Rating based on 14 reviews


  • Payday loans up to $1,000
  • Low-interest starting from 227%
  • Repayment up to 45 days

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Author Ferratum. Screenshot of Ferratum website.
[Accessed April 17, 2018]

Ferratum - Payday loans up to $1900

Ferratum is a global financial lender that was first founded in 2005 to offer our customers a fast, simple efficient financial solution in their time of need. Our payday loans are offered online via our website. We offer our customers a friendly, efficient service that they can trust and treat them as part of the family.

Our loans range between $100,00 and $1900, 00 for first-time clients and we offer very easy repayment terms of up to 45 days. Apply from your smart phone, laptop or tablet or by completing the online application form.

Your first loan is 100% free

We are so positive that you will be happy with our service that we offer you the opportunity to try your first loan absolutely 100% free. We won’t charge you any fees and you will only repay the amount that you borrowed with no added costs.

This offer is only available to new clients on their first short term loan of up to $300 over a 30 day loan period.

Payday loan solution you can trust

Sometimes you require funding and you need it in a hurry. When you have a cash emergency, we offer quick loans. Our loans offer fast cash solutions between $100 and up to $1900,00 you will have 30 days to repay the loan or until your next payday.

To keep the loan process running smoothly and prevent any hiccups we will help you arrange a direct debit on your account that will align with your payment frequency. If you have larger expenses and need more money we offer quick loans of between $500 and $5000,00 with up to 6 months to pay back the loan.

Ferratum Services

Payday loans have many different names including microloans, short-term cash loans, quick advance loans and instant loans. Most of them essentially offer the same contract terms and services.

Our loans were designed to get the cash that you need as quickly as possible.

The loans need to be repaid in full by your next payday.

When you need cash to pay for an unexpected emergency or take advantage of a time-sensitive deal we offer the fast solution that you have been searching for.

To apply for our loans is completely 100% free and obligation free.

Advantages of Ferratum pay day loans

  • Your online loan application will be approved more easily
  • You will receive an outcome very quickly and won’t need to stress waiting for hours
  • The money will be paid directly into your account within 24 hours as soon as we receive your loan application
  • There are no restrictions on what the loan can be used for
  • The loan amount will be debited directly from your account on your next payday so that you never miss a payment

If you are struggling financially a payday loan can be more difficult to repay as the entire loan needs to be settled by your next payday in one large payment.

This can cause additional financial problems if you are already struggling.

Ferratum – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 227%
  • Loan Amount up to $1,000
  • Repayment 7 days to 45 days

Benefits of Ferratum

  • INSTANT Loans
  • UNSECURED Same Day Loans
  • FAST CASH Loans

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Ferratum - Flexible repayment terms

Struggling to pay your bills and make end meet is a horrible experience. And if you have a bad credit score, then it becomes increasingly more difficult to have your loan application approved, we understand that you might need some cash, regardless of your credit report and aim to find you a bad credit loan solution.

Ferratum offers cash solutions no matter what your loan requirements or individual circumstances are, we offer car loans, medical loans, loans to pay for emergencies or loan for your holiday.

Paying for your Ferratum loan

Your loan will be recovered via a direct debit on your account the entire amount will be deducted in one payment. If you have any problems with repaying your loan we understand and want to assist you if we can. We do this by helping you create a payment schedule that is customized to suit your individual requirements.

If you are having issues or find that you can’t make a payment on your loan, please let us know so that we can try to save you penalty charges. Contact us and we will find a solution that suits your budget so that you can stop worrying and take all the financial stress out of the equation.

How the loan process works

Going to a bank to try and get money is no one’s idea of fun. Banks have strict lending criteria and make you meet all sorts of requirements. If you have a bad credit score then your loan application has a higher risk of being rejected.

Simply follow the following easy steps to apply:

  1. Apply online via our website by completing our online application form
  2. We will process your application and verify your details. You will receive your outcome within a few minutes. Send us your signed loan agreement
  3. Your cash will be paid into your account within 24 hours or even sooner
  4. Spend your payday loan on anything that you want to without any restrictions
  5. Use our direct debit system to pay back the loan so that you never miss a payment or have to worry about keeping track of due dates
  6. Returning clients are rewarded by qualifying to borrow more money. If they use their unique customer pin to apply their application will be approved even faster

Customer Reviews & Testimonials

Whenever I need a payday loan, I always use Ferratum because they are fast, efficient and a bunch of great people to deal with.

Anna W
— Dunedin —

I contacted Ferratum for a payday loan. I had never taken out a loan before so I wasn’t completely sure of how the process works. Thankfully, Ferratum’s staff was so helpful and the agent who ass...

Kate J
— Whangarei —

It only took a couple of minutes for them to tell me the results of my payday loan application, so you don’t have to worry about any lengthy waiting periods because there aren’t any.

Patrick R
— Lower Hutt —

Ferratum Contact

Physical Address

Postal Address

  • PO Box 33-1009, Takapuna, 0745, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday Closed –
  • Sunday Closed –