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Remember, past bad credit or no credit history may still be okay.
We look mainly at your current ability to repay the loan.

  • Apply Online

    Complete our basic online application. The application is short and secure.
    You will need your mobile phone handy to receive our validation code.


    Send us 90 – 180 days of your latest bank statements, a recent proof of address, a valid photo ID and a Selfie.


    Your application will be fully assessed by our lending team for a decision. The outcome of your application will normally be given to you within 45-60 minutes once we receive all of your supporting documents.


    The cash is transferred directly into your bank account. If approved, get cash deposited overnight, or within 30 minutes* if you choose our fast payment option.

* The 30 minutes fast payment option is only available on our ‘Restart‘ loans.
Conditions and a small fee apply to this option if selected.



Fast Processing

Our processing team will go through your application as soon as they receive your supporting documents.


Online Chat

Customers can quickly check the status of their application with our chat facility.


Customer Service

Our customer service team are ready to assist customers from 8.30am to 5.30pm Monday to Friday


Responsible Lending

We will ensure that we will only approve your loan if we believe you have the ability to meet the repayments.


Returning Customers

Getting a repeat loan is simple. We can process your application even faster.


NZ govt Registered Provider

We are a NZ Govt Registered Financial Services Provider FSP298566.


Security & Privacy

We use 256bit encryption technology for communication. So the information is safe, secure and confidential.


User Experience

Customers find our website easy and intuitive.

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