Fast Cash Loans NZ from a Lender That Treats You Like a Person
A Quick Loans cash loan is applied for 100% online by New Zealand borrowers, from $800 to $150,000, at fixed rates from 9.95% to 26.95% p.a. Approvals come through as fast as 60 minutes during business hours, subject to responsible lending checks and credit checks.
Borrow
$800 to $150,000
100% Online Application
It’s easy. Only 6 mins
Get an answer
Usually within 24 hours
Work Out Your Loan Repayments
Use the loan calculator to see what your weekly or monthly loan repayments could look like before you apply. It’s a guide only. Your actual rate and repayments depend on your situation, and every loan is subject to our responsible lending checks, because a loan that doesn’t fit your budget isn’t a loan worth having.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Your data is secure
Trusted by
Our customer rating
4.6/5
* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Rates
With Quick Loans, our maximum loan term is 36 months, with affordable weekly or monthly loan payments. We offer competitive annual interest rates ranging from 9.95% to 26.95% p.a. depending on the purchase you’re making, your credit rating, and the loan duration. For full details on the loan agreement, including early repayment options, terms and conditions, establishment fees, and default interest rates, please see our Rates and Fees page.
Terms
Before applying with Quick Loans, it’s important to understand our terms and conditions. By submitting an application, you consent to us collecting and securely storing your personal information. We aim to keep all the information on our website accurate and up to date. If you notice anything that doesn’t look quite right, please get in touch with us in writing and we’ll do our best to correct it promptly. All our loans are subject to the New Zealand Responsible Lending Code.
Security
Your personal information is protected with end-to-end encryption across all our web forms, keeping your data safe and secure throughout the application process. We handle all loan details with a high level of confidentiality, following strict security standards to prevent unauthorised access. We also fully comply with New Zealand’s privacy laws, ensuring you have complete transparency over how your data is collected, stored, and used. We don’t share your information with third parties without your consent. To learn more, please read our Privacy Policy, which outlines exactly how we protect and manage your personal information.
When a Cash Loan Makes Sense
The car breaks down and the quote says $1,500 you didn’t plan for. The new rental needs the bond this week. The dentist can’t wait, the school fees are due, or a bill has landed at exactly the wrong time. Life doesn’t check your bank balance first.
That’s what a cash loan is for. Not a big life decision, just a practical fix for a cost that won’t wait. And when the cost won’t wait, neither can you. Booking an appointment at a bank and working through their process can take weeks. Our whole online loan application happens in about 6 minutes, quick and easy, and a real person picks it up from there.
Kiwis use our cash loans online for car repairs, medical and vet bills, bond and moving costs, travel at short notice, and emergency loans when something genuinely can’t wait. If you’re juggling several bills at once, a debt consolidation loan may be the tidier fix, and we offer many other types of loans across NZ too, from car loans to small loans.
What Our Cash Loans Cost
No mystery, no fine-print surprises. Here’s how the numbers work.
Interest Rates
Our interest rates run from 9.95% to 26.95% p.a., fixed for the life of the loan. Where you land in that range depends on things like the security you offer, your credit history and credit score, and the loan term. You’ll see your exact annual interest rate before you sign anything. Full details, including the establishment fee, are on our rates and fees page.
As an illustration only, a $5,000 loan amount over 24 months at 14.95% p.a. works out at about $56 a week, around $5,790 in principal and interest before fees, which takes the total you would repay to roughly $6,170 to $7,030 once our establishment fee ($135 to $995 depending on the loan amount) and $10 monthly administration fee are included. Your own figures depend on your rate, term and fees, and we’ll set them out in plain language before you commit.
Loan Terms
Most of our cash loans run up to 36 months, with a maximum loan term of 48 months in some cases. Repayments are fixed, weekly or monthly to suit your pay cycle. You can pay your loan off early at any time; a full prepayment administration charge applies, set out with all our other charges on the rates and fees page. Making your loan repayments on time also helps protect your credit history for whatever comes next.
Cash Loan or Payday Loan
They’re not the same thing, and the difference matters. A payday loan is a very short-term advance, typically small, expensive, and due back within weeks. A Quick Loans cash loan is a proper personal loan from a registered NZ finance company and responsible lender, with a fixed rate disclosed before you sign, fixed repayments spread over a term you can plan around, and the same CCCFA protections. The same goes for short term loans, compare the total cost and the protections, not just the speed.
Why Kiwis Choose Quick Loans for Cash
Real People Review Your Application
Every application through our loan application process is assessed by a human who looks at your actual situation, your income, your outgoings and what you can comfortably repay. That’s what responsible lending looks like in practice, and it’s why “no judgement” is one of the most repeated phrases in our reviews. We’re here to help, not to lecture.
NZ Owned and Operated for Over a Decade
We’re a Christchurch-based finance company at 3 Shirley Road, Mairehau, offering NZ loans nationwide since well before borrowing online was fashionable. Real office, real phone number, real people on the other end of it.
Your Security and Privacy
Your application data is encrypted in transit and at rest, and your information is only ever used to assess and manage your loan, as set out in our Privacy Policy and terms and conditions. We’re a registered Financial Service Provider (FSP229306) and a member of Financial Services Complaints Limited, an approved financial ombudsman service, so you always have a free, independent avenue if something ever goes wrong.
What Our Customers Say
Rated 4.6 out of 5 stars based on 1815 customer reviews.
How to Apply Online in Three Steps
It’s easy to get a loan for your needs. Follow the loan application process below to apply.
Apply online in about 6 minutes
The loan application form is 100% online, works on your phone, and asks only for what we genuinely need, ID, income details and bank statements.
A real person reviews your loan application
Not just an algorithm. A person assesses your actual circumstances rather than a score alone, within our lending criteria and responsible lending checks and subject to credit checks, and you’ll usually hear back the same business day, often within a couple of hours.
Sign digitally, get funded
Approved? Your documents arrive by email for digital signature, no printing, no branch visit, and the money is typically in your account within 24 hours of approval, subject to your bank’s processing times.
Getting started takes only 6 minutes.
APPLY NOWCash Loan Questions Answered
How fast can I get a cash loan in NZ?
Approvals come through as fast as 60 minutes during business hours, subject to responsible lending checks and credit checks, and once you’re approved and signed, the money is typically in your account within 24 hours, subject to your bank’s processing times. If you need same-day cash, see our same day loans page for how that works.
Do I get the loan in actual cash or into my bank account?
Your loan is deposited straight into your bank account, not handed over as physical cash. That’s quicker, safer, and gives you a clear electronic record of exactly what you received, which is what you’d expect from a trusted lender.
How much can I borrow with a cash loan?
Our loans in New Zealand range from $800 to $150,000. The loan amount you can borrow is sized to what you can comfortably repay, which we work out with you as part of our responsible lending checks.
What interest rate will I pay?
Between 9.95% and 26.95% p.a., fixed. Your exact rate depends on your situation, including the security you offer and the term you choose, and you’ll see it clearly before you sign.
What loan terms are available?
Usually up to 36 months, and up to 48 months in some cases. Repayments are fixed, weekly or monthly, and you can repay early at any time; a full prepayment administration charge applies, see our rates and fees page.
Do I need security for a cash loan?
Yes. Our cash loans are secured, and the security you offer, such as a vehicle, affects the rate you’re offered. Security doesn’t have to mean property. We’ll talk you through what works for your situation before anything is set.
What do I need to apply?
Photo ID, your income details, and your recent bank statements. The online application takes about 6 minutes, and you can submit your bank statements securely as part of it.
What is the Responsible Lending Code and how does it protect me?
It’s the code issued under NZ consumer credit law that responsible lenders follow, and the Code sets out how lenders should go about it. The law requires us to check that a loan is suitable and affordable for you, to explain the costs clearly, and to treat you fairly throughout, including if you strike hardship. It exists so borrowing helps your situation rather than adding to it. You can read more about your rights as a borrower.
Need Cash Sorted Today
Getting a loan sorted shouldn’t be hard work. Apply online in about 6 minutes and a real person will look at your actual situation, no judgement. Every loan is subject to our responsible lending checks. Or call us on 0800 200 275.