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0% Interest on your First Loan with us!

Valid for loans up to $400 and Repayment Periods up to 5 weekly, 2 Fortnightly or 1 Monthly!
Only valid for first time borrowers.

Normal establishment and account management fees apply.

Apply in 5 minutes and have your money within 60 minutes – subject to responsible lending inquiries and checks.


Easy, confidential online application for fast cash loans.

  • Car repairs
  • Funeral
  • Emergency bills
  • Home improvements

We are a trusted lender.


We want to help as many people as we can.

If you have a less than perfect credit history you may still qualify for a Fast Cash loan.

Apply online for a fast response.


Fast and efficient online applications.

All applications are welcome because we think everyone should be able to apply.

Terms and Conditions Apply

Get fast payment when you need it most

Quick Cash Loans – ask us how at Cash Relief.

Do you need money, fast? Everyone’s been there. There are times when you’ll urgently need an injection of cash, and Cash Relief in New Zealand can provide it.

At Cash Relief, we provide short term loans, cash loans to people who need instant funding. You can apply for a payday loan online, and the process is fast and straightforward.

Whether you have bad credit or you have an emergency before payday that needs immediate financing, Cash Relief is your solution – subject to assessment of your financial situation.

Why should you choose Cash relief for a loan?

We’ve been in your position before, so we understand how helpless you can feel in an emergency. When you apply for a payday cash loan, your online application is 100% confidential. This means that if you apply for a home loan or vehicle financing in the future, your lenders won’t have access to the information on your application.

We accept people in all situations and have helped thousands across New Zealand, making us your number one financing solution.

How Our Loan System Works

When you take out a payday loan at Cash Relief, you can expect to pay an interest rate of 49.5% per year. In other words, our interest comes in at just over 0.13% per day. An establishment fee of up to $200 will apply but this amount will be discounted to a minimum of $45.00, depending on the size of the loan.

If you need the money immediately, you can opt-in for an Express Payment. Our Express Payment option gives you access to your financing in 60 minutes, and it comes at an extra $5 charge.

Do You Qualify For A Short-Term Payday Loan?

When you take out a loan from Cash Relief, the amount you can borrow depends on how much you earn, and what your expenses are. The borrowing limit is $600 because we offer small short-term loans to help you get through to your next paycheck. For longer term loans over $600, head over to Acorn Finance Acorn Finance

Applying for a short term, payday loan in NZ has never been more straightforward. Whether you need finances to get you through to your next salary, or if you have bad credit, Cash Relief is your solution. Assisting people across NZ with 24/7 online financial assistance every day, we can help you too in your hour of need. Contact Cash Relief today for more information.

NZ pay day Loans and Cash Advances

Our interest rate is 49.5% per year or 0.1356% per day. An establishment fee of up to $200.00 is applied to each loan and this may be discounted for loans under $400. An optional fee of $5 is charged if you want an Express Payment of 60 minutes into your bank account. An Account Administration Fee of $10.50 per month is applied to each loan. A pay day loan is for a short term only, usually 2-6 weeks or until your next pay. Don’t use this type of loan if you need to make repayments over a longer period. Applications for bad credit loans considered.


We have helped thousands of people in New Zealand when they’ve needed it most

How much can I borrow and do I qualify?

The amount you can borrow depends on your income and expenses. $600 is the most anyone can borrow and not all customers will qualify for this amount when fast cash loans are approved. You must be working and earning at least $450 per week after tax. We don’t lend to anyone who is bankrupt or on a government benefit. NO BENEFICIARIES.

Not sure if you should get a loan? Look at the videos called “It’s all good” from the NZ Commerce Commission which explain your rights. It’s all good.

Applying for payday loans with Cash Relief is all online and very easy to do. You can complete the form anytime – 24/7. Have your photo ID and bank account details handy – you need these to submit an application. There’s no awkward face-to-face meetings, just a simple online form when you apply for a small cash loan.

Thanks Cash Relief you’re exactly what you say, open and up front. Well done a loan company that is what it says!!
Malcom, Otahuhu

That will be great thanks. Your service is superb. Have a great weekend, Cheers.
Diane, Southland

Thanks very much Cash Relief staff. You are awesome.
Fale, Auckland

I recommend Cash Relief to anyone in who needs money quickly. Very friendly customer service and very helpful. If ever you’re in need of some urgent cash then choose Cash Relief!
J Henry, Auckland

About us

Cash Relief is a New Zealand owned and operated business and we’ve been helping kiwis since 2011 with same day loans. Our costs are transparent and you won’t find any hidden or nasty surprises. If you’re unsure how much your loan will cost, contact our friendly team during business hours or phone 0800 081 080.

You can use our loans for any purpose – from unexpected bills such as car repairs or medical bills to a cash advance until your next payday.

Please make sure you can afford the loan repayments before applying for a short term loan. Use the loan calculator to show how much you loan will cost. Late repayments may result in serious money problems for you and have a negative effect on your credit rating and will cost you more than the original agreed repayment amount.

100 percent NZ