Getting money 

is now as easy

as spending

         CALL US NOW

0800 729 863

Please note: The above calculation and its repayment is true for the example selected. Results will vary depending on term, fees and borrowing amount. The actual interest rate charged will depend on your personal circumstances, type of lending and security provided. Normal lending criteria, terms, conditions and feed apply.

Approval time

Our online service provide fast, easy solutions to your short-term cash flow needs

Account Manager

A dedicated Account Manager will guide you through the whole process

Responsible Lender

We are a responsible lender. We won’t lend what you can’t afford to repay

How it works

Follow these easy steps to get money

Fill in an application form

Make a request and get a reply within the same business day.

Your Account Manager will contact you to clear up the details

Once we have received your application, your Account Manager will contact you to run some checks on the information provided.

Receive your money in the most

convenient way

Once your loan is approved, your account manager will discuss fund transfer options that is convenient for you.

PayToday is the right choice for you if:

you are 18 or older

The minimun age to use our service is 18.

you are a new zealand citizen or resident

you have a bank account

you need an active bank account to allow the money

you are honest and trustworthy

You deffinitely have to be a nice person 🙂

you have access to a computer and own email account

Must have access to email for application processing and ongoing communication

you have a regular income

You must receive regular pay, by electronic transfer to your bank account.

What makes us different

Online Application

Apply online now for a paper-free and hassle-free experience



Fast payouts

Once your application has been approved your account manager will contact you to have the funds transferred at the earliest

Open, honest and fair

Our loans contain no hidden fees. We let you know all the charges before you apply. Click here to see out charges

Need some help?

Have a look into some key topics related to debt so you can make better choices.

What customers are saying

Hear what our customers are saying