Rating based on 34 reviews

Instant Cash Online

  • Payday loans up to $2,000
  • Low-interest up to 30%
  • Repayment up to 12 months

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Instant Cash Online homepage
Author Instant Cash Online. Screenshot of Instant Cash Online website.
[Accessed July 3, 2019]

Instant Cash Online - Convenient online loans

Instant Cash Online is New Zealand’s preferred online cash solution. We have over 5 years of experience in the financial field and we specialize in short-term loans.

We pride ourselves in excellent customer service and finding you the solution that you are searching for your individual needs and requirements.

Make us your first choice

We know how intimidating it can be to apply for a loan and all the hoops you need to jump through we aim to take the stress out of applying by making the process as easy as possible even if you have a less than perfect credit score.

Our mission is to provide you with the cash that you require as quickly as possible.

3 easy steps to applying for a loan

Step 1: Complete the online application form and upload the necessary supporting documents using credit sense or if you prefer you can scan and email them to us

Step 2: We will review and verify your details

Once we have received your application we will verify your details and make sure that you meet the minimum requirements then provide you with an outcome.

Step 3: Sign online

We will send you a copy of the payday loan agreement that you can accept and sign online.

We will send you an SMS to let you know we have sent you the contract. Sign it and send it back to us and we will pay the money directly into your account.

Instant Cash Online Services

Our online instant cash loans are perfect for cash emergencies or other unexpected expenses that may arise.

The application process is 100% online and you will receive an outcome in as little as 5 minutes. If your loan application is approved, you may receive your cash on the same day.

The technology you can trust

Technology is advancing every day so we take advantage of that fact. The fastest, most convenient way to apply is to log onto our website and complete the online application form.

Use Credit Sense to verify your details and upload your bank statements and we will give you an outcome within a few minutes. We are a responsible lender and treat our clients like family. If a loan is not in your best interest, we will try to assist you with advice

Payday loans for unexpected expenses

Our payday loans range between $300 and up to $2,000 and need to be repaid by your next payday. Payments are made via a direct debit that is set up to run automatically and aligns with your payment frequency. If you would like to make a payment in another manner, please call us so we can make the necessary arrangements.

We offer a number of different financial solutions including loans for clients that have a bad credit history or a bad credit score. We also offer vehicle financing and other short-term cash solutions.

Helping you be responsible

We are a responsible lender and as such we want to assist you wherever possible. If you are not able to afford the loan repayments we will not be able to assist you with a fast loan. We will perform a credit check and make a decision based on your financial obligations and other financial factors. Our contracts are easy to understand and all fees are upfront, there are no hidden clauses or additional costs that will make your loan cost more.

Instant Cash Online – Payday loan

  • Loan Type Payday loans
  • Interest Rate 30%
  • Loan Amount up to $2,000
  • Repayment 30 days to 12 months

Benefits of Instant Cash Online

  • Same day loans payout
  • Apply in only 5 minutes
  • No hidden charges

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.

Instant Cash Online - we put our clients first

We believe in building long-lasting relationships with our clients and putting you and your needs ahead of our own.

Our unsecured loan solutions were designed to be short-term cash advances, not long-lasting problems that keep you stuck in a debt cycle.

The skinny on payday loans

A payday loan is a short-term loan for when you need some extra cash in a hurry.

Our loans are very cost-effective and the perfect solution for time-sensitive deals as the money will be paid directly into your bank account on the same day that your loan application is approved.

To repay the loan is very easy as we will set up a direct debit on your account and the entire loan amount will be deducted on your next payday.

We aim to provide you with the best customer service and the most simple way to get you the cash that you need.

Calculate the cost of your loan

Provided on our website is an online calculator that will help you take the guesswork out of knowing how much you need and how much the loan will cost you.

If you are struggling financially a payday loan may not be the correct solution for your needs as these personal loans need to be paid back in full including your interest fee by your next payday. This can be quite difficult if you are already strapped for cash.

There are a number of other loan solutions available for those that may need longer to repay the loan.

Payday loans were designed as short-term loans solutions and should not be relied on as a long-term financial fix.

Customer Reviews & Testimonials

10 out of 10 for customer service! You are brilliant at what you do and all I can say is keep it up!

Sharnie C
— Invercargill —

Thank you for everything that you did and for assisting me with a payday loan when I really needed to go see the doctor. And the fact that I got the money on the same day was just the cherry on t...

Jasmine H
— Hamilton —

Instant Cash Online is so upfront. They keep things simple for you by being completely open- I really like that.

Morgan F
— Upper Hutt —

Instant Cash Online Contact

Physical Address

Postal Address

  • PO Box 423, Matraville, NSW, 2036, New Zealand, NSW, 2036, 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