Rating based on 35 reviews

Payday Loans offered by Instant Cash Online

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About Instant Cash Online

As one of the longest standing payday lenders in the country when you take out a loan online with Instant Cash Online, you know you're going to get fast approval and great service every time.

Whether you're a new or existing customer - we will meet your needs and exceed all your expectations.

Personalized service every time

As an online lender in NZ you may think that we offer little in term of personal service but, this couldn’t be further from the truth. Our staff is experienced and dedicated to offering our customers a personalized service that a bank could never manage to achieve.

What Instant Cash Online can offer you

At Instant Cash Online you can get a payday loan of between $100 and $2,000 and we charge a flat rate which is 20% of the principal loan amount and $% of the principal loan amount as a monthly fee.

Our way of charging on our loans is different from that of our competitors and is more affordable for customers.

Taking out your first payday loan

Taking out a fast loan for the very first time may be a little nerve wrecking but, with us you'll get through it in a quick and painless manner. Our customer service agents will answer all of your questions, verify that you've completed the application form correctly and explain our rates and procedure to you in full.

Interest Rate

From 0 %

Loan Amount



Repayment Term

0 days

0 days

In a Nutshell

  •  Average processing time 2 hours
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment

Ay Instant Cash Online we make it easy for our clients to get a payday loan

If you're ready to complete the online loan application form then you can make your way to our application page.

Once you've filled in all the details necessary you can then upload the supporting documents. We will then check your details and perform a few affordability checks before approving your loan.

A simple online application process

Our short-term loan application form has been developed in such a way as to allow the customer to complete it quickly with as little stress as possible. When you use Instant Cash Online you can rest assured that your desired loan will be credited to your account quickly.

Where do I sign up for my instant loan?

Instant loans are referred to as exactly that because we provide finance in a flash. Our application process is also really simple and convenient. No need to rifle through stacks of paperwork and dig for documentation – just complete the online application and you are set. After you have submitted your application we will take it from there. In as little as five minutes and three simple steps, you can have the cash in your account. Finance does not have to be difficult – finance with Instant Cash today.

Secure and responsible loans

Often financial institutions lend to individuals despite the fact that they will be unable to keep up with the repayments. As a responsible lender we will never place you in a situation such as this one. Before we approve an application we will examine the applicant’s income and expenses in order to determine whether or not they can safely afford the loan. We will also assist the borrower to determine the perfect repayment schedule for their current economic circumstances. You can also ensure that all your information will remain private and secure with us. Overall, we are here to ease your stress and help you to pave your way to a better economic future.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Active NZ bank account
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Instant Cash Loans

Customer Reviews & Testimonials

August 2018

With a family to look after and a full-time job, it can be difficult to find time in my day for more menial matters such as finance. This is why I am forever grateful to Instant Cash for their si...

Jayne M
— Kaniere —

September 2018

In the past, I have been refused finance because I am self-employed. Even though I have a good credit record some lenders viewed me as a risk. Thank you to Instant Cash for helping me get the fi...

Michelle C
— Albury —

 Find us here

133 Alexander Street, Crows Nest, NSW
New Zealand

Postal Address

PO Box 423, Matraville, NSW, 2036, 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 –

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