We've helped thousands of Kiwis, just like you.
Up to $600 in your account in less than 60 minutes.
Apply in 5 minutes and have your money within 60 minutes*
Get fast payment when you
need it most
We know that life is full of the unexpected, so we're here to help, now. Get up to $600 into your hands within 60 minutes*.
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Less than perfect credit?
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We understand that from time to time people may have a few troubles, but we’re here to help, not to judge.
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AIR - Annual Interest Rate
Our AIRs range from 502% to 602% pa or approx. 1.38% to 1.65% per day. Maximum loan term 60 days.

Implications of Non-payment
To avoid additional costs please repay your loan according to agreed terms, however where a non-payment (or other default) occurs the following applies:

Fees
A fee of $10.80 applies to each missed or failed payment, a fee of $9.20 for each direct debit dishonour. (Other fees and charges may apply where we do an assignment of wages)

Default Interest
Interest is not charged on accounts exceeding 45 days overdue. These accounts will be referred to a debt collection agency that may charge additional fees to recover the overdue account.
Collection practices
We undertake to manage collection of our loans in accordance with legal requirements and industry standards and will promptly contact you should you miss a payment date.

Credit Score implications
A repaid loan in accordance with agreed terms should positively influence your credit score. However when a missed payment, failed payment or unpaid loan occurs this is likely to negatively impact on your credit score.

Renewal policy
Renewals are available on accounts where your past payment history is satisfactory to us and are subject to our discretion. Renewals are not automatic. A fee of $30 applies.

Click here for further information on our loans.



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Still want to know more?
At Cash Relief, we know what its like to feel a bit short between paydays.

If you’re still feeling unsure, check out our FAQs page, or contact us directly if you have more specific questions.

*Lending conditions apply. Only between 9am - 4pm weekdays. Not supported by all banks.