Rating based on 16 reviews

Just Cash


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

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Just Cash homepage

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

About Just Cash

Just Cash is the go-to quick payday loans expert who has been helping New Zealanders with cash emergencies for over 10 years.

With backing from the Ferratum Group, Just Cash is an industry leader in providing fast, simple online and mobile banking solutions to customers.  Connecting customers, peers, and service providers their branches span 23 countries and the credit provider continues to expand its market.

Just Cash’s goal is to be a leading provider 

This credit provider values its clients. They will leave no stone unturned to help clients with quick payday loans. The Just Cash organisation values its clients and partners too, ensuring that customer experience is at the centre of all business endeavours.

They aim to grow their database of clients, offering flexible products that dovetail with the needs and lifestyles of customers in the market. Just Cash wants to assist clients with any cash emergencies by offering them affordable loan products where their smart device becomes a mobile bank.

The credit provider is focused on giving clients easier and swift access to instant loans for cash emergencies.


What Just Cash can offer you

Through a simple click of a mouse, customers can access a potential payday loan through Just Cash.

Customers can easily apply for a loan online through Just Cash on their advanced website portal.

Just Cash knows clients value their time, therefore they have made the online payday loan application a user-friendly one.

 Their website’s handy sliding scale tools and loan calculator enables any person applying to determine their total repayment based on the amount they are applying for, right away.

Unsure of how to go about obtaining a payday loan to ease financial troubles? Customers need not worry because Just Cash’s FAQ (Frequently Asked Questions) page will have all the answers to clients’ questions.

Quick, easy, and simple Payday loan

Just Cash ensures that the application process is a stress-free one by cutting out all the red tape. They are all about saving precious time for their customers, who can go about their day doing their daily errands after receiving prompt service from Just Cash.

Just Cash is a registered credit provider whose highly trained financial consultants will only approve loan applications if they know clients can afford them.

Just Cash 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

Just Cash boosts your confidence when it’s time to take out a loan

Just Cash believes that no one should be turned away for an emergency payday online loan if they meet the necessary criteria.

Therefore a bad credit score will not stand in the applicant’s way when applying for a loan through Just Cash. The Just Cash financial experts will make sure that the client’s credit score issues are sorted out when an applicant applies for a payday loan

Payday loans and cash advance loans vary in cost depending on the amount the client wants to borrow, as well as the period they wish to borrow it over.

The income advance is a quick loan received in a single lump sum that requires settlement at the next pay date.

What clients need when they apply:

  • Clients must be a resident of New Zealand
  • Applicants must be over the age of 18
  • They must have a valid driver’s licence
  • They must have a steady monthly income
  • Clients must have a valid bank account where monies can be paid into

Apply now for an instant loan because with Just Cash there’s no quibbling. If clients meet the criteria, the loan for any cash emergency can be in their bank account in next to no time.

Quick Payday loans for everyone at Just Cash

Just Cash offers clients fast payday loans of $400 for first-time customers who are looking to the credit provider to help them with cash emergencies.

Just Cash knows sometimes people out there have little or no cash lying around for unexpected emergencies. With their affordable quick microloans, customers can get their lives back on track should they need to fix a car, buy a new appliance or pay a medical bill.

The good news is that clients who have a good repayment record can apply for even higher amounts the second time around. So with a quick loan from Just Cash customers can be sure they will keep their head above water until the next paycheck comes in.

Benefits of a Just Cash Payday loan: 

  • Interest rate pegged at 227%
  • Clients can apply for loan amounts of up to $1000
  • The repayment period is from 7 to 45 days
  • A decision on any application is made within 2 hours
  • Cash paid into a recipient bank account within one day
man holding thumbs up

Just Cash is a trusted & reliable provider of payday loans

In our review, Just Cash 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.

Just Cash is a registered credit provider in New Zealand: FSP70021

Customer Reviews & Testimonials

December 2020

Before applying at Just Cash I had been rejected multiple times due to the fact that I had no available security. Thankfully I received the break that I had needed for a long time from Just Cash.

Donald M
— Culverden —

December 2021

With the assistance of Just Cash, I was able to improve my credit score. I can now access larger borrowing amounts at lower rates. Thank you for helping me makes a better financial future for me.

Frederick M
— Eastbourne —

February 2022

I was so happy to find out that Just Cash allows for additional repayments to be made. This meant that I was able to repay my loan faster and accrue less interest in the long run. Any place that ...

Stacy M
— Edgecumbe —

Just Cash Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 33-1009, Takapuna, 0740, 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