Small Loans NZ – Fast Online Approval In 60 Minutes
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*
Loan Calculator
Our small loans NZ finance calculator can 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 36 months (or 48 months in some cases). Our fast cash loans are subject to credit checks in accordance with the responsible lending code of New Zealand.
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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, you’ll get up to 36 months to repay your loan, with affordable weekly or monthly instalments. We offer competitive interest rates ranging from 13.95% to 26.98% p.a. depending on the purchase you’re making, your credit score and the term you’re looking to borrow the funds for. For full details, 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. Quick Loans operates in full compliance with New Zealand’s 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.
Small Loans NZ -Wide
As a finance company, we’re here to help with any emergencies that arise, such as car repairs, home improvements, unexpected bills, accumulating debts, and late rent. With quick cash loans in NZ, you can buy necessities now and pay for them later without impacting your budget or lifestyle. It’s also easier for your budget compared to charging it on a credit card and paying a high annual interest rate.
Quick Loans NZ provides manageable, secured loans without the hassle or high costs. Borrow between $1,000 and $20,000 for any purpose, with interest rates starting at 9.95%. Available nationwide across New Zealand.
We’ve simplified the application process so you can apply for quick cash loans in less than 6 minutes.
Need more information? You can also speak to our team about our lending criteria and different loan types, so you can choose the right loan for your needs.
Apply Online for an Easy Loan Experience
We made our loan application process as easy as possible. You can apply online or talk to us today about our quick and easy loan products. As a registered financial service provider, we follow the responsible lending code of New Zealand.
Quick Loans Offer Secured & Unsecured Loans
- Interest rates from 13.95%
- Low early settlement fee
- Minimum 6-month term
- 100% online application
- Fast response confirmation
- Flexible criteria
Benefits of Small NZ Loans
Small cash loans have numerous advantages over bank loans, such as:
- Size – our easy cash loans start from as little as $1,000, whereas bank loans have a minimum amount of several thousand dollars.
- Speed – a small loan with us can get approved fast online or on the phone. With good credit, you can have the loaned amount in your account as quickly as 24 hours.
- Affordability – We charge competitive interest rates and fees.
- Simplicity – a smaller loan usually involves minimal paperwork and red tape.
- Availability – small loans are available to all residents in New Zealand
- Flexibility – Unlike car loans or debt consolidation loans, personal loans are not tied to a particular purchase and can be used for anything.
NZ Customer Reviews
Rated 4.5 out of 5 stars based on 1252 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 for Small Loans and Cash Loans NZ
How do I apply for a small cash loan?
You can apply for a small loan online, over the phone, or in person.
How much can I borrow with a small cash loan?
We offer instant approval on secured loans from $1,000 to $20,000. The amount you can be approved for is calculated on the value of the security you can offer. Terms and conditions apply, but we’ll do our best to structure your repayments and loan terms to suit your pocket and coincide with your pay-cycle.
How long does it take to get money when applying for small loans NZ?
Once a new loan is approved and the documentation is signed, you’ll have access to funds the next business day. If you need to get cash urgently, we have a same-day money service and a 24-hour phone answering service outside of regular business hours.
Do I need perfect credit history to apply for a small cash loan?
You don’t need a perfect credit score. As we’re not a bank, we look for reasons to say yes to your loan instead of declining your application. However, we cannot lend to anyone who is currently bankrupt or has recently filed a ‘No Asset Procedure’.
What ID do I need to apply for a loan in New Zealand?
We need to see confirmation of your income, such as a recent pay slip or bank statement, proof of your address and some personal identification such as your driver’s licence, passport, bank card, or firearm’s licence. We also need to have a current phone number (mobile or landline) and the registration (number plates) of any cars being used as security.
How much would my loan payments be?
Small loan payments start from $20 per week. We’ll work with you in making your loan repayments fit your budget and pay cycle.
Are there any fees or costs if I change my mind before accepting a small loan?
There are no penalties, fees, or costs if you change your mind about accepting the cash loan before signing the agreement.
Does it cost to pay a small loan back early?
Yes, there is a small fee to pay back the loan early. Please call us so we can provide you with a computation.
What is the responsible lending code of New Zealand and how does it protect me?
New Zealand’s Responsible Lending Code protects borrowers through two key requirements:
- Lenders must conduct a reasonable background check before approving loans to ensure the credit or loan issued meets the borrower’s needs. The goal is for us to help you finance your needs without financial hardship.
- Lenders must help clients create informed decisions by providing clear information about the loan terms and interest rates throughout the process.
This act protects consumers from predatory lending practices while encouraging responsible financial choices.
Get Easy, Instant Cash With Our ‘Digital Signature’ Service
We know you’re busy. That’s why you can sign for, and receive your funds without even leaving your house. Our digital-signature service provides a stress-free, convenient way for you to apply for personal loans NZ. If you have a smart-phone or a computer, you can apply and get quick approval today! Click here to start the process.