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Personal loans have become popular in recent years. It is easy and fast to get a personal loan online. You may want to understand your financial situation and all the options available to you before applying for a personal loan.

Long-term loans are simple when compared with other types of financing. You could apply online from anywhere in New Zealand. To apply for a personal loan, complete our online application form and send us the supporting documents. If approved, cash will be transferred directly into your NZ bank account as an overnight deposit. Apply now to see how we could help you just as we have helped thousands of other Kiwis each month.

Unsecured personal loans

Turn away from freezing your valuable assets with expensive secured loans. With Cash Till Payday’s unsecured loans there is no need to put up your assets as collateral. We provide medium to long-term loans throughout New Zealand that could help you to overcome your cash shortfall.

Sometimes banks or other traditional lending institutions can’t provide you the financial aid you need, and building your credit could take a long time. Low credit scores could make it difficult and often impossible to get a loan elsewhere. If you have had poor credit in the past you may still be able to get an unsecured long-term loan from Cash Till Payday. We give hard-working Kiwis with past credit history challenges a chance to apply for a long-term loan, so they can have a second chance at improving their finances or credit scores and get their lives back on track.

Long-term personal loans

Our long-term personal loans could be used to consolidate other loans you may have, such as credit card debt or smaller payday loans into one easy-to-manage loan. Relatively lower monthly payments stretching out over a longer time, could help you to repay your debt without adding more stress to your current financial crisis.
You could use our long-term loans for

  • Wedding expenses – Popularly used for engagements, weddings and honeymoons.
  • Home remodelling – To remodel kitchens, install solar panels, put on a new roof or landscaping.
  • Moving expenses – To pay for moving and packing, cleaning or buying furniture.
  • Medical or funeral expenses – To pay for surgery or funeral arrangements.
  • Vehicle expenses – To buy a car or a boat and other related expenses.
  • Travel expenses – To buy tickets for luxury cruise and overseas holiday packages.

Taking out a long-term personal loan may seem like a quick fix, however debt could keep you from accomplishing your financial goals. Before applying for a loan please evaluate your current financial situation by completing a through budget to make sure you’re able to keep up with your repayments and that it will not place you in to any financial hardship. For more help with budgeting, visit our Budget Advice page.

For more information on any of our services, contact us at our Auckland location today and speak to one of our friendly, knowledgeable staff. Call us on 0800 227 484 or send us an email at and we’ll get back to you as soon as we can.

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