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Same Day Personal Loans

Find out which lenders can fund a loan today.

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.

Where can I get a same-day personal loan?

Name Product Min. Loan Amount Max. Loan Amount Conditions
The Lending People Personal Loan
$2,000
$75,000
Harmoney Unsecured Personal Loan
$2,000
$70,000
The Co-operative Bank Personal Loan
$3,000
$50,000
Gem Secured Personal Loan
$2,000
$70,000
Lending Crowd Personal Loan
$2,000
$200,000
Nectar Unsecured Personal Loan
$1,000
$25,000
Save My Bacon Unsecured Flex Loan
$1,000
$5,000
Max Loans Secured Personal Loan
$1,000
$100,000
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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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