Quick Loans NZ

Get a quick cash loan that can be approved and credited within the hour!

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Get a Quick cash loan – even if you have Bad credit

Can’t deal with long application processes and waiting times? Get your quick cash loan within minutes with these top New Zealand lenders.

Find out the best and quickest way to get your loan approved, with expert advice and handpicked loan products.

Frequently Asked Questions

A quick loan can resolve your cash emergency

As the price of living increases but our salaries remain the same, more and more New Zealand citizens are having to rely on payday loans to be able to make it through each month.

There are hundreds of loan services in New Zealand with more and more popping up daily. Each lender offers different deals with a range of different terms and conditions.

A quick cash loan is also called an online loan or a fast cash loan these loans are very easy to obtain and the application process is quick and very easy. The process can be completed entirely online. This will save you time and money as there is no need to visit the branch or speak to someone face to face.

What is a Quick cash loan?

A quick loan is perfect for when you need a small amount of cash in a hurry in New Zealand, the loan can be obtained very easily through a fast online loan application. The main drawback to this type of instant cash loan is that you will also need to repay the loan very quickly.

The 2 types of Quick loans

An unsecured loan does not need to be secured by an item of collateral, you will need to have a good credit record and a high credit score. If you have a low credit score then you may be subjected to much stricter lending conditions and a much higher interest rate on a bad credit loan.

A secured loan will take a lot longer because the collateral needs to be evaluated first and then you can ask to borrow a certain amount against it. Fast loans are sometimes called payday loans because the amount that you borrow needs to be paid back in a one lump sum payment by your next payday.

A debit order can be set up for your convenience this will ensure that you don’t miss a payment. The interest in this type of loan is normally higher than a traditional loan.

Technology makes everything simple

The future of lending and banking is becoming more and more reliant on technology and having the ability to apply for a loan online. Most people don’t have a lot of time to dedicate to applying for a loan and they want the process to be as stress-free as possible.

The online process means that there is no need to complete tons of paperwork and any supporting documents that need to be supplied can simply be uploaded straight onto the website. If a credit check is required, then you can consent to one easily online. Once you have consented, we will be able to do everything from our side and give you an outcome.

When applying via a website we take every precaution to protect your personal information by using the latest technology and adhering to strict security measures.

The money will be paid directly into your bank account within 24 hours. This means that you can have the cash you need in a short amount of time.

What is a Payday loan?

Fast cash loans need to be paid back on your next payday.

Short-term loans are easy to obtain the only disadvantage comes when you need to pay back the loan. If you are struggling to make ends meet and that’s the reason that you applied for a loan, you might find that paying back the entire lump sum at once maybe even more difficult to manage and this could push you further into debt.

This means that often people become dependent on these types of loans and relay on additional loans to cover the cost. This ends up trapping them in a vicious debt cycle.

Your financial history is recorded in your credit report and lenders take note of how often you apply for loans. If you start to rely on loans to make ends meet then this could negatively affect your credit record and credit score. Your loan application could be declined if you apply for too many other loans.

No restrictions attached to your loan

A quick cash loan can be spent on anything and there are no restrictions attached to the loan. Some traditional loans can only be used for the purpose they were intended such as a vehicle loan to purchase a car or a home loan must be used for the purpose it was intended for.

How do I qualify for a Quick loan?

The requirements for a quick cash loan are very straightforward. You need to be a citizen of New Zealand and over the age of 18. You must be permanently employed.

You will need to show that you have a stable income and that you can afford the payments on the loan.

Once you have proven that you are not a high-risk client the lender will allow you to borrow more money for a longer period of time the next time that you apply.

Benefits of a Quick cash loan

  • You are able to apply for the loan online 24 hours a day 7 days a week
  • There is no need to visit a branch or speak to a consultant in person
  • The application process is simple and straightforward
  • You can upload support documentation directly from the website and approve a credit check with just a click of a button
  • The system is paperless and hassle-free
  • There are no restrictions associated with the loan
  • The personal loans is paid directly into your bank account the same-day that you apply
  • You can use your loan to improve your credit score

Quick cash loans are an excellent way to pay for emergency expenses or for when you need money in a hurry for a time-sensitive deal. If you are struggling to make ends meet or need a helping hand, then apply today and find out what options are available to help you gain a better financial future.

Quick cash 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.

List of direct lenders offering Quick loans

  1. Future Finance Quick cash loan

    Future Finance

    • Loans up to $80,000
    • Term up to 5 years
    • Interest from 9.95%
  2. Finance Now Quick cash loan

    Finance Now

    • Loans up to $20,000
    • Term up to 60 months
    • Interest from 12.95%
  3. QuickCash Finance Quick cash loan

    QuickCash Finan...

    • Loans up to $5,000
    • Term up to 156 weeks
    • Interest from 29.99%
  4. Loansmart Quick cash loan


    • Loans up to $30,000
    • Term up to 120 months
    • Interest from 8.95%
  5. Geneva Finance Quick cash loan

    Geneva Finance

    • Loans up to $50,000
    • Term up to 60 months
    • Interest from 8.95%
  6. Alternate Finance Quick cash loan

    Alternate Finan...

    • Loans up to $15,000
    • Term up to 3 years
    • Interest from 13.95%
  7. Pioneer Finance Quick cash loan

    Pioneer Finance

    • Loans up to $100,000
    • Term up to 7 years
    • Interest from 11.95%
  8. Crester Credit Quick cash loan

    Crester Credit

    • Loans up to $15,000
    • Term up to 3 years
    • Interest up to 24.16%
  9. Real Finance Quick cash loan

    Real Finance

    • Loans up to $20,000
    • Term up to 36 months
    • Interest from 9.95%
  10. Simply Loans Quick cash loan

    Simply Loans

    • Loans up to $200,000
    • Term up to 48 months
    • Interest from 5.03%
  11. Cash Converters Quick cash loan

    Cash Converters

    • Loans up to $3,000
    • Term up to 12 months
    • Interest up to 49.95%
  12. Money Shop Quick cash loan

    Money Shop

    • Loans up to $20,000
    • Term up to 3 years
    • Interest from 29.95%
  13. Save My Bacon Quick cash loan

    Save My Bacon

    • Loans up to $5,000
    • Term up to 52 weeks
    • Interest up to 49.95%
  14. Cantwait.com Quick cash loan


    • Loans up to $2,000
    • Term up to 15 weeks
    • Interest up to 49.95%
  15. Admiral Finance Quick cash loan

    Admiral Finance

    • Loans up to $50,000
    • Term up to 5 years
    • Interest from 13.95%
  16. Rapid Loans Quick cash loan

    Rapid Loans

    • Loans up to $10,000
    • Term up to 36 months
    • Interest from 39%
  17. Seed Cash Quick cash loan

    Seed Cash

    • Loans up to $5,000
    • Term up to 1 year
    • Interest up to 438%
  18. Instant Finance Quick cash loan

    Instant Finance

    • Loans up to $20,000
    • Term up to 36 months
    • Interest from 19.95%
  19. Ferratum Quick cash loan


    • Loans up to $1,000
    • Term up to 45 days
    • Interest up to 227%
  20. Chequers Finance Quick cash loan

    Chequers Financ...

    • Loans up to $1,000
    • Term up to 6 weeks
  21. Handy CASH Quick cash loan
  22. Plej Quick cash loan
  23. Cash Train Quick cash loan
  24. Pretty Penny Loans Quick cash loan

    Pretty Penny Lo...

    • Loans up to $1,000
    • Term up to 8 weeks
    • Interest up to 365%
  25. Fair Finance Quick cash loan

    Fair Finance

    • Loans up to $50,000
  26. Just Cash Quick cash loan

    Just Cash

    • Loans up to $3,500
    • Term up to 45 days
    • Interest up to 182.5%
  27. Simple Cash Quick cash loan

    Simple Cash

    • Loans up to $3,500
    • Term up to 30 days
  28. Loans 2 Go Quick cash loan
  29. Auckland Loans Quick cash loan

    Auckland Loans

    • Loans up to $20,000
    • Interest from 13.95%
  30. Cash2u Quick cash loan
  31. NZ Credit & Loans Quick cash loan

    NZ Credit & Loa...

    • Loans up to $30,000
    • Term up to 5 years
    • Interest from 15.95%
  32. Budget Loans Quick cash loan

    Budget Loans

    • Loans up to $50,000
    • Interest from 19.95%