How it works

1. You complete and submit the online application
2. We assess your application, verify your photo ID and address and do a Credit Check
3. If your application is successful, we ask you to electronically sign a credit contract and direct debit form
4. Once we receive the signed documents we transfer the loan advance to your bank account

We consider your financial situation as it is today. If you have a bad credit history you still may be eligible.
Other qualification criteria include:
- You must be earning at least $450 per week after tax.
- Your pay must be electronically deposited in your bank account regularly.
- You must live in New Zealand.
- You must be at least 18 years old.
- You must have an active email account and mobile phone so we can communicate with you.

We will do our best to make sure you understand everything about your rights and obligations when you take out a loan. To help with this you will be provided with:

- A Credit Contract to sign which includes the rights and responsibilities for both you and us.
- The repayment amounts, terms, conditions, interest rates, and fees.
- The obligations that come with having a loan, and the results of not repaying it. The results of not repaying the loan might include a bad credit rating and extra collection fees.

We aim to provide a simple application process and easily understood terms, conditions, and contracts. For approved loans, the cash can be in your bank account today.