Cash loans NZ – same-day funds in your account
Real Finance’s cash loans deliver quick cash when life throws an unexpected bill—or a golden opportunity—your way. Apply online in minutes, sign on your phone and see the money land in your account the very same day.
Why choose a cash loan with Real Finance?
60-minute conditional approval
60-minute conditional approval and instant e-sign.
Flexible loan & term
Borrow from a $1,000 loan to $10,000 with terms of 2–12 months.
Fixed interest for certainty
Fixed annual interest 9.95% – 39.95%—no nasty rate jumps.
Fast cash loan
Funds usually clear within an hour of signing.
100% online process
No paperwork, no branch visits.
Extra payments welcome
Repay early anytime for just a $12 close-out fee.
What can a quick cash loan cover?
- Urgent car or appliance repairs
- Vet or medical bills
- School fees or travel deposits
- Catch-up on power, rent or rates
- Cash advance to bridge a short-term gap—without the extreme costs of payday loans
Quick eligibility checklist
- NZ resident, 18 + with driver licence or passport
- Stable income (salary, wages or benefit)
- Three months’ bank statements (PDF or CSV)
- Room in your budget for the agreed loan repayments
How much will it cost?
Use our cash-loan calculator, plug in your loan amount and term, and see the exact weekly or monthly payment up-front. Shorten the term to slash interest or lengthen it to ease the monthly payment. Make extra payments whenever you like and pay less overall.
Available loan amount
From $1,000 to $100,000
Terms
2 – 30 months
Repayments
Starting from $35 per week
Security options
Household chattels, Vehicles, Property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Cash loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into our account. A truly seamless experience.”
Frequently asked questions
Is this a payday loan?
No. Our fast cash loans have fair, fixed interest and up-to-12-month terms—far cheaper than payday products.
Will applying hurt my credit score?
One enquiry has minimal impact; multiple applications elsewhere in a short time can lower your score.
Can I make extra payments?
Yes—extra goes straight to principal. Clear the balance early for only the $12 close-out fee.
What if I need less than $1,000?
$1,000 is our minimum; smaller sums can often be met with hardship grants or family assistance.
How fast is “fast”?
Most customers see funds within two hours of approval—perfect for genuine quick cash needs.
We’re here to help
Have more questions about quick-cash loans, approval criteria, or short-term repayment plans?Contact our team for personalised support.
Ready for instant cash relief?
Click Apply Now or call 0800 21 21 21. Real Finance will move fast to get you the cash you need—responsibly, transparently and 100% online.
