Payday Loans NZ – Get an online Payday Loan



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Second Mortgage Repayments

Use our second mortgage 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

Your data is secure

Padlock icon - secure loan

Trusted by


Our customer rating

google-logo-reviews 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.

Save more with a longer timeframe

Payday loans have a bad reputation with good reason. With little vetting, negligible support and occasionally unethical approaches some companies lock their customers into a financially damaging cycle of debt. We believe our service should empower our customers, not weaken them. So, we offer easy payday loan alternatives that are cheaper and, most importantly, fairer.

It’s a fact of life that many working New Zealanders will occasionally struggle to get through to their next payday after the arrival of an unexpected expense. When such challenges arrive, even considering a payday loan should be the last resort.

We offer a better alternative to a payday loan – one that’s cheaper to payback thanks to a slightly longer loan term and our non-negotiable belief in offering our customers the fairest way to move forward with their lives. These customers come from all walks of life – they’re teachers, they’re nurses, they’re friends and neighbors. We ensure they can get cash assistance quickly without having to pay exorbitant interest rates subject to responsible lending code and affordability.

We don’t offer this option to everyone. You’ll need to be in employment and have a reasonable credit history (one or two issues might be fine however, we’ll work it out). The good news is that you’ll quickly know if your loan is approved and, if so, the money will be in your account the next day subject to the responsible lending code and affordability. We take pride in the speed and ease with which our online loan applications can be undertaken.

At Quick Loans we provide payday loans up to $1,000.00 – and applications are processed in minutes

  • Interest rates from 9.95%
  • No early settlement fee
  • No expensive processing fees
  • 100% online application
  • Fast response confirmation
  • Flexible criteria
  • Local service support

The Payday Loans comparisons

The approximate figures below will give you an idea of how a Quick Loan alternative stacks up against a payday loan.


lender 1
lender 2
secured loan
Savings with Quickloans
Loan amount $5,000.00 $5,000.00 $5,000.00
Loan term (weeks) 52 weeks 52 weeks 52 weeks
Interest rate 49.95% 49.95% 19.95% 30.00%
Repayment (weekly) $126.84 $125.48 $118.14 $7.34
Total amount paid $6,595.68 $6,524.96 $6,143.13 $452.55
Early settlement fee No No No

Your information

We will need to clearly assess your eligibility criteria before signing off on the loan. To do so we will need to access your financial information. You also have these responsibilities to ensure the loan application can run quickly and smoothly:

  • You must have a reasonable credit history. Yes, the odd difficulty in the past here and there is ok – everyone can go through tough times. But we need to know you can and will pay back your loan.
  • You must not have any current payday loans.
  • You must be currently employed.
  • 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.

Our approach

Over the years we have built our reputation in New Zealand as a responsible, effective and at all times professional lender. That’s why we work hard to ensure our customers are happy, and why we focus on maintaining this reputation for quality results.

The actions of many payday loan companies in the past have given the entire industry a shameful reputation. We know there’s a better way of doing business. We work every day to help share this better way with our customers.

We love to say yes. Providing our customers with a fast and stress-free loan that can keep them going through tough times is quite honestly a pretty good feeling.

Our payday loan alternatives provide quick cash loans but offered over a longer-term than a payday lender would. By doing so we can reduce the interest rate amount and also ensure the overall cost of the loan is far lower than many of the short-term, high-rate lenders in New Zealand.

We love to say yes. Providing our customers with a fast and stress-free loan that can keep them going through tough times is quite honestly a pretty good feeling. So we do everything we can to ensure these customers can access a loan for unexpected expenses as quickly and conveniently as possible.

We also know it’s important to say no. We don’t provide loans to those who are obviously in a downward spiraling debt cycle. We also do not lend to anyone who is vulnerable, who is living a financially unsustainable lifestyle, or who has more to lose than they might gain.

If we consider that you cannot pay back the loan, or receiving the loan would put you in a worse financial position in the medium and long term, we won’t accept the loan application. If this occurs, we’re happy to share further information on whom you can speak to about either emergency financial assistance or financial planning in the future.

There is plenty of highly reputable budget advice and financial guidance organisations in New Zealand who provide valuable support that is free, non-judgmental, and always confidential.

Talk To Us Today – Get Instant Finance Today


NZ Customer Reviews

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 payday loan FAQs

How long will the application process take?

The Quick Loans online application process will take you 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.

How do I apply for the loan?

It’s all done online and you can apply any time you want! You will need proof of your identity and your bank account details. Click here to start now.

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.

Will I qualify for a payday loan alternative?

If you meet our criteria you’ll soon know – the amount you can borrow is linked to how much you earn, what your expenses are and how much you can reasonably payback.

Will you loan to anyone?

Definitely not. Our loan application process ensures only those who can realistically pay back the loan will receive it. We do not provide payday loan-type finance to those who are vulnerable or in need of guidance to escape financial issues.

What is a payday loan?

Payday loans (or, as they are sometimes known, cash advances) are essentially very small loans that are taken out against your next pay. If you can’t pay back the loan from this pay additional interest rates will often hugely increase the total cost of the loan.

Why don’t you offer payday loans?

Short-term loans designed to get people through to their next pay are often targeted at the vulnerable people in society – and the interest charges are huge. We don’t believe such high-interest, short-term loans are in the customer’s best interests.

Do I need to be employed?

We need to see a regular income from your employment record. If you don’t have this, we have other loans that may better suit you.

What happens if I can’t pay back a loan?

First, don’t panic. Despite your best intentions, life can occasionally get in the way of a good plan. A lot can change in a very short time. If you’ve been delayed due to illness, injury, loss of employment or another reasonable cause we’ll work with you to ensure a sensible solution. This might be a repayment holiday or interest cap, provided any new conditions continue to be met. We have a hardship application process to help you out too.

The worst thing you can do at this time is to ignore the payment problem and hope that it goes away. If you don’t contact us our standard loan retrieval process begins, which means a lot of hassle for you and far greater cost in the long run.

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