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)

Get an Unsecured Loan in NZ

What is an unsecured loan? It is a type of emergency loan you get when you are not putting collateral up as protection for the lender, should you not repay the loan. This means you will not have to sign over the title to your vehicle, or use your home as security in order to get the loan. This type of loan is riskier to issue than a secured loan which includes collateral.

Unsecured Payday Loans

If you are employed, you can get an unsecured loan. Because you are employed, and because you are paying a higher amount of interest or fees, payday lenders issue beneficiary payday loans NZ without needing collateral, as they consider their risk covered by the higher rates. A payday loan is an advance on a person's income, where a smaller amount of money is borrowed for a short period of time, until they repay it with a future pay cheque from their employment.

Following is more information on getting an unsecured loan in NZ:

  • Unsecured Loans for Benefits

    If you are on benefits, you may be able to qualfiy for a loan, even if you're unemployed. There are many types of beneficiary loans, including benefits from the government, being the beneficiary of a will, receiving structured payments as part of a court settlement and other similar scenarios. If you are the recipient of benefits, consider applying for a loan today if you are in a financial emergency and have nowhere else to turn.

  • Quick Unsecured Loans

    If you are faced with a deadline or are in need of immediate cash to resolve a financial problem, get a payday loan which is unsecured. They typically cost more, but are less of a hassle to obtain and can be received more quickly -- as these types of loans are usually issued within 24 hours after your application is guaranteed approved.

  • No Credit Check Unsecured Loans

    Most no credit check loans are unsecured. The reason they are issued is that a lender has verified your employment or status of receiving benefits. Payday lenders understand that the majority of people in need of a payday loan have bad credit.today. Many people do not want a credit check because they feel their credit is too poor to qualify for one. If that's the case, don't worry -- payday lenders understand that people who apply for this type of loan typically have bad credit.

  • Unsecured Loans for Bad Credit

    If you think you have bad credit, it may prevent you from applying for a loan that you desperately need. Understand that most payday lenders are more interested in your employment or being the recipient of benefits than your credit history. Many don't even check your credit. We are an appointed introducer, and as such we work with many lenders to secure a loan for you. Some may be turned off by bad credit, while others will take a chance to issue bad credit payday loans to someone with poor credit. The best way to know whether you qualify to borrow is to submit your application today, it's free!

How to Apply for a Quick Loan

It is free to apply, and it only takes a few moments to submit an application for a quick loan. Payday Today has helped thousands of people get the loans quickly when they are in need of urgent fast cash. 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