Rating based on 40 reviews



  • Low-interest starting from 227%
  • Payday loans up to $1,000
  • Repayment up to 45 days

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Ferratum homepage

Author Ferratum. Screenshot of Ferratum website. [Accessed November 11, 2020]

About Ferratum

Who is Ferratum? We are a large and successful financial company based in New Zealand and began our journey in the year 2005.

We don’t use the description “large” lightly either. We have an impressive client base reaching well over 1.5 million clients in 23 countries worldwide.

We pride ourselves on being experts in the industry and have a strong reputation for exceedingly high customer service and offering quick, affordable payday loans. Our staff number speaks in our favour too. We have over 200 professionals working at Ferratum, which forms part of the larger, Ferratum Group.

We strive for excellence

Our vision is one to be admired in that we are driven by our unified passion for the innovation that serves and assists customers in this industry. Our growth strategy is highly ambitious, and a primary goal at Ferratum is to be the preferred provider of short-term loan types. Our product offerings speak for themselves in terms of the benefits our consumers receive. This service spread over a global playing field and we will continue to strive for excellence in everything we do.  

Service with a smile

Our customer base is impressive and continues to grow as we serve those that need financial assistance. We have an excellent reputation and we aim to uphold this in all our financial dealings in the future.  We aim to please our customers and give them the benefits that they deserve when applying for payday loans or any loan type with us. With fast and efficient applications and service with a smile, we believe that we are doing just that!

What Ferratum can offer you

Whether you or a friend in need are after quick loans, a payday loan will solve your problem.

It could be an emergency getaway, an unexpected medical bill, or simply a school expense for your child that you hadn’t budgeted for.

Either way, it’s a once off that calls for cash in a hurry, and you still have 2 weeks before payday! Hence the term “payday loan”. Payday loans will get you from paycheck to paycheck without hurting your finances too harshly and at the same time solving the financial problem you’re faced .  

Loans approved in 4 minutes

Our same-day loan application is extremely easy and you are able to borrow between $100 - $1000 and repay the loan over a period of up to 45 days. Our existing customers even have the benefit of applying via text message for their loans provided they have a mobile phone. The response time? It’s an easy approval at 4 minutes in certain cases.

First-time customers listen up!

You can borrow up to $400 for your first loan. At Ferratum we prefer to start and build a relationship with you then only serve you once! If you settle your loan on time, we’ll lend you more cash than you received on the first occasion. Applying has never been easier through the use of online calculators to use as a guide.

Simply fill in your details and click submit on the loan application button. All that’s required of you is a valid New Zealand driver’s licence and your up to date personal details. You should have an existing bank account as well where we can successfully transfer the funds to.

Ferratum Product Details

  • Loan Type Payday loans
  • Interest Rate from 227%
  • Loan Amount up to $1,000
  • Repayment 7 days to 45 days
  • Decision 2 hours

Ferratum offers Kiwi’s the opportunity to obtain a payday loan when they need it the most!

Our loans come with a range of benefits and through the simple online application process, applying for a loan with us is one of the best experiences you’ll ever have!

Benefits of payday loans

  • You can expect a simple and smooth application process with unparalleled turnaround times on loan approval.
  • Customer service is friendly and readily available. You can call us whenever you need a question answered or any help needed regarding your loan application.
  • All customers of Ferratum are our top priority. We make it our mission to source the best rates, and an advance suitable to you as an individual.
  • Our administration conveyance is at the forefront of our goals. We encourage all new and existing customers to offer feedback and provide input and insight into their experiences with us.
  • Of the feedback we receive from our valued clients, we work to achieve improvement in areas that require work and if we’re strong in these areas, we can offer a superior service to clients globally.

Who needs paperwork?

Unlike banks, we don’t dilly dally over unnecessary paperwork. With the bank, you can expect to wait days or weeks for an appointment only to apply for the loan. We don’t believe a client should have to wait a minute longer than necessary to get the funds they so urgently require. Provided you meet the criteria requirements, and pay your loan on time, approval should be straightforward!

Our payday loans simplify your financial complication

No matter the expense, Kiwi’s can rest assured that they will receive a fast and efficient service from us. Find a loan today without any hassles or fuss.

The Ferratum group has been serving clients payday loans for many years around the globe and are a direct lender of payday loans, there are no third parties involved. What does this mean for you? It means faster turnaround times for the cash arriving in your bank account.

Your first payday loan might not incur fees or interest! Visit our website, submit your application and receive expert assistance from our skilled financial team. Receiving a payday loan has never been easier!

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Ferratum is a trusted & reliable provider of payday loans

In our review, Ferratum adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Ferratum is a registered credit provider in New Zealand: FSP70021

Customer Reviews & Testimonials

July 2018

I cannot express the relief that overcame me when I heard that I would not have to sift through mounds of paperwork. A simple, fast and convenient application coupled with an overall pleasant len...

Bruce M
— Luggate —

December 2018

Unfortunately, time is a precious resource and many people are unable to waste any time. This is why I was happy when I saw that Ferratum understands this. With such short turnaround times, I had...

Melanie W
— Duntroon —

October 2018

It is common knowledge that most payday lenders overcharge their customers. But that was not the case here at Ferratum. Their interest rates are fair, affordable and competitive and I was able to...

Larry B
— Auckland —

Ferratum Contact Details

Physical Address

  • 132 Hurstmere Road, Auckland, Auckland, 0622, New Zealand Auckland Auckland 0622 New Zealand
  • Get Directions

Postal Address

  • PO Box 33-1009, Takapuna, 0745, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed