Apply for a Personal Loan

Representative example: APR 407.39%. If borrowed $1000 for 62 days, interest $692. Total amount repayable $1692. Interest rates: Maximum nominal APR of $1000: 407.39%. Rates from 278% to 1576% (3 – 12 month repayment)

Let Payday Today help you find a short term loan in NZ We will match you with a loan program that meet your financial need. Representative example: APR 407.39%. If borrowed $1000 for 62 days, interest $692. Total amount repayable $1692. Interest rates: Maximum nominal APR of $1000: 407.39%. Rates from 278% to 1576% (3 – 12 month repayment)

About Payday Today

We help you get a Short Term Loan

Payday Today is a credit broker and not a direct lender. We do not charge any fees. If you are contacted by anyone saying they are calling from Payday Today requesting you make them a payment, report it to the police immediately. We will never contact you asking for a payment.

Warning: Late repayment can cause you serious money problems. For Help and Advice with money trouble, visit

What are Personal Loans?

A personal, sometimes called "payday" loan is a type of borrowing that is typically over a short duration and repaid with a one time payment, or in a series of instalments spread over weeks or months. They are made available to people who are employed, hence "payday loan", and also to people who are benefits (fixed payments that arrive on a schedule).

Apply for a Payday Loan Today!

What Are Bad Credit Loans?

Getting the best loan when you have bad credit can be difficult. In order to maximize your chances of getting a loan, we work with many companies who could be interested in lending to you. Each of these companies are NZ Government Registered Financial Service Providers. While many companies may look at someone having bad credit as a disqualifying status, others focus more on employment or benefits an applicant may be receiving. The way to ensure you get a bad credit loan NZ is to submit your application with us. Our network of financial service providers provide a larger audience for your request.

What are Loans for Beneficiaries?

Beneficiary loans are for people who may or may not have a job, yet would like to borrow money based on fixed payments they receive. These payments may come from court settlements, a will, trust fund payments and other types of monies an applicant may receive on a fixed basis. Many lenders will evaluate beneficiary payments as a source of income that strengthens the case that you can afford a loan. Would you like to apply for a beneficiary loan? Click the "apply now" button today!

What are Personal Loans for Unemployed?

Are you unemployeed, yet still need to borrow money? One way that you may qualify for a loan, even if you don't have a job, is if you are receiving benefits. Your credit may play a larger factor if you are seeking a loan, yet are unemployed. It may be more difficult to receive an unsecured loan, yet you may still qualify if you have benefits or your credit isn't completely bad. In any event, it is free to apply. Click "apply now" to get a quick decision on whether you qualify.

What are "No Credit Check Loans"?

Many people who feel they have bad credit prefer to get a loan that has "no credit check". The primary reason for many of these individuals is that they are afraid that they will not qualify to get a loan. The answer is to get a payday loan, which is a type of loan that relies primarily on a person's employment or on their receiving benefits. If you are employed, payday loans may be a solution to your emergency financial crisis. These are known as personal loans. Click the "apply" button above and submit your application!

What are Guaranteed Personal Loans?

What are guaranteed payday loans? No loan can be guaranteed. However, it is free to apply. If you are experiencing a financial crisis, applying for a personal loan is the only way you're guaranteed to have a chance at getting one! If you need a loan and want guaranteed approval, apply with Payday Today and know that we will look over your application quickly and give you an instant decision on whether or not you wualify to receive a loan from the loan companies we work with.