Instant Cash Online

About Instant Cash Online

As one of the longest standing payday lenders in the country when you take out a loan online with Instant Cash Online, you know you're going to get fast approval and great service every time.

Whether you're a new or existing customer - we will meet your needs and exceed all your expectations.

Personalized Service Every Time

As an online lender in NZ you may think that we offer little in term of personal service but, this couldn’t be further from the truth. Our staff is experienced and dedicated to offering our customers a personalized service that a bank could never manage to achieve.

What Instant Cash Online can offer you

At Instant Cash Online you can get a payday loan of between $100 and $2,000 and we charge a flat rate which is 20% of the principal loan amount and $% of the principal loan amount as a monthly fee.

Our way of charging on our loans is different to that of our competitors and is more affordable for customers.

Taking Out your First Payday Loan

Taking out a fast loan for the very first time may be a little nerve wrecking but, with us you'll get through it in a quick and painless manner. Our customer service agents will answer all of your questions, verify that you've completed the application form correctly and explain our rates and procedure to you in full.

In a Nutshell

  •  Loan minimum NZ$100
  •  Loan maximum NZ$2,000
  •  Interest rate 20% of principal loan amount & 4% of principal amount per month
  •  Loan term minimum 16 days
  •  Loan term maximum 50 days
  •  Average processing time 2 hours
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment

If you're ready to complete the online loan application form then you can make your way to our application page.

Once you've filled in all the details necessary you can then upload the supporting documents. We will then check your details and perform a few affordability checks before approving your loan.

A Simple Online Application Process

Our short-term loan application form has been developed in such a way as to allow the customer to complete it quickly with as little stress as possible. When you use Instant Cash Online you can rest assured that your desired loan will be credited to your account quickly.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Active NZ bank account
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Instant Cash Loans

Contact Details

 Visit Website Apply Directly


 Physical Address

  • 133 Alexander Street, Crows Nest, NSW, Auckland, 2065, New Zealand

 Postal Address

  • PO Box 423, Matraville, NSW, 2036, New Zealand

Opening Hours

  •  Monday 09:00 – 17:00
  •  Tuesday 09:00 – 17:00
  •  Wednesday 09:00 – 17:00
  •  Thursday 09:00 – 17:00
  •  Friday 09:00 – 17:00
  •  Saturday Closed –
  •  Sunday Closed –