09 928 6800
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Apply in 5 minutes and get approved the same day

One application. One soft credit check. We match you to the right lender from our panel of 20+ vetted NZ lenders. Our team walks you through everything before you commit.

One application. One soft check from us. Applying to multiple lenders directly leaves a hard enquiry mark each time. We assess you with a soft check first, then send your application only 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 $1,000 to $250,000
  • No obligation. No score impact from our check.
  • Same-day funding for approvals before 12pm
  • 4.9 on Trustpilot from 1,070+ Kiwis
Responsible Lending Code member
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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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Applications processed by Lending Room

*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 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.