How It Works

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Getting cash today from Cash Loan with three easy steps

Smiling young man carrying his beautiful girlfriend on his back with their hands outstretched Generally, New Zealanders do a good job at managing their finances but sometimes they need extra cash, and they need it urgently. If an unexpected expense appears out of nowhere, there is no need to get stressed. If you don’t have the funds to cover it with your next payday being days away, our service may be a great solution for your short-term money needs.

Easy steps to get a cash loan

We are offering this service to working New Zealanders with fixed regular income. Getting one is as easy as 1-2-3:

Apply for a cash loan online

The documents will be automatically generated by our sophisticated system and will be presented to you within a few minutes. Once you have registered with us, you will not need to enter any of your personal details again (unless they have changed).

Send the documents back

When you receive the e-mail with the loan documents, read them carefully, and if you are happy with the repayment amounts and our charges and fees, just follow the instructions. Then simply send us along your supporting documents – you can either fax them to 0800 001 477 or scan and e-mail them to service@cashloan.net.nz.

Receive the money

Once we have received all correct documentation, we endeavour to have an outcome within 45 minutes, and if your bad credit loan is approved, you could receive the money in your bank as an overnight deposit or within 30 minutes* if you choose our fast payment option.

* Conditions and a small fee apply to this option if selected.

Unsecured cash loans

What we are talking about is helping you through to your next pay cheque, paying that unexpected insurance claim or a medical bill. Our unsecured cash loans are calculated at a percentage of your regular pay, so are very manageable and won’t lock you into long term, expensive repayments – and we don’t need security, so rest assured that your assets will not be tied up to your loan.

Easy application process

If you would like to re-generate documents for a different amount of money or a number of repayments, simply go to the Returning Customer section of our website and do so using your customer number. You are welcome to apply as many times as you want – until you create the combination of repayments that better suits your short-term financial needs – and even then you will be under NO obligation to proceed, as we do not process any application unless we get all the required documents back.