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We make loans simple

We approve more people every day so you can get on with life.

Cash Converters Personal Finance offers simple solutions for when you’re short on cash. You can apply in-store, online or on our mobile app. The process is straightforward so you spend less time filling out forms and waiting for approval, and more time doing the things you really want to do.

Need a loan but can't get to a Cash Converters store?

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We give you the freedom to borrow from $200 up to $3,000 from 10 weeks up to 12 months.

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We understand speed matters. Our loan application is quick and easy to complete.

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There are no hidden fees with our loans. We're upfront with all of our costs.

Why borrow from us

Unexpected costs happen to all of us. It could be a flat tyre, a trip overseas or school supplies for the kids. No matter the situation, when it happens, you'll find yourself short on cash and need a quick, convenient and reliable solution to get you through. That's where our cash loans can help.

We help thousands of Kiwis with small loans every week. We're flexible, we work fast and are upfront about our costs and loan terms - which is what our customers need.

We take our responsibilities as a lender seriously and only lend money to people who are in a financial position to make repayments comfortably.

Loans are suitable for occasional short-term needs only. Lending criteria and terms apply.

Cash Advance

The ideal short-term solution perfect for managing unexpected costs when you're short on cash - available in our stores. A Cash Converters Cash Advance usually:

  • Ranges from $200 to $2,000 in-store
  • Is repaid over ten weeks
  • Is reviewed on the spot, if you provide all required information and documents
  • Gives you cash immediately after approval

Find out what the requirements are for a Cash Advance.

Personal Loans

If you need a longer-term small loan, with variable amounts and flexible repayment terms, then a Personal Loan is the ideal cash solution for you. Available online and in our stores, a Cash Converters Personal Loan:

  • Is available from $500 to $3,000 repaid over 3 to 12 months
  • May require a credit check but perfect credit history is not needed
  • On approval, gives you money in your bank account within 24 hours (on business days)

Find out what the requirements are for a Personal Loan.

We are a responsible lender

Cash Converters practices responsible lending to ensure our customers receive the financial help that they need for their financial circumstances.

We're here to help make sure your cash loan is right for you. We closely look at the information you have provided in your application as well as enquire about why you need the cash loan, how much you need to borrow and if you have any other existing debt. In addition, we'll need you to provide proof of ID, proof of address and proof of your income and expenses.

If approved, it's importatnt to know exactly where you stand with your loan repayments. We keep the loan and repayment structure nice and clear by explaining exactly what you have to pay and by when.

Unlike most lenders, Cash Converters bear the entire risk associated with our small loans. This means customers do not provide any form of security.

Our model works to make sure our customers have capacity to repay their loans.

Cost of borrowing

We're here to help you get on with life when you're unexpectedly short on cash and part of that means making sure you understand how a Cash Converters loan works.

We have a long-standing reputation for transparent, responsible and ethical conduct in New Zealand, so what you see is what you get. No hidden costs or surprises.

Personal Loan

$500 - $3,000
Repay in 3 to 12 months

$145 Establishment fee

12% Monthly interest rate

144% Annual interest rate (AIR)

$13.95 Default fee

Cash Advance

$200 - $2,000
Repay in 10 weeks

$30 Establishment fee

40% Monthly interest rate

480% Annual interest rate (AIR)

$13.95 Default fee

NOTE: The cost of credit for a Cash Converters loan will never exceed the principal amount borrowed. This means if you borrow a principal amount of $500, the maximum you will pay back will never exceed $1,000 ($500 principal + $500 in interest/fees).

Annual Interest Rate (AIR)

The Annual Interest Rate makes short-term loans sound unmanageable and daunting but in reality, they are just like any other loan. To put your mind at ease, here is a breakdown of how the AIR is calculated and how interest is applied to a Cash Converters loan.

Personal Loan AIR of 144% ÷ 365 = 0.39% daily. This is the real interest rate you are charged.

  • Interest rates are fixed for the term of the loan. The faster you can pay off your loan, the less interest you will have to pay.
  • Interest charges are calculated daily and applied monthly to the oustanding loan balance.
  • In the event of a default, no default interest is payable.

Standard contracts

Our loans are simple to understand. To show you just how simple they are, you can view a sample of our standard form credit contracts.

If something doesn't make sense or you have a question, feel free to contact us and we'll be more than happy to help.