Advance loans

 Repayment amounts are indicative only, do not include our optional repayment waiver fee and will be finalised during your application process. Instalment frequency is determined by your pay cycle. Fees, interest and terms and conditions apply to our loans — refer to our cost of borrowing section for more details.

If you need quick cash Payday Loans that are fast and flexible – then you’re in the right place! Payday Advance has helped thousands of people across New Zealand with an unsecured personal loan to see them through to their next pay day. A loan from Payday Advance is quick and easy and it puts you back in control of your situation.

You decide the Payday Advance that’s best for you

If all you need is a few hundred dollars to carry you through to payday, then talk to us today. At Payday Advance, you could borrow up to $10,000 on the same day. With flexible repayment terms, you can control the loan to best suit your requirements (limits apply).

Don’t worry if you have past bad credit history – you may still qualify for a loan. We mainly look at your current ability to repay, not just old credit issues.

Take control and apply now – it’s quick and easy

Our online cash application process is simple and intuitive – and normally only takes a few minutes to complete.

Once your application is complete, we do a few final checks to ensure the affordability and suitability of our service for you. If your application is approved, the money can be transferred into your bank account overnight on the same day of approval.


Maximum Annual Percentage Interest Rate Our maximum annual percentage interest rate is 174.5% per annum or approximately 0.47% per day. An Establishment fee of $50 and a monthly Administration fee of $5 applies. IMPLICATIONS OF NON PAYMENT: To avoid additional costs please repay your loan according to agreed terms, however where a non-payment (or other default) occurs the following applies; Fees: A fee of $25 applies to each missed or failed payment. A fee of $7 applies for each reminder letter.

Default Interest: Default interest applies to any overdue amount at 25% per annum.Other Costs: Any additional charges or costs are set out on our Cost of Borrowing section. Collection Practices: We undertake collection of our loans in accordance with legal requirements and industry standards and will promptly contact you should you miss a payment date. Credit Score Implications: A repaid loan should positively influence your credit score. However a missed payment, failed payment or unpaid loan is likely to negatively impact your credit score.