Interest Free Loans
Borrow up to $2,500 with 8 weeks interest free. No catches, no hidden fees, and no stress. Our 6 minute online loan application and same day approval process means you can have money in your bank account within 24 hours. It’s the easiest, fastest and fairest way to get the cash you need when you need it.
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4.5 rating with 1,216 Google reviews
Borrow
$1,000 – $150,000
100% Online Application
It’s easy. Only 6 mins
Get Approved
In just 60 mins*
Why Choose Our 0% Interest Loans?
Whether it’s unexpected bills, car repairs, or managing short term debt, our interest-free loans help New Zealanders manage their money sensibly. Our no interest loans are designed to make short-term borrowing simple, fair and affordable. Borrow up to $2500. 0% interest for 8 weeks. Fast online approval. No hidden rates and fees. Cash paid directly into your bank account. Simple repayment plan and clear terms and conditions.
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
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Our customer rating
4.6/5
* This is an approximate loan duration and amount based on assumed adequate security and 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.
How It Works
When you borrow $2500, you’ll first pay a one-time $195 establishment fee (for credit checks) to set up your loan. At the end of your 8-week term, you’ll simply repay the full $2,695 and your loan is settled.
If you experience financial hardship or need more time to repay, your loan can automatically convert into a 36-month payment plan, giving you flexible repayment options and reducing financial stress.
Alternatively it may be extended to 3 years (156 weeks) with repayments of $25.30 per week including interest at 19.95% per annum and an admin fee of $10 per month. Totalling $3946.44.
We’re a fully licensed NZ personal lender and follow the New Zealand Responsible Lending code, so you can borrow with confidence knowing your loans are secured. Transparent, fair and responsible lending that puts people first.
- Borrow $2500
- Pay a $195 establishment fee
- At the end of the 8 weeks, pay the full ($2695)
- If needed, your loan can convert to a 36-month payment plan
See our website for further details or telephone a helpful staff member to discuss how we might help you with any finance issues including refinance of any existing or proposed buy now pay later loans and any other matters.
How Do We Compare?
| Quick Loans | AfterPay | |
| Repayment Term | 8 Weeks | 4 Weeks |
| Loan Amount | Up to $2500 | Typically up to $1500 |
| How You Can Use It | Cash directly into your account | Only available at partnered retailers. |
| Interest Rate | 0% for 8 weeks | 0% (late fees apply) |
With Quick Loans, you get cash directly into your account, not just store credit. Our loans can be used for almost anything: car repairs, bills, moving costs or even covering short-term personal expenses until payday.
We’ve been helping our customers with their problems for over 30 years and we always do our best to help! Loans are always secured and the responsible lending code applies.
Check out our Google Rating with over 1200 positive reviews.
NZ Customer Reviews
Rated 4.6 out of 5 stars based on 1392 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, we promise!
STEP 2
Your application will be assessed by a human – not a computer. You’ll hear back in as little as 1 hour. We’ll explain the interest rate and repayment schedule, as well as the methods on how you can repay the loan.
STEP 3
If your loan is approved, you’ll get access to the digital loan documents following the NZ responsible lending laws, and the money will be deposited in your account within 24 hours.
Getting started takes only 6 minutes.
APPLY NOWFAQs – NZ Interest Free Loan Applications
Am I Eligible?
Yes! Our loans are available to New Zealand citizens and residents aged 21 or over who meet our simple eligibility criteria and have a satisfactory credit score. This offer isn’t just for New Zealanders on low incomes; we provide loans to everyone regardless of their financial situation.
What Do I Need To Apply?
Our application process is quick and easy – you’ll just need:
- A valid New Zealand photo ID (driver’s licence or passport)
- Proof of New Zealand residency or citizenship
- Access to your online banking (for quick income verification)
- A valid email and phone number
Simply complete our secure online form – it takes just 6 minutes!
How Do I Make My Loan Repayments?
Your loan is repaid weekly, fortnightly, or monthly via direct debit from your nominated bank account.
If you’re receiving work and income support, our organisation can help you set up an affordable repayment schedule that fits your budget.
Any Hidden Rates and Fees?
No. The only cost is a one-time $195 establishment fee.
Can I Extend My Loan Term?
Absolutely. If you need extra time, your loan can convert into a 36 month low interest loan.
This flexible payment plan helps if you experience hardship or need longer to repay – reducing financial stress and giving you more breathing room.
How Fast Can I Get the Money?
Once approved, funds are usually transferred to your bank account within 24 hours. That means you can apply today and have money ready to use as soon as tomorrow – perfect for urgent situations or when you need to manage your money quickly.
What Can Loans Be Used For?
Our no-interest loans can be used for almost anything that helps you stay on top of life expenses. From essential items, debt consolidation, urgent bills, rent top-ups, or even helping cover unexpected financial hardship.
Think of it as a personal loan that works around your needs, not the other way around.
Can These Loans Help If I’m On A Limited Income?
Yes, absolutely! Our loans are designed to help New Zealanders on limited incomes who need short-term financial support without getting caught in high-interest debt or unfair repayment terms.
How Do These Loans Help With Debt Problems?
Our loans are a smart option for anyone looking to take control of their debt and simplify their finances. We offer interest free loans for up to 8 weeks, helping you manage repayments without the added burden of high interest costs. if you need longer term support, you can easily apply to move your balance into a debt consolidation account. bringing multiple debts together into one organised, manageable repayment plan. its a simple way to reduce stress, stay on-top of your finances, and work towards becoming debt free.
Apply Now – Get Approved in Minutes
Ready to experience the best 0% interest loan offer in New Zealand?
Apply online today and get fast, fair and interest free cash when you need it most.