how instant cash online works


Applying for a loan takes as little as 5 minutes. Simply complete our online application form, upload your documents, and sign your contract. It’s as easy as 1,2,3. Learn More.

the cost of a loan with us


We understand that everyone’s situation is different. That’s why we tailor our loans to our customer's needs. Click here for more info on our standard loan fees.

common questions asked of instant cash online nz

Common Questions

We have gathered some of more common questions we receive about the lending process and how we work. Click here to read our Customer FAQs.

Why choose Instant Cash Online?

At Instant Cash New Zealand, we believe in certain values that help us establish a strong loan system for our clients. Instant Cash Online is offering quick loans across New Zealand. All applications take place online without any personal invasive or lengthy information required. Instant loans don’t create long-term debt problems for you. You will only be encouraged to borrow cash that you can easily repay. It is all about short-term  solutions. Therefore, you only borrow cash you can easily return and prevent debt issues for the future. Learn More.


fast applications

Fast Applications

Applying for quick loans should be literally QUICK. With our process, you don’t have to wait long days going through extensive paperwork to receive your loan. Get your request approved, money in your account the very same day. Learn More

short term loans

Short Term LOANS

Our short term loan application process is 100% online and it ensures that you don’t have to deal with any frustrating paperwork at all, when you request a quick loan from us. The entire application process from the very beginning to the end takes place online – via you computer, tablet or mobile phone Types Of Loans.

secure process

Feel Secure

We make sure your personal information is protected. That’s why we use 128-bit encryption security on both our website and on throughout our application process to make sure you’re safe whenever you deal with us. Learn More

we keep our process simple

We Keep It Simple

When you need instant cash, you don’t have time for complex financial terms. You need cash on the go and you will get exactly that. We avoid using financial jargon when dealing with our clients. All the information on our website is in plain English and easy to understand.

At any time, from anywhere, in any way

You can apply for an instant cash loan on any device 24/7.

Loans you can trust

Quick procedures can often leave clients hesitant to make a request. They are always expecting a catch, a weak point or drawback. With Instant Cash Online New Zealand, you can completely trust our process of payday loans. There are no third parties; clients directly deal with us when getting their requests approved. This greatly reduces the risk of becoming a victim  of  loan fraud. Instant Cash Online New Zealand understands the needs of their clients.  Quick loans are often requested in situations of emergencies. Therefore, we are very careful about  providing  clients  with the cash when they really need it. We can become your most trusted source for safe quick loans. Forget about all the hassle involved in the traditional loan approval process and enjoy quick cash to meet your short-term  financial goals.

How It Works


    Our loan application process is fast, efficient and clear to understand. You can use any connected device to apply online – laptop, mobile, tablet. Learn More


    If you met our lending criteria, we will notify you via email and/or SMS to digitally sign your loan contract online. Learn More


    If approved before 5pm Monday – Friday, we will deposit the funds in your bank account same day. Learn More

Apply For A Fast Personal Loan

Anytime, anywhere, any way. From your mobile, tablet or laptop 24/7.

What You Can Expect From Us

fast personal loans with no catches

Get Cash With No Catches

When you need instant cash, you don’t have time for confusing and complex financial terms. You need cash on the go and you will get exactly that. We avoid using financial jargon with our clients. With our loan service, you don’t have to wait for days or endure extensive paperwork to receive a loan.

hassle free process

Hassle-Free Online Process

Instant Cash Online prides itself on being hassle-free. We have developed an online system which allows you to apply for a loan in minutes. All the documents which we need to assess your loan you can provide online. All you need is your computer or your mobile phone.


A Lender You Can Trust

When choosing a lender, it’s important to know that you are using someone you can trust. Instant Cash Online is a licensed lender. We take care of your needs, which means that you do not have to go through a third party and you deal with us directly. We treat our customers the way we would want to be treated.

stay in the know

Stay in the Know

Everyone communicates differently. We have several options tailored to your communication style. Whether it’s phone, email, text or messenger to get in touch with us - we’re here. You can also access you loan information any time, know your loan balance and make extra payments if you like.

What our customers say

  • “Instant Cash are the best in town. Service is always fast and professional.”

    Sam, Auckland

  • “I have always had a great experience with these guys. It’s nice to talk to professional and polite staff. They explained everything to me and helped me with each step.”

    Peta, Wellington

Types Of Personal Loans

emergency loans

Emergency Loans

Life is full of unpredictable events. A fast, flexible emergency loan can help get you through a difficult patch. Whether its urgent medical treatment, critical repairs, a bereavement, tax bill or other emergency, we’ll try to help.

Read more about Emergency Loans

cash advance loans

Cash Advance Loans

Even if you have consistent income, there can still be unplanned situations that need more cash to help you get by. A cash advance loan could help an immediate financial challenge like car repairs, urgent travel, home repairs, medical & power bills

Find out more about Cash Advance Loans

get a bond loan

Bond Loans

Do you need to get into a new flat our house soon? Take the stress and the hassle of finding all the funds for your new place with a fast bond loan. We can help you to get enough your bond, rent advance or moving expenses – up to $2,000.

Learn more about Bond Loans

travel loans made easy

Travel Loans

Are you overdue for a holiday? Whether you’re planning to lay on the beach in Fiji, or need to book flights for a family wedding, it can help to have the funds readily available, so you can book your trip now and secure your flights at the best price.

Discover more about Travel Loans

small loans

Small Loans

Apply for a small loan today with Instant Cash Online today. Our small loans range from $300 – $2,000. Our Small Loans facility could be just what you need to get yourself much needed funds in rapid time, to deal with your bills or expenses.

Find out more about Small Loans

how to get an instant loan

Instant Loans

When we say Instant Loans, we do mean instant/ quick/ pronto! Our online loan applications are processed securely in just minutes. If your application is approved, your money will be sent to your bank account on the same day that you apply!

Learn more about Instant Loans

Do You Need Help With Your Finances?

Let's work together to help you deal with your financial situation.