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AdvancedCash Payday Loans

Get cash in hand in as little as 15 minutes with an AdvancedCash short term loan.


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Auckland-based lender AdvancedCash specialises in bad credit loans for Kiwis who need extra disposable income before their next payday. You can borrow up to $5,000 with a quick online application.

With an AdvancedCash loan, you have the flexibility to get the exact loan you need with terms ranging from 4 to 28 weeks. A fast payment option can give you assess to your funds in as little as 15 minutes. Read on to find out if you qualify for an AdvancedCash short term loan.

finder does not currently have access to this short term loan provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

Compare loans on offer from AdvancedCash

Name Product Max Loan Amount Loan Term Turnaround Time Loan Interest Establishment Fee Account Administration Fee
AdvancedCash Small Cash Loan
4-28 weeks
Same day
292% p.a
AdvancedCash Medium Cash Loan
4-28 weeks
Same day
255.5% p.a
AdvancedCash Large Cash Loan
4-28 weeks
Same day
167.9% p.a

Compare up to 4 providers

Types of loans from AdvancedCash

AdvancedCash offers loans ranging from $300 to $5,000 for a period of 4 to 28 weeks. You can calculate the cost of your desired loan on the AdvancedCash website. Choose your loan term based on your ability to make repayments and your cash needs.

There are three different types of AdvancedCash loans and interest rates vary based on the loan terms:

  • Small Cash Loan – $300 to $1,500
  • Medium Cash Loan – $1,600 to $3,000
  • Large Cash Loan – $3,100 to $5,000

Why should you consider taking out an AdvancedCash short term loan?

Loans from AdvancedCash are quick to apply for and can easily meet your borrowing needs.

AdvancedCash offers the following features for short term loans:

  • Quick cash. Your can have your funds in as little as 15-30 minutes after loan approval for a fee of $8.
  • Bad credit options. Having a low credit score will not disqualify you from getting a loan with AdvancedCash, provided you are able to demonstrate a current ability to pay back your loan.
  • Flexible loan terms. You can take out your loan from 4 to 28 weeks depending on how much you want to borrow, allowing you to tailor your loan to your financial needs.
  • Low minimum amount. A low minimum loan amount of just $300 means you won’t have to use a credit card for small unexpected expenses.

How much will it cost you to borrow from AdvancedCash?

All specific fees and costs will be included in your loan contract. Loans from AdvancedCash have an associated establishment fee of $0 to $150.

Are AdvancedCash loans safe?

AdvancedCash is a Registered Financial Services Provider and member of the dispute resolution scheme Financial Services Complaints Limited. The lender guarantees complete confidentiality of all of your personal and financial information. AdvancedCash can be contacted during business hours at 0800 232 274.

How to apply for a short term loan from AdvancedCash

Applying involves the following steps:

  1. First-time customers can fill out the AdvancedCash online application.
  2. Returning customers can apply via SMS or by phone during office hours at 0800 232 274.
  3. Upload bank statements.
  4. Wait for approval via text.
  5. Receive funds the same day, or in as little as 15 minutes for an additional fee.

To be eligible for an AdvancedCash loan you must:

  • Be 18 years or over.
  • Be a NZ/AU citizen, resident or holder of a valid work visa.
  • Have been employed with the same employer for at least three months.
  • Have valid NZ license or any passport.
  • Earn a minimum of $300 per week.
  • Have access to Internet banking, email and a mobile phone.

Frequently asked questions

Seed Credit Limited is registered with the Registrar of Financial Service Providers. Their registration number is FSP423226.

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