Payday Advance NZ

A payday advance is the solution to short-term cash issues for Kiwis the length and breadth of NZ, and it could be the solution for you too. You need money now, but you are not due to be paid for several days or even weeks. A payday advance bridges that gap.

At Save My Bacon, you can borrow up to $750 on our short-term Mini loan product and up to $5k on our short/medium-term Flex loan product. You can then use that cash for those unexpected expenses.

All our payday loans are available to apply for online, we are a New Zealand company, and we offer fast approval times. Approval is subject to status, but this is the part where our offering becomes considerably different from other providers of payday advance loans in NZ.

We know your credit history is important and, as a responsible lender, we take it into account when assessing your application. However, you are not defined by your credit score or your credit history. Your financial position, attitude to debt, or level of responsibility aren't necessarily defined by your credit score or credit history.

At Save My Bacon, we look at your credit score and history, then we look beyond it, assessing other elements of your financial profile to build up a full picture of your financial history.

Payday Loans Online in New Zealand With Fast Approval

What does the above mean for you in practical terms?

It means a limited credit history won’t necessarily prevent you from getting a payday advance loan from us. And it means a bad credit history won’t necessarily prevent you from getting a payday loan from us.

You see, we know the score. Things can happen in life, change can catch us out, things can occur that are outside of our control. All of a sudden, you find yourself assessed as having a poor credit score by people who know nothing about the real you.

In fact, it’s worse than that – it’s usually a computer programme that makes the assessment. Then, when you go to a traditional lender, another computer programme talks to the one that assessed your credit score, and a decision is made – declined. Argh!

There is a better way – get a payday advance from the leading provider in NZ, Save My Bacon – that looks at your full financial profile. Apply today.

How It Works

At Save My Bacon, our payday advance process is the quick and easy way to get the short-term emergency money you need.

You can apply in just minutes for a Save My Bacon payday advance loan. No high-cost loans or hidden fees here! Just the cash you need to bridge the gap, when and where you need it!

Plus, there are lots of other great reasons to choose a payday advance loan from us. You can repay it early with no additional fees, and your loan with us can even help to improve your credit score!

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

Get started below with your application for a payday advance now!