Fast and easy Short term loans don’t need to be expensive or stressful.

Sometimes money isn’t there when you need it. Be it a difficult period, an unexpected expense, or a must-have purchase, you might require an Instant financial boost to make it through or make it right. Payday loans can be expensive and unnecessary. There’s a better option. We provide short term finance all over NZ – loans that can be quickly and easily obtained and, more importantly, quickly and easily repaid.

Kiwis from all walks of life often need fast cash loans for short term funds. Sometimes this finance is simply a way of overcoming immediate challenges or purchasing necessary items. Other times it may be needed due to an unexpected emergency. Loans of this type are often regarded as only being available through what is known as ‘pay day lenders’ in New Zealand. However, a short term loan will, more often than not, be a far cheaper option with lower repayments.

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 short online loan application process, you can enter your information easily and one of our team will soon be in touch to ensure everything goes smoothly.

At Quick Loans we offer secured and unsecured short term loans from $1,000 upwards.

  • Interest rates from 9.95%
  • No early settlement fee
  • Minimum 6-month term
  • 100% online application
  • Fast response confirmation
  • Flexible criteria

Our approach

When you come to Quick Loans our local team will ensure we live up to the name by ensuring you receive your short term loan quick smart. 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.

We take pride in being one of New Zealand’s most trusted short-term loan lenders. We have worked hard over the years to build our leading reputation as a responsible and effective loan company. This reputation is too valuable to lose on loan services that don’t leave our clients 100% happy with the results.

That’s why we work with our clients to ensure any loan they take out is set to their budget and that this loan can be paid back within a realistic and appropriate time. The end result must always be a win-win for all parties.

A short term loan is a bridge that can help you cross challenging waters or journey along the road to your intended destination.

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

A short term loan is a bridge that can help you cross challenging waters or journey along the road to your intended destination. Our approach ensures you can get across the bridge and step ahead with confidence. Ready to move forward? Get in touch today.

Your information

In order to correctly assess your eligibility criteria, we will need to access your financial information. You have these responsibilities to ensure our lending process can run quickly and smoothly:

  • We expect you to have a reasonable credit history. This doesn’t mean it needs to be ‘spotless’. A lot of people have had challenges in the past, and this won’t necessarily prevent you from gaining a short term cash loan. Quite simply, we need to know you can and will pay back your loan.
  • You must not have any current payday loans.
  • You must also provide bank statements showing an acceptable level of financial stability.
  • We require a current driver’s licence or passport for identification purposes.

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


Top Short term loans comparison:-

The approximate values below will give you an idea of how a loan stack up against a payday loan.



lender 1


lender 2


secured loan

Savings with


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



Here are Short term loans FAQs…

What actually is a short term loan?

A short-term loan is one that’s set up to be paid back quickly over a short period of time.

What are the advantages of a short term loan compared with one over a longer period?

Most lenders prefer to lock customers into long-term payment plans for loans as this longer period provides more interest payments. A short term 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 term is six months and the maximum is five years. On average most of our small short term loans are around the one to two-year mark.

What do people take short term loans out for?

The reasons for applying for a 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 larger purchase, or require finance to cover a planned lean period in their lives.

How much can I borrow as a short term loan?

Generally, these loans range from $1,000 to $10,000. Larger amounts may be set up as personal loans, which will be secured against the borrower’s assets and paid back over a longer period of time.

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

Secured 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 instead are charged higher interest rates and paid back over shorter repayment periods.

How do I pay a short term loan back?

It’s generally flexible – you can choose to repay your loan in weeks, months or years. Once we check your income, credit history and other key factors we’ll determine the terms of your payment contract.

What type of security do I need?

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 loan application process.

Should I borrow more than I need?

Short answer: No. Longer answer: Only borrow what you need and be absolutely clear 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 absolutely needed.

How does the Quick Loans 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 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 loans with fast approval – with all the right information in front of us we can quickly make a decision so you can get on with your life.

Do you provide same-day loans?

Yes, we do. Here at Quick Loans, our team is ready when you need us. Often we can confirm a loan quickly if all the right 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 fine however we 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, which is designed to combine all existing debts into one single loan, ensuring you can pay off everything with one simple ongoing payment. To find out more about a debt consolidation loan click here.

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.

Is there anyone you don’t lend to?

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 simply 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?

It’s easy – click here to go to our fast loan application page.

Your rights

Most credit contracts and loans give you rights under the Credit Contracts and Consumer Finance Act (CCCFA). As the Consumer Protection points out, New Zealand lenders must:

  • Follow lender responsibility principles, guided by the Responsible Lending Code
  • Check the loan is suitable, e.g., ask about the purpose of the loan, the amount you need, if you want to be able to pay off lump sums, any extra products you might want if you are likely to want to top up your loan.
  • Check you can afford it, e.g., ask about your day-to-day expenses like travel and food.
  • Help you understand the loan, e.g., provide vital information in writing like repayment amounts and how interest is calculated.
  • Make sure the loan is not oppressive, e.g., the lender’s behavior and the loan contract itself cannot be extraordinarily unfair or unreasonable.

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!