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)

What are Short Term Loans?

They are loans for people who need money quickly, yet do not anticipate borrowing over a long period of time. They are also called payday loans for people who are employed, and beneficiary loans for people on benefits. While they can be convenient and quickly obtained, they typically have a higher cost associated with them in terms of higher APR interest. However, it is completely free to apply.

Many types of benefits may qualify you for a loan -- including government benefits, scheduled payments from a will or trust, received payments from court settlements and other types of income one wouldn't typically consider as "employment". If you are currently receiving any of these, or are employed, and you need quick cash -- we encourage you to submit your application.

Short Term Loans For People in NZ

There are many reasons people may have an emergency need for immediate cash. Some examples include a car needing emergency maintenance, unexpected bills, being short on food prior to one's next pay cheque, etc. Below are some examples of loan types people may want to borrow, with hypothetical amounts they could receive:

Payday LoansAmount
Cash Loans$100
Beneficiary Loans$200
Quick Loans NZ$300
Same Day Loan$400
Guaranteed Loan NZ$500
Short Term Bad Credit Loan$600
Short Term No Credit Check Loans$700
Unsecured Short Term Loans$800
No Security Short Term Loans$900
Fast Short Term Loans$1000

Short Term Beneficiary Loans

If you are on benefits -- government benefits or some other type of non-employment income, you can qualify for a this type of beneficiary loan. Loans for people on benefits are available if a person receives beneficiary income from the government, payments from a will or trust, income from court settlement and other types of income not generally associated with being "employment". These are helpful in a financial crisis to help you through until your next beneficiary cheque.

Payday Advance

What is a Payday Loan? They are a form of credit given to people who need money quickly, based on repayment from their employment cheque. If you wish to learn more about advance loans here, and if you want to get one you can click the apply button and submit your application. It is free to apply, do so today if you need a loan in NZ.

Payday advances are typically easier to get than conventional loans if your credit is not perfect, or if you are on a tight schedule with a bill pending. They are repaid when you receive your next payment cheque, or if you are on benefits -- when you receive your next benefits check.

Unsecured Loans

There are two basic types of bad credit loans: secured and unsecured. An unsecured bad credit loan means that borrowers sign a contract and promise to repay their loan according to the terms and conditions of their loan. Technically, a payday loan is an unsecured loan.

You need money now, and it's as simple as that. Because things happen. Maybe a big expense popped up, maybe you need to pay off bills, or rent a moving truck to relocate for a job. And the amount you need isn't all that much—500 dollars, or maybe a thousand. A bad credit loan is a type of personal loan offered to borrowers with weak, bad, or no credit. There are many different loans and many different types of financial institutions that offer them—banks, credit unions, and online lenders, among others.

Short Term No Credit Check Loans

Many people wonder if a proper credit check must be performed in order to get a loan. They fear they will not qualify to receive a loan if one is performed because they feel their credit history wouldn't warrant it. Do we provide short term no credit check loans? It depends on your situation whether a credit check will be performed. As loan introducers, so we match your loan application to several NZ registered lenders may be interested in lending to you. They may or may not check your credit, depending on how much money you are asking for, where you work, how much your benefits are and many other situations.

While they do not always provide loans with no credit check, if your concern is that you wouldn't otherwise qualify, consider submitting your application anyway. It is free to apply, and you can submit your application within a few moments. If your application is approved, the funds will immediately be forwarded to your bank account.

Bad Credit Short Term Loans

Many people believe their credit will not qualify them for a loan, when actually it will. Understand that payday loans are far more expensive than typical conventional loans, as from a bank. As such, the risk of lending to people with bad credit is somewhat built into the price charged in APR interest. While the loans are more expensive, merely submitting your application has no charges associated with it. People who lend out bad credit payday loans have different criteria they look for when compared to banks. If you repay your loan in a timely fashion, it will actually improve your credit score.

Get a loan through Payday Today, and submit your application if you have bad credit but still need an emergency loan. By submitting your application through our website, we will introduce your loan to many bad credit lenders who are interested in funding your loan request. Get a short term loan today to help resolve your financial crisis.

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