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Same Day Personal Loans

Find out which lenders can fund a loan today.

Updated

Fact checked

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?

Data indicated here is updated regularly
Name Product Min. Loan Amount Max. Loan Amount Conditions
The Lending People Personal Loan
$2,000
$75,000
LoanSpot Unsecured Personal Loan
$3,000
$75,000
Same day funds transfer after loan approval if all required documents are signed by 12pm on a business day.
Better® Secured Personal Loan
$3,000
$250,000
Varies with lender
Max Loans Secured Personal Loan
$1,000
$100,000
MTF Finance Secured Personal Loan
$2,000
$100,000
Harmoney Unsecured Personal Loan
$2,000
$50,000
Pioneer Finance Secured Personal Loan
$1,000
$100,000
Same day approval and loan disbursement depends on the size and complexity of the loan and the supporting documents you provide upon application.
Nectar Unsecured Personal Loan
$1,000
$20,000
Lending Crowd Secured Personal Loan
$2,000
$200,000
Max Loans Unsecured Personal Loan
$1,000
$40,000
Save My Bacon Unsecured Flex Loan
$1,000
$5,000
Teensy Personal Loan
$1,500
$5,000
Same day access to funds if applications requirements are completed before 4 pm.
QuickLoans Personal Loan
$1,000
$20,000
Available same-day money service & 24-hour phone answering service outside of business hours.
Admiral Finance Secured Personal Loan
$1,000
$50,000
Available same-day money service for a small charge.
NZCU South Personal Loan (Unsecured)
$2,000
$50,000
NZCU South Personal Loan (Secured)
$2,000
$50,000
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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.

Picture: Shutterstock

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