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Apply in 5 minutes and get approved the same day

One application. One soft credit check. We find the right lender from our panel of 20+ and you stay in control the whole way. Our team walks you through everything before you commit.

One application. One soft check from us. Applying to multiple lenders directly leaves hard enquiry marks each time. We review your profile with a soft check first, then send it to the lender most likely to get you the best deal.

Matched to the right lender, not blasted to all

Rates from 8.99% p.a. across 20+ NZ lenders

Borrow from $3,000 to $250,000

No obligation. No score impact from our check.

Same-day funding for approvals before 12pm

5.0 stars from 1,040+ Kiwis on Trustpilot and Google

What happens next

We review your profile with a soft credit check

We send your application to the lender most likely to get you the best deal

The lender assesses your application and may run their own check

Our team calls you with the offer and walks you through everything before you commit

Same-day on business days when we have everything we need

FSP486566 · FSPR Registered

Responsible Lending Code member

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Reviews collected under Lending Room — the team behind Payday Advance NZ

Start your application About 5 minutes · No score impact

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We run a soft credit check during our assessment. This does not affect your score. Once matched, some lenders accept our check while others may run their own.

Got questions? Call us on 09 928 6800

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*Rate and approval is subject to provider credit criteria. Lender establishment fees, terms and conditions apply.

By submitting this form you agree to our Terms and Conditions and Privacy Policy. Payday Advance NZ is operated by The Lending Room Limited, a registered financial services provider (FSP486566). We are a broker and do not lend directly. Rates from 8.99% to 29.95% p.a. (AIR). Establishment fee up to $450 and broker fee up to $1,500 may apply. Same-day funding subject to lender approval and bank processing times.