Beneficiary Loans NZ – Get up to $4000



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Beneficiary Loans Repayments

Use our beneficiary finance calculator & determine the repayments you can afford & how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, & we then spread the rest across 48 months. Our fast loans are subject to credit checks & in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

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* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Loans for beneficiaries of up to $4000.

Our loans for beneficiaries have been designed to help when the banks turn a cold shoulder. If you’re on the benefit, loans from banks can be almost impossible to obtain. The time, effort, and stress involved with questions and applications can be absolutely draining and, more often than not, without a good result. Yet the alternative, applying for a benefit loan from a high-interest lender, can be even worse. We know there’s a better way.

Beneficiary Loans NZ

In New Zealand, many banks and lenders will not lend loans to beneficiaries, and if they do offer beneficiary loans, it often comes with very high interest rates.

If you’re on superannuation, benefit loans for home repairs or car purchases can be difficult to achieve. Similarly, you might need a benefit loan for a car or holiday, only to find yourself having to jump through hoops trying to attain one.

Quick Loans provides fast,easy online loans that are carefully vetted and often approved on the same day, subject to the New Zealand responsible lending code and affordability. Loans for beneficiaries can be applied for with minimal fuss, maximum speed and ongoing peace of mind. We work with our clients to ensure they are within their budget and can repay the loan within a realistic and appropriate timeframe.

At Quick Loans, we provide secured loans to beneficiaries from $1,000 upwards.

  • Interest rates from 9.95%
  • No early settlement fee
  • Minimum 6-month term
  • 100% online application
  • Fast response confirmation
  • Flexible lending criteria

Our Benefit Loans Approach

When applying for our Benefit Loans, our finance application process has been developed to be as efficient and easy as possible. Our reputation for responsible lending, effective, and professional service has become well known in New Zealand over the years.

New Zealand is a small country where word-of-mouth travels fast. Read our Google reviews and you’ll see our word-of-mouth is always positive, and it ensures we get referrals and repeat business.

Try not to get into debt, but if you really need a helping hand, we’re here.

With our benefit loans, we don’t charge exorbitant interest rates, and why we don’t lend to those who can’t afford to repay the loan. Instead, we work with a realistic, appropriate approach to ensure our beneficiary loans are repayable easily, without compromising your lifestyle and, most importantly, your essentials.

We believe that if you have the ability to repay your finance agreement, your employment status shouldn’t prevent you from accessing financial assistance to achieve your goals. Nor should this situation mean you could only achieve these goals at the mercy of high-interest rates.

Your Privacy & Information

To correctly assess your eligibility criteria for beneficiary loans, we will need to access your financial information. You have these responsibilities to ensure our lending process can run quickly and smoothly:

  • You must have a reasonable credit history. Yes, the odd difficulty in the past might pop up, and that’s OK – everyone can go through tough times. We just need to know you can and will pay back your loan.
  • You must not have any current payday loans.
  • You must provide bank statements showing an acceptable level of financial stability
  • You must have a current driver’s licence or passport for identification purposes.

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Fast, Easy Loans For Kiwis

Applying for your new loan is easy. Get access to your digital loan documents with privacy.



Complete our quick and simple loans online application form in only 7 minutes.



Your application is assessed by human – not a computer who’ll call you back within 60 minutes.



If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.


Here are our beneficiary loan FAQs

What are benefit loans?

Quite simply, a benefit loan is much the same as any other loan. These loans are available to anyone who is receiving a benefit from the government, for example, Jobseeker Support, Sole Parent Support, Working for Families, or NZ Superannuation.

How much can I borrow on a beneficiary loan?

Generally, beneficiary loans range from $1,000 to $2,000. For larger amounts, some lenders will set up personal loans. These loans will often be secured against the borrower’s assets and paid back over a longer period of time.

How long will the application process take?

The Quick Loans online application process takes our clients anywhere between 5 to 45 minutes to complete. Depending on the type of loan being applied for loan approval can vary from one hour to 24 hours.

Are loans for beneficiaries possible if I have bad credit?

That all depends on your current financial situation. If you have a bad credit history, there’s still a good chance we can approve your loan provided we have a clear understanding of your current financial situation and are confident you can meet all the scheduled repayments and pay the loan back.

Will you loan to anyone on a benefit?

No, we certainly don’t. Our comprehensive beneficiary loan application process ensures only those who can realistically pay back the loan without negative effects on their lives. We are not interested in providing cash loans to those who are vulnerable or are in hardship or in need of guidance to escape financial issues. Our work is focused on making people’s lives better with easily accessible, fast approval loans. If a loan will not achieve this, we won’t approve it.

I have a few payment defaults in the past. Can I still get a loan?

Provided these defaults are isolated incidents and not a pattern of ongoing debt we can process your online loan application as per normal.

What do you check to see if I can get a beneficiary loan?

If you’re applying for an online loan, we only need to ensure you can pay back the loan in the agreed time. To do so, we will check your credit history and assess your recent bank statements to ensure your financial situation provides enough stability.

How does being on a benefit affect my credit rating?

Yes, applying for a loan can affect your credit rating. But this does not mean you cannot apply (and receive) a fast loan. Benefits generally provide consistent, sustained weekly, or monthly payments. With this income, we can work together to plan a successful repayment approach.

Easy, Fast Loans With Our ‘Digital Signature’ Service


You’re busy. We get that. That’s why you can sign for, and receive your funds without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today!

Click here to start the process