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 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 – subject to responsible lending inquiries and checks.