Instant Loans NZ
Apply Online In Just 6 Minutes
Need cash? Apply online with our ultra fast 6 minute loan application process. Once your loan is approved, funds are typically in your account within 24 hours. Subject to the NZ responsible lending code.
Borrow
$800 to $150,000
100% Online Application
It’s easy. Only 6 mins
Get an answer
Usually within 24 hours
Calculate Your Instant Loan Repayments
Use our instant loan 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 your repayment term. Our fast loans are subject to credit checks & in accordance with the responsible lending code of NZ.
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.
Looking for a same day instant loan lender?
Quick Loans is here to help with our instant loans facility when unexpected bills arise. We provide secured loans to good customers with a proven repayment history. Our customers get quick cash loan agreements and funds deposited into their accounts almost immediately, so apply online today.
Cash advances from our lending team are designed to fill the hole in your pocket without the red tape you might get wheen applying for a loan with a bank. If you’re an existing borrower with a great credit history, we aim to give you an answer quickly, subject to your credit assessment. Once your loan is approved, funds are typically in your account within 24 hours. You can apply for a cash loan of up to $30,000, subject to the responsible lending code and affordability.
We are specialist in our area of finance, and we assess your application as quickly as we can, in order to meet your requirements. We have been helping Kiwis with fast loans in NZ since 2003. For the full range of amounts and terms, see our cash loans page.
Easy online loan application process
With a few simple steps, you can get a fast cash loan today. Firstly, you can complete the online form in just six (6) minutes from our online application form. Following that, you will get contacted by one of our specialised lenders within the hour. Lastly, you can sign the paperwork electronically with our 100% secure, online electronic signature request form, and you are done. Once your loan is approved, funds are typically in your account within 24 hours. All loans are subject to the responsible lending code of New Zealand.
We understand the situation in which a person applies for Instant Loan, and we as a team try to co-operate with you likewise. Whether you need extra cash for bills, medical or dental costs, beneficiary loans or moving house, we understand the urgency of Instant Loans and we work to give you an answer as quickly as we can. May your wallet and account remain hefty, but, if you face any monetary crisis at any point of your life, Quick Loans is there to help you, always!
NZ Customer Reviews
Rated 4.6 out of 5 stars based on 1880 customer reviews.
Fast, Easy Loans For Kiwis
It’s easy to get a loan for your needs. Follow the loan application process below to apply.
STEP 1
Complete our online loan application form in as little as 6 minutes.
STEP 2
Your application will be assessed by a human, not a computer. We aim to come back to you within an hour. We’ll explain the interest rate and repayment schedule, as well as the methods on how you can repay the loan.
STEP 3
Once your loan is approved, funds are typically in your account within 24 hours. Your loan documents are digital and follow NZ responsible lending laws.
Getting started takes only 6 minutes.
APPLY NOWOur most common FAQs on Instant loans
What does Instant mean?
Instant means we’ll process your application on the same day that it’s submitted, assuming it’s Monday to Friday. We aim to give you an answer within 60 minutes, with preliminary approval subject to credit checks. Once your loan is approved, funds are typically in your account within 24 hours.
Is quick finance more expensive than a normal personal loan?
No, not with Quickloans New Zealand. Just because it’s fast, it doesn’t change the interest rates.
How does the loan application process work for instant loans online?
To get a loan, the loan application process for instant loans online is designed to be straightforward and user-friendly. First, applicants fill out an online application, providing essential information such as their income, employment details, and the desired loan amount. Our lenders perform a credit check to assess the applicant’s credit history. Once the application is submitted, our lenders review the information and can approve the loan in a matter of minutes. If approved, the funds are typically transferred quickly, ensuring borrowers can access the quick cash they need.
What types of instant loans are available in NZ from Quickloans?
People looking for instant loans usually mean cash loans, payday loans or personal loans. Every Quick Loans cash loan and personal loan is secured against an asset such as a vehicle. Payday loans, on the other hand, are short-term loans meant to cover immediate expenses until the borrower’s next payday. Quick Loans is not a payday lender and does not offer payday loans. Interest rates and loan terms differ by loan type and lender, so it’s essential for borrowers to compare options to find the best fit for their financial situation.
What factors affect the interest rate of an instant loan?
The interest rate of cash loans in NZ – lending conditions can be influenced by several factors, including the borrower’s credit score, the loan amount, and the loan term. Our lenders assess the risk associated with lending to an individual and a higher credit score. You can check our standard rates and fees here.
Is quick finance more expensive than a normal personal loan?
No, not with Quick Loans New Zealand. Just because it’s fast, it’s not a loan that’s been hiked in fees. A fast answer doesn’t change the interest rates or loan offers.
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 online today.
Click here to start the process