WHAT WE NEED
Your personal details and a bank statement. That’s all.
No paperwork is required.
Same-day loans are a fast and simple way of getting credit using a prompt and painless online process or over the phone. Our loans are available to all New Zealand residents over 18 years of age, employed or on WINZ benefit with a regular income.
Our same-day loans have a same-day deposit fee of $12, an establishment fee of $64 and charge 1% interest each day on the balance outstanding. For first-time clients, there is also an additional account set-up fee of $24.
We can offer competitive same-day loans because our process is quick and easy and we analyse your bank statement to qualify you. We also pay for the ability to deposit directly into your account within hours.
It starts when you submit your application and ends when your loan is repaid. Your application can take only minutes and we’ll respond in less than an hour. We debit your bank account on a scheduled date so you don’t have to send a payment.
We normally schedule it on a payday to ensure the funds are available. This means you can make repayments in step with your pay cycle. You can plan your budget and stay ahead of your payments. You’ll always know when your next payment is due because we send reminders.
We process same-day loans during business hours on the same day you make the application as long as we receive it before 8:00pm you’ll be able to get the funds on the same day.
To offer you a same-day service, we provide technology that accelerates the checking of bank statements. This saves you significant time requesting statements from your bank and preparing the paperwork.
Credit Sense, our third party bank statement providers, make use of the latest secure encryption techniques to protect your information.
Loan only suitable for short-term needs. Not suitable for long-term or regular borrowing.
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. The sooner you contact us, the sooner we can help you.