Short Term Loans NZ Made Easy
Get instant approval on short term loans up to $20,000 when you need to cover expenses while waiting for funds to come in.
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$1,000 – $150,000
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It’s easy. Only 6 mins
Get Approved
In just 60 mins*
Calculate Your Short Term Loan Repayments
Use our short term 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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Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week
$30 per week
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* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.
Short Term Loans New Zealand
Get short term loans NZ from 9.95% when you need it most. Whether it’s bills or unexpected expenses, a short term loan is designed to provide you with the necessary cash when you need it. Apply online and have the funds in your account within 24 hours, subject to the New Zealand responsible lending code and affordability.
With Quick Loans, we provide short term finance solutions from $1000 and $20,000 with repayment terms from six months to 48 months.
Repayments for loans secured against assets such as vehicles can be structured up to 4 years, and up to 5 years for loans secured against property or land.
We’re committed to providing you with a payment plan that suits your needs, so we’ll carefully review your income, credit history, and other vital factors to determine the payment terms.
Short Term Property Finance
You may need access to short term property finance while you’re waiting for your existing home to sell, or to help fund your renovation project.
At Quick Loans, we offer short term property finance solutions to provide you with the capital you need fast and more easily than dealing with banks. With interest rates from 9.95%, flexible and responsible lending criteria and no early settlement fees, you can apply now and be approved within 60 minutes.
With short term property finance Quick Loans lend up to $500,000 NZD as the deposit on your new home loan. The amount we will approve for you is calculated based on the value of the security (your existing property) you have.
Short Term Loans Instant Approval up to $20,000
Quick Loans offers instant approval on short term 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.
For secured short term financing, 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. If you don’t have any collateral, don’t worry! We would be more than happy to work with a friend or family member who can act as your guarantor and provide the necessary security on your behalf.
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Fast, Easy Loans For Kiwis
Applying for your new loan is easy. Get access to your digital loan documents with privacy.
STEP 1
Complete our quick and simple loans online application form in only 7 minutes.
STEP 2
Your application is assessed by human – not a computer who’ll call you back within 60 minutes.
STEP 3
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.
APPLY NOWHere are our short term loans FAQs
How much can I borrow with a short term loan?
Generally, small short term loans range from $1,000 to $20,000. More significant loans may be set up as personal loans, secured against the borrower’s assets and paid back over a more extended period.
With short term property finance Quick Loans lend up to half a million NZD as the deposit on your new home loan. The amount we will approve for you is calculated based on the value of the security (your existing property) you have.
What type of security do I need for a 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. No collateral? No problem! We’re more than willing to collaborate with a trusted friend or family member who can serve as your guarantor and provide the required security on your behalf.
How do I make loan repayments?
You can make monthly, fortnightly, or weekly payments via direct debit on a regular date that suits you. We can structure repayments for loans secured against assets such as vehicles for up to four years and up to five years for loans secured against property or land.
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?
To qualify for any of our loans, it’s essential to provide collateral or security. We accept a broad range of items as collateral, including household appliances such as whiteware and electronics (TVs and stereos), vehicles, property, or land. However, if you don’t have any collateral, you can still apply for a loan with the help of a friend or family member who can act as a guarantor to provide the required security on your behalf.
You need to be over 21 (unless you have a suitable guarantor who is over 21).
You should have a reasonable credit history.
You must be able to make the payments on your loan.
You must live in NZ and be a NZ Resident or NZ Citizen (or have guarantors who are).
What is the duration for short term loans?
Our short term loans typically range from six months to five years, with the majority falling within the one to two-year loan term range.
Do I have to accept the money straight away?
No. Although most people prefer to get their money straight away, your loan approval is valid for 14 days once approved.
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?
If the existing property doesn’t sell before the loan is due, you may be able to extend the loan or refinance. However, this may come with additional fees and interest.
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!