Payday Advance NZ, a trading name of The Lending Room Limited, welcomes you to this website. These Terms and Conditions are to be read in conjunction with our Privacy Policy. By viewing the pages of this website, you acknowledge that you have read and accepted these terms.
Payday Advance NZ reserves the right to update or amend these Terms and Conditions without notice at any time. Your continued use of the website or services following any changes shall be deemed to be your acceptance of such change. It is a condition of your use of this website that you observe these Terms and Conditions at all times. It is your responsibility to check these Terms and Conditions regularly for any changes.
The products and services described on this website are available only to people living in New Zealand. Payday Advance NZ regrets that it cannot accept applications from persons other than New Zealand residents. The information contained on this website has been prepared under New Zealand law for the supply of products and services in New Zealand only.
To be eligible to apply, you must meet all of the following criteria:
Please note that our lenders require a specific credit profile to proceed. As a result, we are currently unable to assist all applicants with adverse credit histories.
All applications for credit are subject to The Lending Room Limited and the relevant lender's lending criteria as applicable at the time of application. No information on this website is intended to constitute an offer to enter into any transaction, the promotion of any product or service, or to provide the basis of any credit decision.
All online applications are subject to verification of information. If it is shown that information has been falsified, Payday Advance NZ may at its discretion refer your application to the appropriate authorities. Furthermore, Payday Advance NZ can only accept applications from those over 18 years of age and will take steps to verify the identity of each applicant.
As part of our commitment to compliance with the Credit Contracts and Consumer Finance Act (CCCFA), Payday Advance NZ provides transparency regarding our finance partners' interest rates, fees and contract terms. Below are links to our lending partners' respective pages where you can access their rates, fees and contractual information.
| Finance Partner | Interest Rates and Fees | Contract Terms |
|---|---|---|
| Avanti Finance | View Rates and Fees | View Contract Terms |
| Oxford Finance | View Rates and Fees | View Contract Terms |
| Finance Now | View Rates and Fees | View Contract Terms |
| Aotea Finance | View Rates and Fees | View Contract Terms |
| Jade Finance | View Rates and Fees | View Contract Terms |
| Financial Holdings | View Rates and Fees | View Contract Terms |
| Personal Loan Corp | No online presence | No online presence |
| AKF Finance | No online presence | No online presence |
| MTF Finance | View Rates and Fees | View Contract Terms |
| Nectar | View Rates and Fees | View Contract Terms |
| Pioneer | View Rates and Fees | View Contract Terms |
If you have any questions regarding the terms, rates or fees of any of our finance partners, please contact us for clarification. We encourage all applicants to review these details carefully before entering into any financial agreement.
While Payday Advance NZ has taken every care to ensure that the information contained on this website is complete and accurate, it does not represent or warrant the accuracy or completeness of any information on this website or that this information is suitable for your intended use.
Payday Advance NZ accepts no responsibility or liability arising from or in connection with your use of this website and the information contained on it. We reserve the right to change any information available on this website at any time without notice. However, any changes will not affect any contract that you may have with us. Payday Advance NZ strongly recommends that you seek independent advice before acting on any information on this website.
Links to third party websites that are controlled and maintained by other entities may be provided on this website. Any link to other websites is not an endorsement, affiliation or association of such websites. You acknowledge and agree that Payday Advance NZ is not responsible for the content or availability of any such sites. If you decide to visit any linked site, you do so at your own risk.
Payday Advance NZ and The Lending Room Limited hold all copyright and other intellectual property rights in this website and its contents and reserve all rights. You may electronically reproduce and store the contents of this website solely for your own personal use. You may not display or distribute the content of any of these pages in public or where the content is accessible to the public without prior permission.
Any infringement of intellectual property rights will be fully enforced under New Zealand law.
Information transmitted over the internet is inherently insecure. However, Payday Advance NZ provides encrypted application forms to ensure the security of your personal information. Once we receive any personal information from you, we will hold that information securely and will only use it to provide services to you and for statistical purposes. Please see our Privacy Policy for further information regarding website security.
Payday Advance NZ will not be liable for any indirect or consequential loss or damage whatsoever, including without limitation loss of business, opportunity, data or profits, arising out of or in connection with the use of this website as permitted by law.
Content and information on this website may contain inaccuracies and typographical errors. Payday Advance NZ does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed through the site. You acknowledge that any reliance on any such opinion, advice or statement shall be at your sole risk.
This website and these Terms and Conditions are governed by and are to be interpreted consistently with New Zealand law. Any disputes arising out of the same shall be resolved by the exclusive jurisdiction of the Courts of New Zealand.
If you have any questions or comments about these Terms and Conditions, please contact us:
| hello@maranello.nz | |
| Phone | 09 928 6806 |
Last updated: March 2026
