From 26 March 2026 Cash Converters New Zealand no longer offers personal loans and has ceased accepting new personal loan applications. More information is available in our FAQ’s below. There is no change to existing personal loans. Customers can continue to manage and repay their loan as usual. Click here to login into your account.
There are no changes to your existing loan. Your existing loan arrangements will continue as they are. Click here to login into your account.
While we will no longer offer a personal loan product, we still want to support you. We have other cash options such as our pawnbroking loans or you can sell an item you no longer want to us . Please speak to one of our staff members at your local Cash Converters store to see how we can help.
Customer needs have shifted over time, and personal loans now represent a smaller part of our business. This change allows us to focus on areas where we can better serve customers, including our second-hand goods and pawnbroking services.
You can message us via our web chat, or submit a general enquiry here.
Your existing hardship arrangement continues as it is.
All applications submitted prior to 26 March 2026 are being processed in line with the existing application process and will continue to be actioned in the next week.
Some fees may apply:
• $15.17 default fee
This is payable to us per each scheduled direct debit repayment is returned to us unpaid by your bank.
• $17.15 final notice fee
This is payable if we need to write to you providing notice that your loan is in default and enforcement action may commence.
• $8.35 pre-payment fee
If you choose to pay the balance in full before the final date is due, an administration fee applies. This is towards the costs of finalising your loan. You will not pay this fee if you are finalising your loan as part of a new loan application with us.
• $2.90 variation fee
This applies if you ask us, and we agree, to change the terms of your loan agreement including changes to repayment methods and schedules.
• Debt collection fees
If you breach your loan agreement, we may engage a third party to recover outstanding funds and you will be required to pay the fees charged by the third party.
Please contact us if you can’t make a payment – we can talk about your options and adjust your repayments. Our friendly Customer Service team are here to help.
If you are going through some financial hardship, please contact us as soon as possible. We will do our best to work with you and support you through the hard times.
Loan Amount
Loan Term
Fees & Interest*
Repayment Cycles
Method of Payment
$500 – $5,000
3 – 24 Months
• 49.95% per annum
• $150.75 establishment fee
• $1.82 weekly account keeping fee
• $8.35 prepayment fee
Repayments can be made weekly, fortnightly, or monthly depending on your pay cycle
Funds transferred to your bank within minutes once loan offer accepted
*Additional fees, such as default fees, final notice fees, or debt collection fees can apply if you miss a payment or do not comply with the terms of the loan agreement. These fees will be clearly disclosed upfront in your loan agreement and can be found below and in the FAQ.
Our Personal Loan is simple to understand. To show you just how simple it is, you can view a sample of our standard Personal agreement here. If something doesn’t make sense of you have a question, feel free ro contact us and we’ll be more than happy to help.
Download a sample copy of our Personal Loan Agreement
Download a sample copy of our Privacy Statement
