Short Term Loans NZ, Online Approval 60 Mins

Quick Loans offer short-term loans in New Zealand for difficult financial periods and unexpected expenses. We provide short-term finance from $1,000 to $20,000 in New Zealand that can be easily obtained in less than 60 minutes subject to the New Zealand responsible lending code and affordability.

Sometimes short-term cash loans are simply a way of overcoming immediate challenges or purchasing necessary items; other times, they may be needed due to unexpected emergencies. We are one of the few short loan companies that has stood the test of time, service New Zealand for decades.

People receiving loan approval

It’s not a lifetime commitment, or even sometimes a year-long one. Instead, our same-day short term loans are designed to ease your financial stress without worrying about long-term debt. With a straightforward online loan application process, you can enter your information quickly, and our team will soon be in touch to ensure your loan application process goes smoothly.

Quick Loans offer Secured & Unsecured Short Term Loans from $1,000.

  • Interest rates from 9.95%
  • Low early settlement fee
  • Minimum 6-month term
  • 100% online application
  • Fast response confirmation
  • Flexible criteria
  • Flexible loan-term

Our Short Term Finance Approach

The Quick Loans’ team take pride in being one of New Zealand’s most trusted short-term loan lenders. We will ensure you receive your short-term loan quickly and easily. With thousands of happy customers over the years, we know our reputation will only ever be as good as the service we provide, so we do everything we can to make sure this service is the very best it can be.

That’s why we work with our clients to ensure any loan they take out is set to their budget and that this loan-term is appropriate. That it can be paid back within a realistic and appropriate time.

So we don’t charge excessive interest rates, and why we don’t lend to those who can’t afford to repay the amount borrowed. Instead, we ensure our clients can achieve their goals without compromising their lifestyle.

A short-term loan is a bridge, or a bridging loan that can help you cross challenging financial circumstances. Our approach ensures you can get across the bridge and step ahead with confidence. Ready to move forward? Apply today.

Applying for your loan is really easy

Quick and Simple Online Loan Application Form
step 1

Complete our quick and simple online loan application form in only 5 minutes

Loan Application Assessed by a Human Being
step 2

Your application is assessed by a human being – not a computer who’ll contact you within 60 minutes
(during business hours)

Loan is Approved
step 3

If your loan is approved, after completing the documentation you’ll get your money the same day paid into your bank account


Short Term Loans NZ – Frequently Asked Questions

What is a short term loan?

A short-term loan set up to be paid back quickly over a short time period.

Do you offer quick, short term business loans?

Yes we do offer quick, short term business loans. You may need this for purchasing property and equipment before you sell your current assets.

What are the advantages of a short term loan compared with an extended period?

Most lenders prefer to lock customers into long-term payment plans for loans as an extended period provides more interest payments. A short term finance arrangement ensures you can pay less interest by paying the loan back over a quicker timeframe.

How ‘short’ are your short term loans?

The minimum short loan term is six months, and the maximum is five years. On average, most of our small short term loans are approximately one to two-year loan terms.

What do people take small short term loans for?

The reasons for applying for a small short term loan are as varied as Kiwis themselves. Sometimes emergencies may occur – everything from home repairs to vehicle maintenance to unexpected trips to the dentist. At other times our customers may want a little extra to supplement a more significant purchase and require finance for a big short term loan.

Can I get a short term loan to buy a house ?

Yes you can apply for a short term loan to buy a house. Of course we need to go through credit checks and comply with the responsible lending code of New Zealand, but loans to assist the purchase properties is one of our specialties, whether you’re a consumer, or a business.

How much money can I borrow with a short term loan?

Generally, small short term loans range from $1,000 to $10,000. More significant loans may be set up as personal loans, secured against the borrower’s assets and paid back over a more extended period.

What ID do I need to apply for a short term loan?

Short term lenders need to see confirmation of your income, such as a recent payslip 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.

What is the difference between a secured and an unsecured short term loan?

Secured short loans require the borrower to produce an asset as collateral, such as a car, home, or business. If the loan is not repaid in time, the lender takes possession of the asset as repayment. Unsecured loans do not require collateral but are charged higher interest rates and paid back over shorter repayment periods.

How do I repay a short term finance agreement?

Repayments of short term loans are generally flexible – you can choose to repay your loan in weeks, months or years. Once we check your income, credit history and other vital factors, we’ll determine the terms of your payment contract.

What type of security do I need for a short term loan?

For a secured short term loan, we generally require security against the loan in the form of a car, boat, or property. This security will be carefully evaluated as part of the short loan application process.

Should I borrow more than I need?

Short answer: No. Longer answer: Only borrow what you need and be clear about what this amount is. The more you borrow, the more you’ll have to pay in interest. It’s not worth paying extra for what isn’t needed and short term small loans are no exception.

How does Quick Loans’ short term loan application process work?

Our online application process requires that you fill out an application form, upload some documentation, and agree to the terms of service. From there, we’ll go through your application to determine how much you are eligible for and ensure all the information is accurate. We may get in touch at this stage to confirm any additional details. Once this is done, we’ll be in touch to let you know whether the loan is approved and, if so, when you’ll have the loan deposited into your account.

How long does the short term loan application process take?

The Quick Loans online application process takes our clients anywhere between 5 to 10 minutes to complete. We take pride in providing short term finance with fast approval. With all the correct information in front of us, we can quickly decide so you can get on with your life.

Do you provide same-day loans?

Yes, we do offer short same day loans. Here at Quick Loans, our team is ready when you need us. Often we can confirm a short term small loan quickly if all the correct information is available and all the boxes are ticked. Our fast, easy online application process ensures loans are carefully vetted and often approved on the same day.

I have other debts – can I still get a short term loan?

Some ongoing debt is acceptable. However, most short term lenders will not lend to anyone who has a current payday loan. If you want to pay off outstanding debts, it’s sometimes worth considering a debt consolidation loan designed to combine all existing debts into a single loan, ensuring you can pay off everything with one simple ongoing payment.

I have a few payment defaults in the past. Can I still get a short term loan?

Provided these defaults are isolated incidents and not a pattern of ongoing debt; we can process your online loan application as per usual.

Is there anyone who can’t get short term Finance?

There are plenty of people who can’t (and shouldn’t) get a loan from us. Our reputation has been built on empowering our customers, and we can’t afford to risk that reputation by lending to those who are vulnerable, who are using loans to put food on the table or who can’t afford to pay back the loan. If you are unsure whether you can pay back a loan, we’ll talk through all of your options and put you in touch with other organisations if we believe this is the best result for your needs.

What’s the next step to gaining my short term loan?

To get a small short term loans approved, simply apply online now. Alternatively, you can apply for a short term loan over the phone or in person.

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