Apply Now

Apply Now with Bad Credit Cash LoanThat’s right - apply now online, save yourself the hassle of going to the bank or a loan store. Our application process can be completed from the comfort of your home or office.

We aim to have the loan application processed the same day as it is submitted so your loan can be deposited into your bank account overnight or within 30 minutes after the final approval.

Once you have applied online, you will receive an email with the loan agreement. Follow the steps from there and you could find yourself with instant cash finance.

Fill your details in the application form below.

 

EMPLOYMENT / LOAN HISTORY
Are you employed? Yes No
Have you been employed with the same employer for 6 months or more? Yes No
Do you receive wages / salary in excess of $350 per week (after tax)? Yes No
Are you 18 years and over ? Yes No
Are you a NZ resident or citizen? Yes No
Are your wages or salary direct deposited into your bank account? Yes No
Are you currently bankrupt, under a summary instalment order or a no asset procedure? Yes No
 
RECEIVING YOUR ADVANCE
Select your payment option:
Cleared funds into you bank account overnight
      (Working days only, no fee applies)
Cleared funds fast transferred to your bank account in 30 minutes following final approval ($15 fee applies). Click for list of applicable banks and conditions on timing of funds to you
AUTHORISE CHECKS
By selecting yes to one or more of the below checks you will be eligible to receive a reduced interest rate.
Consent to Credit Check Yes No
(approx 1/12th discount of interest rate)
Consent to Employer verification with your payroll officer Yes No
(approx 1/12th discount of interest rate)
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YOUR PAY AND LOAN DETAILS
Amount you receive each pay (after tax) This is amount after tax including any benefits received. 
How often are you paid Weekly Fortnightly Monthly This is your pay frequency. If paid monthly you will need to repay your Loan in full next pay day. 
Max amount you are eligible for This is your maximum first loan amount until you build a credit history with us. 
How much do you wish to borrow? This amount you wish to borrow cannot be more than the maximum advance allowed. 
Your repayment period is instalments
When is your next pay date? This date is important, we use it so that we can align your payment with your payday. 
 
EMAIL DETAILS
Enter your email address to send your loan documents
Email
Confirm Email
     

 

- Cleared funds into your account overnight
(No fee applies but your signed loan documents and supporting information must be received by 5pm Monday to Friday (excluding bank holidays) otherwise payment may not occur until the following working day.)
- Cleared funds paid you bank account in 30 minutes following final approval, working days only between 9 am and 4.30 pm.
(A $15.00 fee applies to this option and is only available with the following banks: ASB, ANZ, National, BNZ, HSBC and Kiwibank)
 

Please note:
If you have selected payment by cleared funds paid into your bank account in 30 minutes and your bank account is with one of the above banks, then we undertake to make the payment to you within 30 minutes of approving your loan application (normally payment occurs much faster than 30 minutes).

The above banks should promptly credit your account with the funds we have transferred. This may take a further 60 minutes or so from our transfer - but again often occurs sooner. Should you not receive your payment within 90 minutes of us advising you we have approved your loan and made payment, please contact your bank.

We cannot control the speed at which your bank credits you account with the cleared funds we provide them and we cannot be responsible for things outside our control, for example technology problems or bank delays.