Apply for a Payday 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)

Instant Loans

What is meant when you hear the words "instant loan"? These are loans which you can get very quickly online. The decision itself happens shortly after you submit your application. In some instances, paperwork may be requested, but typically loans will be processed in hours, sometimes same day. If time is of the essence in receiving a loan, because you have a pressing need for an fast loan and are unable to rely on friends or family to help your situation, apply for a payday loan through Payday Today. The sooner you submit your application, the faster you will receive a decision on funding your request.

How fast are they?

How quickly can you expect to receive a loan if you submit an application today? We try to get you an answer as immediately as possible, though whether or not you can get a same day loan or next day loan (or not qualify at all), will depend on your particular situation. Things which are considered are your work history, current employment, whether you receive benefits, the amount you are requesting and your credit history. That is not to say your credit will be checked, in some cases it might but in others there will be no credit check loans. It depends on how much money you are requesting and which of the lenders we work with decides to fund your loan.

We work with several lenders who have different criteria on how they will lend money. Some require credit checks, others do not. Many place a larger emphasis on whether you are employed, and for how long. If you are unemployed, they may consider your benefits status. These all become factors in varying degrees in your loan application process.

Following is more information about getting instant loans in NZ:

  • Instant Payday Loans

    Are you employed and wish you had next week's paycheque today? Get a beneficiary loan by clicking the apply now button above and submit your application. If you are employed, you should be able to get a loan even if you have bad credit. They are called "payday loans" because you typically repay the loan back once you receive your next pay cheque.

  • Loans for Beneficiaries

    Do you need an beneficiaries loan because you are receiving some type of income from fixed payments, but need that money sooner? Consider then applying for an instant loan for benefits. Receive a quick decision by submitting your application today -- if accepted the loan will be transferred to your bank account very fast.

  • Guaranteed Loans

    What does it mean to get a guaranteed instant loan? Not everyone will qualify for a loan. It is impossible to guarantee that everyone who applies wll receive a loan. It is important then to get a loan from a company with high acceptance rate. If you are employed or receive benefits, you can receive a guaranteed quick decision on whether you qualify for a short term loan. Submit your application for a fast decision today!

  • Loans for Bad Credit

    Most people who are in need of a payday loan have bad credit. If their credit was better, they would usually qualify for a much cheaper loan from a conventional lending source, such as a bank. There are some benefits, however, to getting a higher interest payday loan. The first is speed of getting one -- you can typically qualify for getting a payday loan within 24 hours of having submitted your application (and perhaps followed up with documentation if requested). The higher interest rates paid for this type of lending covers the risk associated with providing NZ bad credit loans.

How to Apply for an Instant Loan

It is free to apply, and it only takes a few moments to submit an application for an instant loan. Payday Today has helped thousands of people get the quick loans they need to provide for temporary cash emergencies. Submit your application for a poor credit loan with us today!

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)

Warning: Late repayment can cause you serious money problems. For Help and Advice with money trouble, visit http://www.familybudgeting.org.nz