Rating based on 43 reviews

Simple Cash


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

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Simple Cash homepage

Author Simple Cash. Screenshot of Simple Cash website. [Accessed May 23, 2018]

About Simple Cash

Simple Cash is a credit provider designed to help many New Zealanders beat the debt trap by offering quick payday loans swiftly and easily.

How quick are they with payday loans online? Well very quick – in fact, they offer payday loans of up to $1,000. And the money can be paid into a client’s bank account in as little as 30 minutes.

A payday loan is a loan, usually totaling not more than $1,000 that needs to be repaid on a client’s payday in one repayment.

Simple Cash is keeping it simple 

The credit provider knows that New Zealanders value their time. Therefore they ensure that they keep the application process as simple as possible for clients.

Applying for a loan has never been easier with Simple Cash. All it takes for a client to apply for a payday loan online is to have an internet connection – that means prospective customers can apply for a 1loan from virtually anywhere.

To keep the system simple and paperless, clients can apply for quick payday loans 24-hours a day. Simple Cash does not perform a credit check on clients, which means applicants have more chance of a loan being approved.


What Simple Cash can offer you

A simple click of a mouse can get clients started on the road to a quick online payday loan through Simple Cash.

The website portal even has a calculator where the applicant inserts his or her amount to be borrowed. A financial consultant will receive the application immediately and respond to the enquiry within minutes.

Simple Cash makes it easy for clients to have a loan application for a payday loan approved as the lending criteria are not very strict and the repayment terms are fixed not flexible.

Other benefits of a Simple Cash Loan: 

  • Interest Rates pegged at 227%
  • Repayments from a week to 45 days
  • Decision on loan query within 2 hours
  • Loan amounts from $500 to $1000
  • Clients only get loans they can afford

Time to stake a claim for a Payday loan

Simple Cash is aware that cash emergencies can crop up from time to time. Sometimes it may be a medical bill that needs to be paid or a kitchen that needs upgrading with no or little cash available.

Simple Cash can help out when these emergencies occur. The credit provider’s quick payday loans are pegged at affordable rates of interest from 227%. The quick payday loan can be settled by the client’s next payday.

Simple 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

It is as easy as one quick online loan application

The advantage of applying for a  Simple Cash loan is that clients do not have to have a home or a car or any asset needed to be put down as collateral for any payday loan.

Simple Cash makes the process as paperless and easy as possible for clients when they apply for a loan online. A steady job and a valid bank account where money can be paid are all that is needed to qualify for a payday loan

Their financial consultants will go out of their way to find the best possible interest rate for clients when they apply for an online loan.

Promptness and speed is the name of the game at Simple Cash. If all the information is provided and the loan is successfully negotiated the credit provider can have the payday loan paid into the client’s bank account within hours.

Simple Cash puts money into wallets 

Simple Cash does not waste time in getting quick payday loans for New Zealanders into their wallets. Once an application is approved, the money can be in the client’s bank account within one day.

The credit provider’s payday loans NZ are unsecured. That means clients do not have to supply any form of collateral as security against the loan.

The credit provider ensures that any loan application is analyzed according to each client’s unique circumstances and affordability to repay the loan. Simple Cash is a registered credit provider with highly trained staff who will not approve loans a client cannot afford.

What is needed to apply for a Payday loan  

  • Applicants must be at least 18 years old
  • They must be a citizen of New Zealand
  • Applicants must have an active bank account that the money will be paid into
  • Clients must have a stable source of income
  • They must have consent to have a direct debit set up on the bank account.
man holding thumbs up

Simple Cash is a trusted & reliable provider of payday loans

In our review, Simple 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.

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

Customer Reviews & Testimonials

October 2020

This evening I sat down with my Tablet armed with documentation and a mug of coffee preparing myself to complete your application. Half a mug of coffee in and I was already done! It was a pleasur...

Claire G
— Waihi Beach —

November 2020

It is always so nice to encounter helpful, friendly and professional staff. I have to give Simple Cash a big thumbs-up for their excellent customer treatment and care.

William T
— Dobson —

January 2021

I heard that Simple Cash has a fast response time but I was impressed when I experienced it firsthand. Within the hour of my application, I was already approved and the money was transferred into...

Randy C
— Peria —

November 2021

I have to give Simple Cash a big thumbs-up for their exceptional customer treatment.

Watson T
— Dobson —

Simple 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