Rating based on 1,352 reviews


My New Zealand Payday

About My New Zealand Payday

No one likes to be taken for a ride and, when it comes to lending most customers feel that their bank is doing just that.

When you use My New Zealand Payday you can rest assured that regardless of your credit status you will be approved for a payday loan.

Get out of a tight spot

Our personal micro loans are designed to offer people a fast way to get out of a cash shortage. They are not designed for prolonged usage and are amongst the most convenient and quick cash loans in the New Zealand lending market.

What My New Zealand Payday can offer you

If you need an emergency loan of between $100 and $1,500 My New Zealand Payday can offer you a short-term loan - 100% online.

Although we are a payday lender - we are registered with the NZ government and abide by a strict code of conduct - so you can rest assured that we're reliable.

Unbelievable simple and quick loan application

If you're looking for a quick cash loan online - My New Zealand Payday's loans are just the right solution. You simply select your loan amount and loan term, fill in a quick application form and upload your supporting documents and we will then process your request and send you the money.


Interest Rate

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Repayment Term

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In a Nutshell

  •  Average processing time 30 minutes
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment


We're a flexible lender and it shows

People who have bad credit cannot access personal loans from banks but, at My New Zealand Payday, we still consider their applications as we would anyone else.

Regardless of your credit history, we will be able to assist you with a small loan - simply visit our site to make your application.

Making your online application

To apply for a payday loan quickly all you need to do is visit our website, navigate to the application page and fill in the form. This should take you only 5 minutes and is simple since we have made use of drop-down menus to make the completion easier and quicker.

Technology to your aid

One of the wonders of modern technology is that it has made most processes more efficient and convenient for all parties involved. We have embraced technology completely in our application process in order to ensure that our customers receive the most convenient treatment possible. If you have a Smartphone, Tablet or personal computer you can apply whenever and wherever you are. If you are at the bar with some friends simply visit our website on your Smartphone. If you are lying in bed with your laptop you can get the finance that you need within a few clicks. The beauty of it is that if you are approved you are under no obligation to sign. Do what is right for you and your family – make the smart choice today.

Payments scheduled to the rhythm of your income

When it comes to lending we are very customer-centred. This means that all of our operations are organised around the needs and preferences of our customers. That implies that our loans are not only versatile but also extremely flexible. We give our customers full control over the amount that they can borrow as well as the term over which they can repay the amount. Also, receive the freedom of choice to be able to make additional payments or repay your loan in full at no extra cost.


Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Credit check
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Payday Loans

Customer Reviews & Testimonials

Opening Hours

  •  Monday 08:00 – 20:00
  •  Tuesday 08:00 – 20:00
  •  Wednesday 08:00 – 20:00
  •  Thursday 08:00 – 20:00
  •  Friday 08:00 – 20:00
  •  Saturday 08:00 – 20:00
  •  Sunday 08:00 – 20:00