First Time Customers Could Borrow up to $800
* Loan costs do not include the $1.40 direct debit fee, as this charge will depend on the number of direct debits based on your pay frequency
handyCASH's payday loans are there for you when you need them most. With a simple application process and an instant online offer, they're simple, convenient and easy to use.
To save time before you apply, you can check if you qualify. If you're at least 18, resident in New Zealand and have an income paying you at least $1,300 per month directly into your bank account, there's a good chance you will qualify with handyCASH.
Once you've completed the online application form, we'll make an instant offer if we can help. You can sign your payday loan contract online without stepping away from your computer (you will need your cell phone handy as we'll send you a unique code to sign the contract for your security).
We will need you to send over a copy of your driving licence or passport as ID and your signed Direct Debit Form. You can scan and email these to email@example.com or even take a photo of them on your phone and email them from there!
Once we’ve confirmed all your information, we’ll send you an email to tell you your loan has been funded. We fund all loans within 3 hours of approving the loan. Normally it only takes a few hours from there to hit your account but it can be longer depending on the time of day, who you bank with or if we approved you at the weekend.
If you want more information before you apply for a fast payday loan from handyCASH, use the navigation below to see more about the benefits, hear what others say about us or check out our fees.
This website only offers short term loans. Short term loans can be expensive and may not solve your money problems. There may be cheaper borrowing options and/or other assistance available to you. For example, if you are on Government benefits, ask if you can receive an advance from WINZ. To decide if this product is right for you, please review our website carefully.