Same Day Personal Loans

Find out which lenders can fund a loan today.

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People can associate same-day personal loans with shady cash lenders or pawn shops, but there are plenty of reputable lenders to choose from – including some of the Big Four banks.

Find out which lenders offer same-day loans and what you need to consider before applying.

Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loan


6.99 % p.a.


  • Borrow from $2,000
  • 100% online
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100% confidential application

Harmoney Unsecured Personal Loan

Apply today to get approved within minutes for up to $70,000.

  • Max. loan amount: $70,000
  • Loan term: Up to 60 months
  • Turnaround time: 99% of approved online applications funded in 24 hours
  • Fees: Establishment fee of $200 for loans from $2,000-$5,000 and $450 for loans from $5,000-$70,000
  • No early repayment fees
  • Personalised interest rates based on your circumstances
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Where can I get a same-day personal loan?

Updated February 26th, 2020
Name Product Min. Loan Amount Max. Loan Amount Conditions
Harmoney Unsecured Personal Loan
Nectar Personal Loan
Pronto Secured Personal Loan
9 minute processing promise.
Stadium Finance Personal Loan
Lending Crowd Personal Loan
QuickLoans Personal Loan
Available same-day money service & 24-hour phone answering service outside of business hours.
NZCU South Personal Loan (Unsecured)
NZCU South Personal Loan (Secured)
Admiral Finance Secured Personal Loan
Available same-day money service for a small charge.

Compare up to 4 providers

Types of same-day personal loans

Things to consider about same-day loans

Same-day personal loans may seem like a quick and convenient option to access money, but their fast turnaround time does not mean you should give these loans any less consideration than you would others. You need to think about your personal financial situation and your ability to pay back the same-day loan before you apply. Also, consider the features of the loan. For example, if it has a fixed or variable rate and your repayment options, to see if the loan meets your borrowing needs.

It may be worthwhile considering other forms of credit as a possible option. For example, would it be cheaper to put this expense on your credit card or to take out a personal loan?

How to apply for a same-day loan

To apply for any of the same-day personal loans offered on this page, simply follow the secure link to the lender’s website. The eligibility conditions will differ between lenders, but normally, you need to be over the age of 18, a permanent New Zealand citizen or resident and have a good credit rating.

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