Payday Advance

logo payday advance
If you need quick cash Payday Loans that are fast and flexible – then you’re in the right place!

Interest Rate

48.00% - 290.5%

Loan Tenure

1 weekly - 18 months

Approval Duration

Up to 1 working days

Min. monthly income


What is Payday Advance NZ?

A flexible and fast payday loan service, Payday Advance provides Kiwis with quick access to cash through an unsecured personal loan.

Unexpected expenses and emergencies can occur any time with no regard for your account balance or how far your next paycheck is. Usually, when you run into costs like car repairs or medical expenses at the end of the month, you don’t have the money to pay for them. In these situations, it’s convenient to take a payday loan from a reliable non-bank service, such as Payday Advance in New Zealand.

Types of Loans

Payday Advance NZ offers three main types of loans. The fees and interest rates differ for new and returning customers. We’ll mention the rates for new customers.

Need a Lift

  • Borrow $100 to $1,000;
  • $30 Establishment fee;
  • 5% annual interest rate;
  • 90% approximate per day interest rate.

Going Places

  • Borrow $1,000 to $3,000;
  • Loan term of 3 to 9 months;
  • $50 establishment fee (for new and returning customers);
  • $5 monthly administration fee (for new and returning customers);
  • 50% annual interest rate
  • 90% approximate per day interest rate.

In Motion (same fees and interest rates for new and returning customers)

  • Borrow $3,000 to $5,000;
  • Loan term of 9 to 18 months;
  • $50 establishment fee;
  • $5 monthly administration fee;
  • 5% annual interest rate;
  • 47% approximate per day interest rate.

How to Apply for a Payday Advance Loan

Payday Advance has a fast application process that’s easy to understand. Within minutes, you can complete your application and send it for approval.

1.     Fill in the Application

Go to the homepage and enter the required loan amount, how many payments you want to make (in some cases this bar sets itself), and whether you are paid on a weekly, fortnightly, or monthly basis.

Click ‘Apply Now’ to fill in the form with information about your salary, pay frequency, next pay date, and expenses. You can then calculate for an estimate of interest, repayments, and total amount to be repaid. Read the Loan Contract and accept its terms & conditions.

2.     Provide Documentation

Next, you provide:

  • Last 3 bank statements;
  • Valid photo ID;
  • A self-portrait of you holding the photo ID;
  • Proof of physical address.

Take scans of the documentation and email it to [email protected]

Keep up with your loan application status by logging into the Payday Advance account that will be created for this purpose.

3.     Application Processing

After receiving the documentation, Payday Advance reviews your application. You will be informed as soon as they make a decision.

4.     Funds Transfer

If your application is approved, you will be notified and overnight, the funds will be transferred to your NZ bank account.

5.     Making Timely Repayments

To make repayments easy for the borrower, Payday Advance has set up automatic repayments. They will direct debit repayments overnight on the date stated in the application.

Repaying Early

You won’t be charged any penalties for repaying the loan early. If you complete a shorter term, it means paying less interest.             

payday advance loan NZ

Cash loans that put you in control

If you need speedy money Payday Loans that are quick and adaptable – at that point you’re in the correct spot! Payday Advance has helped a huge number of individuals crosswise over New Zealand with an unbound individual advance to oversee them to their next pay day. A credit from Payday Advance is snappy and simple and it returns you responsible for your situation.

Get Started Now

You decide the Payday Advance that’s best for you

If all you need is a couple of hundred dollars to bring you through to payday, we could offer:

  • Need A Lift’ from $100 – $1,000.
  • Going Places’ from $1,000 – $3,000.
  • In Motion’ from $3,000 – $5,000.
  • Moving Forward’ from $5,000 – $10,000*.
  • With adaptable reimbursement terms, you can control the advance to best suit your necessities (limits apply).

    Don’t stress on the off chance that you have past awful record as a consumer – you may at present fit the bill for a credit. We for the most part take a gander at your present capacity to reimburse, not simply old credit issues.

    *Available exclusively to our Returning customers, on a welcome just premise are as yet subject to standard qualification, loaning and reasonableness criteria.

    Take control and apply now – it’s quick and easy

    Our online money application process is straightforward and instinctive – and regularly just takes a couple of minutes to complete.

    Once your application is finished, we complete a couple of conclusive checks to guarantee the reasonableness and appropriateness of our administration for you. On the off chance that your application is affirmed, the cash can be moved into your financial balance medium-term around the same time of approval.

    Apply Now and assume responsibility for your circumstance today!


    AIR/APR (Annual Interest Rate) Our AIRs go from 511% to 693.5% per annum or roughly 1.40% to 1.90% every day. IMPLICATIONS OF NON PAYMENT: To keep away from extra expenses please reimburse your credit as indicated by concurred terms, anyway where a non-installment (or other default) happens the accompanying applies; Fees – A charge of $25 applies to each missed or fizzled installment. A charge of $7 applies for every update letter. Default Interest: Default intrigue applies to any late sum at 104% per annum. Collection Practices: We attempt gathering of our advances as per legitimate prerequisites and industry gauges and will instantly get in touch with you should you miss an installment date. Credit Score Implications: A reimbursed advance ought to emphatically impact your financial assessment. Anyway when a missed installment, fizzled installment or unpaid advance is probably going to contrarily affect your FICO rating. Subsequent Loan Policy: Subsequent Loans are accessible on second time borrowers where your advance history is agreeable to us and are liable to our carefulness.

    Snap here for additional data on our loans.