talk privately with someone who understands your needs, ring 0800 835 356

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
  • And a Bank Statement

With most other companies gathering this information can be time consuming for you so we at Pretty Penny 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.

Repaying your Loan

Repaying your loan is as simple as getting your loan.

We set things up so you can make repayments in step with your pay cycle.

Repay either weekly or Fortnightly.depending on your income.

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 re apply online.

To complete our simple online application form, click Apply.

If you don’t want to apply online, please call us on.

To talk privately with someone who understands your needs, ring 0800 835 356

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

More about Quick Loans & Fast Cash Loans

These are cash loans approved fast.

We will return your loan application within the hour so you know where you stand.

If we approve your loan, you’ll know within one hour.

Once approved you have the funds within hour as long as your loan has been finalised before 3.45pm.

Our customers tell us they consider our costs to be fair.

You might take care with your finances but sometimes you may need urgent financial help.

That’s why we’re here.

We offer fast cash loans for unplanned expenses that suddenly become urgent.

Many of our customers ask for our help with expenses like these:

  • Medical bills
  • Car repairs
  • Home repairs
  • Relocating
  • Helping out family or friends.

Other customers ask for our help to pay for important purchases that need immediate payment to take advantage of a discount or special price.

Because we can return our loan approval in less than an hour, our Fast Cash Loan is ideal in these circumstances.

How it Works

You tell us how much you want to borrow.

We know you need the cash quickly and without the dramas of borrowing cash from just anyone.

To make it easy for you, we’ve simplified and accelerated our application process.

This means you can complete an application in minutes.

Our online process is quick and easy and delivers a fast decision.

You don’t have to wait on hold, or in a queue.

We do the paperwork for you. No need to pay for scanning, photocopying or faxing.

Our online application technology works for you.

Once your loan is approved, our consultants will deposit the cash directly into your nominated bank account.

How much can you borrow?

This depends on:

  • Your requirements
  • Your income
  • Your expenses
  • Your financial commitments and financial situation
  • Your suitability for the loan.

We offer:

  • Cash loans from $50 to $500.

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.