Finder

Personal loans

Advertiser Disclosure

Same Day Personal Loans

Find out which lenders can fund a loan today.

Last updated: 5 March 2019

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

From

6.99 % p.a.

rate

Borrow from $2,000
100% online

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

Go to site

More info

Where can I get a same-day personal loan?

Updated July 21st, 2019

Name	Min. Loan Amount	Max. Loan Amount	Conditions
Harmoney Unsecured Personal Loan	$2,000	$70,000		Go to site More Info	Compare	loading Fetching your data...
Lending Crowd Personal Loan	$2,000	$200,000		Go to site More Info	Compare	loading Fetching your data...
NZCU South Personal Loan (Unsecured)	$1,000	$25,000		Go to site More Info	Compare	loading Fetching your data...
NZCU South Personal Loan (Secured)	$1,000	$50,000		Go to site More Info	Compare	loading Fetching your data...
Admiral Finance Secured Personal Loan	$1,000	$50,000	Available same-day money service for a small charge.	Go to site More Info	Compare	loading Fetching your data...
Swoosh Finance Personal Loan	$2,500	$100,000		Go to site More Info	Compare	loading Fetching your data...
QuickLoans Personal Loan	$1,000	$20,000	Available same-day money service & 24-hour phone answering service outside of business hours.	Go to site More Info	Compare	loading Fetching your data...

Compare up to 4 providers

Types of same-day personal loans

A personal overdraft or line of credit is another small funding option, usually offered by banks to their existing customers. Overdrafts are attached to your transaction account and allow you to overdraw up to an agreed limit, which you then repay at a variable rate. A line of credit works in the same way but sits in a separate account. It is possible for your bank to organise both options within an hour.
A Lender that offers this type of loan: is BNZ that allows you to access a line of credit 24/7. The interest is paid only on the outstanding balance and charged at a variable rate. They allow you to pay off some or all of the overdraft, and it remains in place even if you are not currently using it.
Some lenders offer automatic approval and provide same-day funding to customers who apply in-branch. You will need to take a form of identification, bank statements and details of your finances including income, assets, credit accounts and debt. The lender can then verify your documents in person.
Lenders that offer this type of loan: Instant Finance, for example, offer instant decisions and same-day loan facilities, for people who drop into an Instant Finance branch. This includes secured and unsecured personal loans.
This is a unique personal loan, where lenders allow you to use a valuable asset as security. Assets can include jewellery, gold, watches, antiques, boats, cars and even fine wine collections. The lender usually requires a valuation of the product and then offers a loan amount based on the valued item. These type of loans usually have a quick turnaround time, with some lenders offering the loan on the same day.
A lender that specialises in this type of loan is assetfinance. They offer same-day funding after an ID check has been completed and your valuables appraised. Assetline offers loans from $1,000 to $15,000 with terms of up to 3 years.

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

Was this content helpful to you? No Yes

Matt Corke

Matt Corke is the head of publishing in Australia for Finder. He previously worked as the publisher for credit cards, home loans, personal loans and credit scores. Matt built his first website in 1999 and has been building computers since he was in his early teens. In that time he has survived the dot-com crash and countless Google algorithm updates.

“Interest isn’t everything”: What else matters in a personal loan? New ways to pay

Loan Types

Loans From

I Want

Same Day Personal Loans

Find out which lenders can fund a loan today.

Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loan

Where can I get a same-day personal loan?

Compare up to 4 providers

Types of same-day personal loans

Things to consider about same-day loans

How to apply for a same-day loan

Matt Corke

Loan Types

Loans From

I Want

Same Day Personal Loans

Find out which lenders can fund a loan today.

Harmoney Unsecured Personal Loan

Where can I get a same-day personal loan?

Compare up to 4 providers

Types of same-day personal loans

Same-day funding for new and existing customers

Same-day loans for existing customers

Short-term same-day loans

Line of credit or overdraft

In-branch applications

Same-day loans with personal assets as security

Things to consider about same-day loans

How to apply for a same-day loan

Matt Corke

Advertiser Disclosure