Quick Short Term Loans for Life’s Unexpected Moments
Short term loans can save you from outrageous overdraft fees and high credit card interest rates when you have unexpected expenses. If you apply for a loan or apply online with us, expect no bank queues or lengthy paperwork, just fixed annual interest rates and affordable monthly repayments. Get funds in your account within 24 hours.
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Borrow
$1,000 – $150,000
100% Online Application
It’s easy. Only 6 mins
Get Approved
In just 60 mins*
Use our Personal Loan Calculator
Use our 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.
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* 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 13.95% to 26.98% 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.
What are Short-Term Loans for?
Short-term loans bridge financial gaps when life throws unexpected expenses your way. Car repairs, medical bills, rental bonds, or urgent household expenses don’t wait for payday. Quick Loans provides online loan options from $800 to $20,000 with repayment terms up to 3 years.
We’re Not Payday Lenders
Don’t confuse our short-term loans with expensive payday loans. Payday loans offer smaller amounts with repayment plans as short as 16 days and much higher interest rates. We give a longer term of up to 3 years, giving you proper time to repay your loan without the stress. Apply today.
Flexible Repayment Options
Loan payments that are secured against vehicles can be structured up to 3 years. Property or land-secured loans extend up to 4 years. We focus on substantial financial challenges, not day-to-day expenses, while making sure your financial commitment is manageable, while maintaining affordability.
You can also use our loan calculator to estimate your monthly repayments and choose a plan that works for you.
Short Term Property Finance
Property deals rarely happen on a perfect timeline. You might need to secure a new home before your current property sells, or fund urgent renovations to maximise your sale price. Quick Loans offers same-day property finance solutions to bridge these gaps.
Our short term property financing allows you to act quickly in competitive markets without lengthy bank processes. Annual interest rates start from 13.95%, and we offer flexible repayment options and minimal establishment fees. Your loan amount is calculated based on your existing property’s value as security, and all costs are clearly outlined so you know what’s payable from the start.
Fast Loan Application Process up to $20,000
Our streamlined online application process gets you funds fast without the bank bureaucracy. Apply online or call our Christchurch team for personalised advice from real people who will understand your financial situation. We will look at your credit report and assess your application within 60 minutes during business hours. Once approved, you’ll get funds in your account within 24 hours.
No collateral? No problem. We’re happy to work with a friend or family member with a good credit history as your guarantor. Our unsecured loans require income, NZ residency, and you must be 21 or older. A quick credit check is part of the process, but we take a big-picture approach to lending.
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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 for Short Term Loan Applications
How much can I borrow with a short term loan?
Short-term loans in NZ typically range from $800 to $20,000. For property finance, we lend based on your existing property’s value as security. The amount you can borrow depends on the security you can provide and your eligibility.
Use our calculator to get an estimate based on your preferred repayment term. The calculator only provides an estimate, as we have to consider your existing debts.
What type of security do I need for a short term loan?
We accept cars, boats, property, or land as security. We also accept household items like whiteware and electronics. We don’t provide unsecured loans.
How do I make loan repayments?
You can make weekly, fortnightly, or monthly repayments via direct debit on repayment dates that suit you. Loans are typically up to 36 months, with property-secured loans extending up to 48 months.
Can I get a payment protection plan in case I don’t make my loan repayments?
Yes, we recommend that you get a payment protection plan against your short term loan for peace of mind.
Who’s eligible for short term loans?
You need to be over 21, live in NZ as a resident or citizen, and provide security or a guarantor. You must have regular income and be able to afford the repayment amount. We assess each application form individually to ensure affordability and financial commitment.
Will my interest rate be fixed or variable?
We only offer fixed interest rate loans. This means your annual interest rates stay the same throughout your loan term, making budgeting easier with predictable monthly repayments.
What makes Quick Loans different?
We prioritise speed, simplicity, and local service over big bank bureaucracy. Real people in Christchurch assess your online application against our lending criteria within 60 minutes of receiving your application. We believe in fair, responsible lending for all financial backgrounds.
Do you offer bad credit loans?
As responsible lenders, we assess each application individually because we know your current financial situation may not reflect your credit score or credit history. While not every applicant will qualify for personal loans online, we can find other ways to help such as with debt consolidation loans or financial advice.
What fees are associated with the short term property finance?
There are standard fees associated with this type of financing, including application and establishment fees. See the full list of interest rates and standard fees here.
What happens if the existing property doesn’t sell before the loan is due?
You may be able to extend or refinance your loan, though additional fees and interest may apply. We’ll work with you to find a suitable solution, such as long-term loans.
What is the Responsible Lending Code of NZ and how does it help borrowers?
The Responsible Lending Code protects borrowers by ensuring lenders only offer loans you can actually afford to repay. Under this code, lenders may assess your income, expenses, and financial situation before approving any loan. This means you won’t be stuck in a cycle of debt and legit loans are designed so that borrowers can comfortably repay them.
Fast and hassle-free, Fast Loans Online 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!