Payday Loans New Zealand

If you are looking for payday loans in New Zealand, we offer alternative options under the umbrella of short-term credit. At Save My Bacon, we offer two main loan types:

  1. 1. Mini Loans – a little loan to get you by!

  2. A short-term loan with terms ranging from one to eight weeks. With our Mini Loan, you can borrow between $300 and $750. The AIR is 49.95%.

  3. 2. Flex Loans – power up your finances!

  4. This is a medium-term loan for periods of between eight weeks and one year. The AIR is 49.95%, and you can borrow between $1,000 and $5,000.

We are 100% online! Our loans could be the ideal solution if you are looking for payday loans online in NZ, as our whole process is completed quickly and efficiently on the web. Here’s the process:

  • Check out our eligibility criteria to make sure you can apply.
  • Complete the online application form on our website. This only takes a few minutes!
  • We’ll assess your application fairly, looking beyond things like your credit score to get a better understanding of your full financial profile. See further info on how we assess applications below.
  • You’ll be assigned one of our brilliant bacon superstar Customer Team members, who’ll be with you every step of the way.
  • We’ll keep you updated on the progress of your application via email, SMS and phone.
  • You’ll get a decision from us fast! We’ve developed a seamless process and sizzling tech that make it possible for us to assess loan applications quickly. You will get an outcome within hours!
  • Once we make a decision, we’ll pay the funds to your bank on the same business day. How soon you will have access to your funds depends on your bank, but it is usually no more than a few hours!

Why not get the process started? Review our eligibility criteria and start your application now.

Key Requirements to Apply for One of Our Payday Loans in NZ

There are a number of requirements you will need to meet to apply for one of our payday loans. You need to be 18+ and a New Zealand citizen or resident. You can also apply if you have a valid work visa. You also need a bank account, email account, mobile number and a method that we can use to verify your identification. The process is straightforward, and we explain every step.

What about income? Do you need a salary? If you are looking for payday loans in NZ this is an important question.

To apply for one of our loans, you need to have a regular and consistent minimum income of $400 per week. This income must be paid directly into your bank account.

Why do we have this requirement? There are several reasons, but one of the most important is your financial profile to determine loan affordability not just your credit score. At Save My Bacon, you are more than just a credit score.

As a responsible lender, we look at affordability and we make sure you have the info you need to make an informed decision. We take credit history into account, too, but we also believe that financially responsible people can find themselves in a position where they have a bad credit score. Assessing them just on their credit score alone is not fair, so we look deeper.

To do this, we need to look at things like whether or not the income you receive every month covers your monthly expenses. Then we can assess whether a Save My Bacon loan would be affordable for you, and that you will be able to comfortably pay back the repayments.

You can find out more about the other eligibility criteria that apply to our loan products by visiting our Do I Qualify page. We’re also here to answer any questions you have. Call us FREE on 0800 272 836 to speak to a member of our friendly Customer Team or send us an email at

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