How it works?

Follow this easy 5-step online process to receive your personal loan.


Step One:

See If You Qualify

To qualify for a Pay Today online loan you need to:

  • Be at least 18 years old
  • Live in New Zealand
  • Receive regular pay, by electronic transfer to your bank account
  • Have access to a computer and your own email account
Use our loan calculator before you start your application to find out how much you should borrow.

Step Two:

Filling in the application form

Once you have used the calculator the next step is to fill our easy-to-use online application form that allows to gather information we need to make a decision.

As our application process is 100% online, we would recommend that you give yourselves at least 5-7 minutes to complete your application. If you have any question about the process feel free to call us on 0800 or visit our FAQ page.

Step Three:

Verifying Your Details

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

In the event we can’t verify these details, we may need you to fax or email bank statements, payslips or other supporting documents.

Step Four:

Receiving Your Money

Once your loan is approved, the funds are transferred directly in to your bank account.

Payment can be made on the same day if you bank with one of these Same Day Payment Capable Banks: ANZ, ASB, BNZ, Kiwibank, National Bank, TSB and Westpac. The loan process must be completed before 3pm, Monday to Friday.

Step Five:

Paying it Back

It’s easy! The repayments will automatically be deducted from your bank account on the agreed date/s.

Please make sure enough funds are available on the agreed repayment date/s, or default fees will apply.
For more information see our Interest & Fees page.

To begin your application, click the apply now button