100% Kiwi Owned And Operated

Why thousands of kiwis choose us

Simple, fast, stress-free way to borrow.
Apply online, get a quick decision and once approved, receive your money in 60 minutes*

Step 1

Easy Online Application
Simply fill out the online form. It only takes a few minutes. No paperwork or meetings in person. 100% online.

Step 2

Fast Approval
Once approved, we’ll email you the loan agreement. You can review and e-sign online.

Step 3

Cash In Your Account
Once You’ve e-signed your loan offer. We’ll carry out a few final checks. Once approved, we’ll send your cash within 60 minutes.*

* Applications received after 5.00 pm will receive money by the next morning

What Would You Like To Apply For?

Types of Same Day Loans NZ

personal loans

Personal Loans
Personal loans usually come with a fixed interest rate and end date. The monthly repayments are set, and you can borrow money as soon as your loan application is approved. But there are specific lending criteria to be met.

payday loans nz

Payday Loans
Do you need an emergency cash loan but can’t wait for your next payday? Take out a payday loan. Here we will guide you on how a payday loan works, the risks involved, and in which situations it can benefit you.

bad credit loans

Bad Credit Loans
Are you suffering from a bad credit score? Want to get a cash injection? Take out a personal loan in New Zealand. Here’s a complete guide on how you can apply and what these loans encompass, so you can make the best decision while choosing a bad credit loan.

beneficiary loans

Beneficiary Loans
Are you a beneficiary and unable to get your loan approved by a bank? Fear not, for our evaluation will assist you in finding a suitable way to get a loan early and according to your financial situation.

instant loans

Instant Loans
Are you unable to get your instant loan approved in New Zealand? Worry not. We have explained here the whys and wherefores of an instant loan for your convenience.

no credit check loans

No Credit Check Loans
Are you suffering from a bad credit score? Want to get a cash injection? Take out a personal loan in New Zealand. Here’s a complete guide on how you can apply and what these loans encompass, so you can make the best decision while choosing a bad credit loan.

Same Day loans: A complete guide

Are you looking for an affordable and reliable same day loan to help make ends meet in New Zealand? With the ever-growing cost of living, more and more citizens are struggling to manage their finances. Though personal loans have been around for awhile, they can take time to obtain – especially if you have bad credit or a low income. Fear not! Same day loans offer New Zealanders with the opportunity to receive fast financial relief – without requiring strict criteria or arduous application processes. Here, we’ll discuss what a same day loan is and why borrowers need one!

same day loan

A same day loan is a form of short-term borrowing offered in New Zealand. They are designed to help borrowers cover emergency expenses or urgent financial needs between paydays.

With this type of loan, you can apply for funds and receive the money on the same day – usually within 24 hours or less. Unlike traditional personal loans, these fast loans do not require lengthy applications or strict credit checks.

Instead, the main criteria for approval is that you are currently employed, aged 18 years and over, and a resident in New Zealand.

same day loans online

There are a variety of advantages to taking out a same day loan in New Zealand.

Fast and easy access to emergency funds:

First and foremost, these types of loans can provide financial relief quickly when faced with an unexpected expense. Whether you need funds to pay bills, automobile repairs, or even a planned holiday, the fast application process and expedited disbursement times of same day loans make them a great option for accessing much-needed funds quickly.

High approval rates:

A major benefit of same day loans is the high acceptance rate that comes with them. As long as borrowers meet the necessary eligibility criteria, they can often be approved within a few hours, meaning they won’t have to wait too long before being able to access the funds they need.

Lower interest rates:

Another advantage of same day loans is that they often come with lower annual interest rates compared to other types of borrowing options.

This helps borrowers to keep their monthly repayments low, as well as increase the chances of being able to pay off the loan sooner and reduce long-term interest costs.

Flexibility in repayment terms:

Finally, same day loans are highly flexible when it comes to repayment terms. Many lenders offer a variety of options for repaying the loan, including more convenient methods such as setting up automatic payments or making repayments directly from your bank account. This makes it easier for borrowers to budget and manage their loan repayment schedule.

Overall, taking out a same day loan in New Zealand can be a great way to access much-needed funds quickly, with high approval rates, flexible repayment terms and lower interest rates making it even more attractive for borrowers. So if you ever find yourself in need of some extra fast cash, this type of instant finance could be a great option to consider.

The process for obtaining a same day loan is straightforward:

1. Apply online:

First, you will need to fill out a simple online application form. It should only take a few minutes and requires basic information such as your name, address, bank statement, credit score, job details and income.

2. Receive approval:

Once approved (which usually happens within the hour) you will be contacted by one of our loan representatives who can provide more information about your loan and repayment terms.

3. Get the funds on the same day:

Once you accept the offer, you will receive your loan funds on the same day – often within just a few hours.

4. Repayment:

You can repay your loan in flexible weekly or fortnightly installments over a period of 3 to 6 months. The maximum loan term varies according to the different lenders,

apply same day loan

Although same day loans offer many benefits, you should consider the following factors before applying:

1.Interest Rates & Fees:

Same day loans come with a high annual interest rate compared to traditional personal loans. Moreover, you need to check if there are any early repayment fees with such loans. So it’s important that you read the terms and conditions of these cash loans carefully before signing a contract.

2.Repayment Schedule:

Most same day loans come with a short loan repayments period of two weeks or less. This means you’ll be required to pay back the cash loan and any associated fees in one lump sum on the due date – unless you can come to an alternative arrangement with your lender.

3.Payment Options:

Some lenders may offer different payment options for these high-cost loans, such as interest-only payments or flexible loan repayments schedules.

If you think you’ll need additional time to pay back your loan, make sure to explore these options before signing a contract.

4.Financial Impact:

It’s important to remember that taking out a loan from a registered financial service provider will have an impact on your finances.

If you can’t keep up with the repayments, you may be subject to additional fees and penalties – so only apply for a loan that you can comfortably afford to pay back. You can read more information in the responsible lending code of New Zealand.

At our loan agency, we strive to provide honest, fast and reliable services for same day loans in New Zealand. We offer competitive interest rates and flexible repayment plans – both of which are designed to help you manage your financial needs without any stress or worry. Our team will work with you to ensure that all of your questions are answered and that the loan process is as smooth and easy as possible. Plus, we offer quick approval times for secured and unsecured loans- so you can receive the money in your account as soon as possible! Get in touch with us today to learn more about how we can help!

What are the terms and conditions for same day loans?

The terms and conditions of a same day loan will vary depending on the lender. Commonly, these short-term loans require repayment between 14 to 30 days, with a fixed interest rate depending on your credit score. Late or missed payments can incur additional charges, so always make sure you know the full terms and conditions of your loan before signing.

Can I use a same day loan to cover long-term expenses?

No. Same day loans are designed for short-term use only and should not be used to cover recurring or long-term expenses. If you’re looking for longer-term financial solutions, it’s wise to research other forms of credit such as a personal loan, home loan or business loan.

Do I need to provide collateral with a same day loan?

No. Unlike some traditional loans, most short-term loans do not require any form of security or collateral. Most lenders will rely on your income and payment history as proof that you will be able to repay the loan.

Apply same day loans Now & Get Paid Today.

2 mins application, 1 hour approval, same day payment*