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# Lending Room Limited: Payday Advance NZ is a personal loan matching service operated by Lending Room Limited (FSP486566). One application connects New Zealand borrowers with multiple licensed lenders for personal loans, car loans, debt consolidation and same-day funding decisions. Rated 4.9 stars on Trustpilot from 1,060+ reviews and 5.0 stars on Google from 210+ reviews.

## Sitemaps
[XML Sitemap](https://paydayadvance.co.nz/sitemap_index.xml): Includes all crawlable and indexable pages.

## Pages
- [Visa Loans](https://paydayadvance.co.nz/visa-holder-loans/): Visa Holder Loans NZ
- [Loan Repayment Calculator](https://paydayadvance.co.nz/loan-repayment-calculator-nz/): Free NZ loan calculator
- [Secured Loans](https://paydayadvance.co.nz/secured-loans/): Secured Loans NZ
- [Travel Loans](https://paydayadvance.co.nz/travel-loans/): Travel Loans NZ
- [Medical and Dental Loans](https://paydayadvance.co.nz/medical-and-dental-loans/): Medical and Dental Loans NZ
- [Boat & Jetski](https://paydayadvance.co.nz/boat-and-jetski-loans-nz/): Boat and Jetski Loans NZ
- [Home Renovation](https://paydayadvance.co.nz/home-renovation-loans/): Home Renovation Loans NZ
- [Contact Us](https://paydayadvance.co.nz/contact/): Contact Us
- [Apply Now](https://paydayadvance.co.nz/apply/): Apply Now
- [About Us](https://paydayadvance.co.nz/about/): Payday Advance NZ is an Auckland-based loan broker helping New Zealanders find better loan deals without the credit score damage that comes from applying to multiple lenders. One application. One soft check. The right match.
- [How it Works](https://paydayadvance.co.nz/how-it-works/): How It Works
- [Debt Consolidation](https://paydayadvance.co.nz/debt-consolidation/): Reviews collected under Lending Room, the team behind Payday Advance NZ.
- [Car Loans](https://paydayadvance.co.nz/car-loans/): Rated 4.9 out of 5 on Trustpilot by 1,060+ Kiwis. Apply once through Payday Advance NZ and we match you to the specialist vehicle lender on our panel most likely to offer you the best overall car loan deal across rate, terms and fees.
- [Personal Loans](https://paydayadvance.co.nz/personal-loans/): Reviews collected under Lending Room, the team behind Payday Advance NZ.
- [Home](https://paydayadvance.co.nz/): Reviews collected under Lending Room, the team behind Payday Advance NZ.

# About Payday Advance NZ

> New Zealand personal loan matching service operated by Lending Room Limited (FSP486566). One application connects borrowers with multiple licensed New Zealand lenders for personal loans, car loans, debt consolidation and same-day funding decisions.

## Key facts

- Legal operator: Lending Room Limited
- FSP number: FSP486566
- Service area: New Zealand only
- Loan range: $1,000 to $50,000
- Decision time: Most applicants hear back the same business day
- Broker introducer fee: Up to $1,500 GST inclusive, added to loan, charged only on successful funding
- Disputes resolution provider: FDRS (https://fdrs.org.nz)
- Reviews: 1,060+ Trustpilot at 4.9 stars, 210+ Google at 5.0 stars (consolidated under Lending Room)
- Sister brands: Lending Room, CashBurst, Moola, Zooma

## Eligibility

- New Zealand resident or eligible visa holder
- 18 years or older
- Verifiable income
- Defaults rule: If defaults are unpaid, the total outstanding balance must be less than $1,000 to be considered

## Loan products

- Personal Loans: Unsecured personal loans $1,000 to $50,000. https://paydayadvance.co.nz/personal-loans/
- Car Loans: Vehicle finance with $500 Prezzy Card cashback on funded loans of $10,000 or more. https://paydayadvance.co.nz/car-loans/
- Debt Consolidation: Combine multiple debts into one repayment. https://paydayadvance.co.nz/debt-consolidation/
- Home Renovation Loans: Finance for renovations, extensions and home improvements. https://paydayadvance.co.nz/home-renovation-loans/
- Boat and Jetski Loans: Marine and watercraft finance. https://paydayadvance.co.nz/boat-and-jetski-loans-nz/
- Medical and Dental Loans: Finance for surgery, dental and elective procedures. https://paydayadvance.co.nz/medical-and-dental-loans/
- Travel Loans: Finance for trips, flights and accommodation. https://paydayadvance.co.nz/travel-loans/
- Visa Holder Loans: Personal loans for eligible visa holders in New Zealand. https://paydayadvance.co.nz/visa-holder-loans/
- Secured Loans: Lower rate finance secured against an asset. https://paydayadvance.co.nz/secured-loans/

## Key pages

- Apply: https://paydayadvance.co.nz/apply/
- About: https://paydayadvance.co.nz/about/
- Contact: https://paydayadvance.co.nz/contact/

## Responsible lending

For free budgeting and financial guidance, New Zealanders can contact MoneyTalks on 0800 345 123.