Rating based on 29 reviews

The Active Finance

  • Payday loans up to $3,000
  • Low-interest starting from 10.89%
  • Repayment up to 30 days

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Author The Active Finance. Screenshot of The Active Finance website.
[Accessed April 17, 2018]

Active Finance - We have the lowest interest rates

Active finance offers the fastest service when it comes to getting you the best deal on personal loans, payday loans, vehicle financing, debt consolidation, or bridging finance. We listen to your needs and form a relationship with our clients.

We know everyone has different circumstances and that’s why we customize a loan solution to suit your specific needs and requirements.

We offer fast loans at the lowest interest rates in New Zealand we do this by providing access to our large network of lenders.

When you have options you will be able to compare deals side by side and chose the loan option that best suits your requirements.

Our mission is to find you the best deal

Since 2000 we have assisted thousands of New Zealand citizens to obtain the payday loans that they were searching for. Our mission is to assist our clients in their time of need, by providing helpful financial advice and guidance.

We search and find our clients the lowest interest rate possible and offer very easy repayment terms that can be designed and customized to suit your requirements.

Deciding how much you want to borrow

To help you decide how much money you can comfortably afford to borrow, we have provided an online calculator that will sort out the number for you.

Use the calculator to find out how long it would take you to pay back the desired amount. Select how frequently you get paid and if it’s weekly, fortnightly, or monthly. The calculator will give you a rough idea of what your payments will be.

The Active Finance Services

Our philosophy is to keep you happy and smiling we do this by keeping the loan process as stress-free and easy as possible. We are a loan finding service that uses our knowledge to source you the best financial solution.

Complete just one loan application online this will give you access to a wide range of lenders. By applying through our service you have access to multiple lenders, but it will only look like you are applying for one loan so it won’t negatively impact your credit score.

By having access to more than one lender you can compare offers and save money, you also have more chance of your loan application being approved.

The following requirements are needed when you apply

As we are a loan finding service this means that we can help you compare loans online and find you the loan you are looking for no matter what you are looking for or what credit score you have.

  • To apply you will need to be at least 18 years old
  • You need to be a citizen of New Zealand
  • You must prove that you can afford the payday loan and that you have a stable income

Unsecured personal loans

Not everyone has the ability or collateral to secure their loan, but they may still require some extra cash. Our unsecured personal loans are ideal for unexpected expenses. The amount that you will be able to borrow will depend on your individual circumstances

No matter what your personal cash loan requirements are or if you have had financial problems in the past we will be able to secure you a loan through one of the lenders in our network. The interest rate that you will be charged will vary based on your affordability and other requirements.

The Active Finance – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 10.89%
  • Loan Amount up to $3,000
  • Repayment 30 days

Benefits of The Active Finance

  • Approvals are instant
  • Easy loan comparison
  • Online application

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.

Active Finance - Quick payday loans

Knowing how much your loan will cost you is very important as this will determine if you are able to afford one of our quick loans or not. Those with a bad credit score could be charged more.

Use the online calculator to find out how much you would be able to borrow then figure out how long it will take you to repay the money. Our friendly consultants will help you draw up a payment plan that is easy to manage and suits your wallet. To make repaying your loan simple we will set up a direct debit on your account so that you never miss a payment or need to worry about keeping track of your loan.

Your bad credit score can make it almost impossible to obtain a loan. We realize that this can be very frustrating and stressful. Clients with bad credit may require a loan regardless of their previous financial mistakes. Your credit history is only one factor in your financial situation we assess your application on your total ability to repay the bad credit loan.

How your credit score affects your loan application

Blacklisted loan interest rates vary depending on your overall credit report. The worse that your credit score is, the more interest you will be charged. Our payday loans allow you up to 6 months to repay your loan while maximum terms range up to 60 months. Interest rates start at 14.95% to the maximum of 25.95%

Purchasing a car with bad credit

When you are trying to purchase a vehicle a credit check is usually performed, if you have a bad credit score it could be far more difficult for you to obtain a car loan.

At Active Finance we believe that your bad credit score shouldn’t make you miss out on getting the vehicle that you have been dreaming of.

Customer Reviews & Testimonials

If you need a payday loan, I’d recommend Active Finance because you’ll get an immediate answer, saving you time in the long run.

Michelle J
— Timaru —

Thanks for the very competitive rate I got with my payday loan. That definitely helped keep a few extra coins in my pocket.

Jody R
— Palmerston North —

It was so much simpler getting a payday loan with Active Finance’s help. An easy online application was all it took for me to find the right loan.

Logan C
— Nelson —

The Active Finance Contact

Contact Number



Physical Address

Postal Address

  • P.O.Box 276-029, Manukau, Auckland, 2241, New Zealand

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday Closed –
  • Sunday Closed –