Instant Cash Loans New Zealand

At Save My Bacon, we are a leading provider of fast, reliable, and convenient instant cash loans in New Zealand, if you’re approved for a loan with us! Our short-term and medium-term loans give you immediate access to the money you’ve already worked for, just in time for that unexpected bill or expense that you need to pay now.

This is what Save My Bacon instant cash loans are all about – bridging the gap between the day you normally get paid and right now when you need a bit of extra cash. All without having to step foot in a bank!

Here’s how it works:

  • Review the Do I Qualify page on our website. We are a responsible lender, so we have a few requirements you must meet. We are fair and transparent.
  • Choose your loan product. We have a Mini Loan where you can borrow between $300 and $750 for between one and eight weeks. We also have a Flex Loan where you can borrow between $1k and $5k for between eight and 52 weeks. Both loans have a fixed annual interest rate (AIR) of 49.95%.
  • Apply for an instant cash loan using our online application form. It is straightforward and only takes a few minutes to complete.
  • Unlike the banks, a perfect credit record isn’t essential. We are different from most lenders as we go the whole hog, carrying out a comprehensive review and assessment of your full financial profile, looking beyond just your credit score. This means that a lower credit score and/or limited credit history won’t necessarily prevent financially responsible applicants from taking out a Save My Bacon loan. 
  • We’ll be in touch if we need further information.
  • We’ll process your application and will communicate the decision to you as quickly as possible. We aim to process all applications for instant cash loans in NZ within 24 hours, but we usually process an application much quicker than this.
  • If you are approved, we’ll immediately pay the funds directly into your bank account. In most banks, this means your funds will be accessible within hours.

Get started and apply below today!

24 Hour Loans NZ

Apply online for a Save My Bacon short-term loan, and we’ll provide you with an instant cash loan decision.

Don’t worry if you think you might have a bad credit history or credit score, we don’t work like other lenders... We think other lenders put too much focus on credit scores and not enough on the person. When we assess applications for instant cash loans in New Zealand, we look at the person, not a number.

As a responsible lender, we will look at your credit history. That is part of the process, but we go further, also looking at your full financial profile. While we consider a number of different factors, the process can be explained as determining whether or not you are a financially responsible person.

And here’s the thing. Financially responsible people can need instant cash loans. Financially responsible people can also need 24-hour loans paid into their NZ bank account. Also, financially responsible people can, for a multitude of different reasons, have a low credit score.

Finding yourself in a position with a low credit score happens, but it won’t necessarily prevent you from getting a short-term loan from us.

The same applies if you think you might have a limited credit history. We understand your position too!

Why Apply for A Save My Bacon Loan?

  • We’re a responsible lender, so only approve affordable loans
  • We specialise in loans for financially responsible Kiwis
  • We're rated 'Excellent' on Trustpilot! Check out our reviews below 
  • We offer an online application process, fast decision-making, fast payments on approved applications, and fair terms (loan applications are assessed according to our strict affordability criteria)
  • We take various factors into account when assessing your application, including your credit score as well as your full financial profile. Our goal is to look past the numbers in your credit report to understand who you really are. We want to help all financially responsible Kiwis.
  • The application process only takes a few minutes, and you can even complete it on your mobile!
  • You can use your loan with us to help improve your credit score as we are partnered with Kiwi credit-bureau Equifax
  • Loans are available for periods of one week to a year, with loan amounts between $300 and $5,000. Our loans have a fixed annual interest rate (AIR) of 49.95%. For a full breakdown of our interest and fees, check out our Interest and Fees page
  • There are no additional fees if you decide to repay your loan early
  • We’re a trusted Kiwi loan provider and recognised brand


Why not start with our loan calculator below to find out how much the repayments will be on the loan you need. It’s simple, quick, and easy to use. So, what are you waiting for? Apply below now!

Rated 'Excellent' on Trustpilot