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Cash Till Payday Short Term Loans

Cash Till Payday offers short term loans helping you cover your expenses until your next payday.

Cash Till Payday aims to provide straightforward and quick loans, and will assess your application within an hour. Loans are even available for those with a bad credit score as loan applications are assessed based on your current ability to repay them, not on your past credit issues. Nevertheless, if you have a record of bankruptcy within the last 6 months, your application will be declined.

Approved applicants can expect their cash to be deposited overnight.

49.45% p.a

Loan Interest


Max Loan Amount

$350 per week (after tax)

Minimum Income


Product NameCash Till Payday $500 to $5,000 Loans
Loan Interest49.45% p.a
Max Loan Amount$5,000
Loan Term3-24 months
Turnaround TimeOvernight
More Info

⚠️ Warning: be cautious with short-term loans

If you're experiencing financial hardship and would like to speak to someone for free financial counselling, you can call the MoneyTalks helpline operated by FinCap on 0800 345 123. It is open from 8:00am to 5pm, Monday to Friday and 10am to 2pm Saturday. When comparing short term loans, ensure you take into consideration any fees, charges and rates you may be charged.

Alternatives to short-term loans

Consider these alternatives before applying for a payday loan:

  • Use online Government resources. The Commerce Commission New Zealand website explains how loans works and what to be aware of when borrowing from a lender.
  • Payment plans. Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan or receive an extension on your due date if you’re behind on payments.
  • Contact your creditors. Speak with creditors about extending the due date of your payment, or working out a new payment plan that works for both of you. Seek personal loans elsewhere. Consider a small personal loan from a bank or a credit union. You may qualify for a loan with much lower interest rates than those offered by payday loan companies.
  • Pay with credit card. Consider paying with your credit card to cover your emergency bills or payments. This is not a long term solution, as you’ll need to pay off the balance as soon as possible, but it’s an alternative to a short term loan with high – and immediate – interest rates.

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.

Types of loans from Cash Till Payday

Cash Till Payday offer loans depending on the amount you wish to borrow.

$500 to $5,000 Loans

  • 3-24 months
  • Must earn at least $350 per week after tax
  • Can be used for car repairs, unexpected medical bills or to pay off a more expensive loan

Features of a Cash Till Payday short term loan

  • Free overnight payment. If you apply during business hours, you are guaranteed to receive your payment overnight for free.
  • Available to those with poor credit. Past credit issues will not disqualify you from being eligible for a short term loan.
  • Applications approved within one hour. Cash Till Payday aims to respond to all applications received during business hours within one hour of receiving all required documents.
  • Low minimum amount. You can borrow as little as $500 and pay it back as soon as the next day.
  • Ability to make unlimited additional repayments. You can pay your loan as soon as you are able, Cash Till Payday does not charge a fee for making additional payments.
  • Flexible loan terms. Loans range from $500–$5,000 and can be repaid between 3-24 months, giving you the flexibility to tailor a loan to suit your needs.

How much will it cost you to borrow from Cash Till Payday?

Cash Till Payday collects loan repayments based on legal requirements. The lender will contact you in case of any missed payments. Keep in mind, repaying your loan on time may positively affect your credit score and late or missed payments may negatively affect your credit score. The specific terms of your loan including interest rates, costs and fees will be specified in your loan agreement.

$500 to $5,000 Loans

  • Approximate annual interest rates from 49.45% p.a
  • Establishment fee of $90
  • Monthly administration fee of $10

    Additional fees may include:

    • Loan change fee – $30
    • Dishonour fee – $10 per missed payment
    • Reminder letter fee – $5 per letter
    • Wage assignment fee – $30 per lodged request
    • Credit agency fee – $20
    • External collection fees – as incurred

      Are Cash Till Payday loans safe?

      Cash Till Payday is a registered Financial Services Provider (no. FSP298566). The lender claims to have complete transparency when it comes to their loans by providing all information regarding fees and repayment upfront. Cash Till Payday ensures the safety of online bank verification through data encryption.

      How to apply for a short term loan from Cash Till Payday

      Applying involves the following steps:

        1. Fill out an application form online.
        2. Receive a mobile verification code.
        3. Email three of your latest bank statements, proof of address, valid photo ID and a selfie.
        4. Wait up to one hour for your application to be assessed.

      In order to be eligible for a Cash Till Payday short term loan, you must meet the following criteria:

      • Be at least 18 years old and a NZ citizen or resident.
      • Have been permanently employed with the same employer for at least three months.
      • Earn at least $350 a week after tax.
      • Not be currently bankrupt.
      • Have access to the Internet and a mobile phone.

      Frequently asked questions

      Zethus Holdings Limited is registered with the Registrar of Financial Service Providers. Their registration number is FSP298566.

      Compare payday loans from New Zealand lenders

      Name Product Max Loan Amount Loan Term Turnaround Time Loan Interest Establishment Fee Account Administration Fee
      Moola Loan
      90 - 182 days
      Often available in under 60 minutes
      292% p.a.
      (fixed for the term of the loan)
      Eligibility: Be 18 or over, be in employment and be a New Zealand citizen, permanent resident or have a valid working visa.
      Borrow up to $1,500 and enjoy a flexible repayment plan.
      Save My Bacon Flex Loan
      12-36 months
      Same day
      49.95% p.a
      Eligibility: Be 18 or over, have an income of at least $400 per week and be a NZ citizen, permanent resident or have a valid work visa.
      Medium term loans from $2,000 to $5,000 with no hidden fees.

      Compare up to 4 providers

      Picture: Cash Till Payday

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