PrettyPenny - mega fast loans when time is of the essence!

  • quick, 2 minute application
  • cash in your account within 2hrs of finalisation
  • from $200 up to $1000 available

 With Pretty Penny Loans, time is of the essence. This is why we endeavour to get you the funds you need as fast as possible without having to jump through a series of hoops.

New Zealanders in need of urgent financing can simply make an application online or on phone. All you need is your bank statement and you can qualify for up to $300 credit to meet that unexpected obligation or see you through to your next salary. You can borrow as little as $50 if that is all you need.

Below is the list of loan products we offer citizens of NZ:

  • emergency cash loans
  • same day loans
  • unsecured loans
  • short term loans
  • payday loans
  • and bad credit loans.

Besides striving to make the loan application process as quick and as simple as possible, Pretty Penny Loans are committed to making credit affordable.

And the beauty with our loans is that you know exactly how much it will cost you- transparency is one of our highly held values. At any point you can find out how much your loan will coat you including the interest accrued and the setup fee you will be charged.   

Customer service

We pride ourselves in not only offering timely help to get our customers out of financial jams, but also offering them superb service in the process. Past customers testify to being handled with courtesy and utmost professionalism from the point of initial contact to the end of the loan period.

Flexible terms

Pretty Penny Loans are the preferred lender for many New Zealanders because of how flexible they are with repayments. If you have the ability, you can pay off your short-term loan in just a single lump sum.

Or you can pace yourself with up to four instalments over a period of eight weeks. This will help those who cannot clear their loan in one payday, or who are not formally employed, to make the repayments comfortably as they get funds.

Quick and simple application

30 minutes, believe it or not, is all it takes for you to apply for a Pretty Penny Loan and get it approved. Log onto our website and go through the process online or give us a call and you can go through application to obtain the funds you need without delay.

No need to burn your fuel or fare to make a physical visit to our offices. Everything can be done from wherever you are provided you have a good Internet connection. We are also among a select few lenders in the country who allow applicants to submit applications on phone. You can either directly give us a call or fill in a call-back form and one of our representatives will call you. After they collect all the necessary information your loan will be processed.

Furthermore, if you are an existing customer who wants additional credit, a simple text message will do. We give all our customers a PIN when they first come to us for a loan. This unique identifier can then be used to apply for subsequent loans via SMS. This simplified application procedure is one of the reasons many customers are willing to spread the word about us to their friends and family.


What you need

What do you need to qualify for a loan? All we need is proof of your residence in New Zealand, evidence of a steady income and your bank statements. We endeavour to make the application process as simple as possible so that you can access the money you need quickly. A phone contract or a guarantor can be taken in place of proof of a steady income if you don’t have payslips. With these you can get a payday loan of up to $300 to see you through to the end of the month.

Credit history

Self-employed individuals and those with a tainted credit history know how difficult it is to get a loan. However, even if your credit history is not squeaky clean, we are willing to extend a helping hand. All we need is to ascertain your ability to repay- which we have a reliable system in place to do.

Affordable loans

One other key reason we have become the preferred lender for many New Zealanders is how affordable our rates are. Our setup fees, interest rates and penalties for non-repayment are among the lowest in the market.

We only charge $13 for late repayment whereas our competitors charge up to five times this amount.