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We make loans simple

We approve more people every day so you can get on with life.

Cash Converters Personal Finance offers simple solutions for when you’re short on cash. You can apply in-store, online or on our mobile app. The process is straightforward so you spend less time filling out forms and waiting for approval, and more time doing the things you really want to do.

Need a loan but can't get to a Cash Converters store?

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We give you the freedom to borrow from $500 - $5,000 from 3 - 24 months.

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We understand speed matters. Our loan application is quick and easy to complete.

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There are no hidden fees with our loans. We're upfront with all of our costs.

Why borrow from us

Unexpected costs happen to all of us. It could be a flat tyre, a trip overseas or school supplies for the kids. No matter the situation, when it happens, you'll find yourself short on cash and need a quick, convenient and reliable solution to get you through. That's where our Personal Loans can help.

We help thousands of Kiwis with small loans every week. We're flexible, we work fast and are upfront about our costs and loan terms - which is what our customers need.

We take our responsibilities as a lender seriously and only lend money to people who are in a financial position to make repayments comfortably.

Personal Loans

If you need a convenient small loan, with variable amounts and flexible repayment terms, then a Personal Loan is the ideal cash solution for you. Available online and in our stores, a Cash Converters Personal Loan:

  • Is available from $500 to $5,000 repaid over 3 to 24 months
  • May require a credit check but perfect credit history is not needed
  • On approval, gives you money in your bank account within 24 hours (on business days)

Find out what the requirements are for a Personal Loan.

We are a responsible lender

Cash Converters practices responsible lending to ensure our customers receive the financial help that they need for their financial circumstances.

We're here to help make sure your Personal Loan is right for you. We closely look at the information you have provided in your application as well as enquire about why you need the cash loan, how much you need to borrow and if you have any other existing debt. In addition, we'll need you to provide proof of ID, proof of address and proof of your income and expenses.

If approved, it's importatnt to know exactly where you stand with your loan repayments. We keep the loan and repayment structure nice and clear by explaining exactly what you have to pay and by when.

Unlike most lenders, Cash Converters bear the entire risk associated with our Personal Loans. This means customers do not provide any form of security.

Our model works to make sure our customers have capacity to repay their loans.


Cost of borrowing

We're here to help you get on with life when you're unexpectedly short on cash and part of that means making sure you understand how a Cash Converters loan works.

We have a long-standing reputation for transparent, responsible and ethical conduct in New Zealand, so what you see is what you get. No hidden costs or surprises.

Our Cash Converters Personal Loan has an Annual Interest Rate (AIR) of 49.95%. Interest rates are fixed for the term of the loan. Interest is calculated daily and applied monthly to the outstanding loan balance.


$145 - $195 Establishment fee
This is to process, assess and approve your loan application and will only be charged if your application is approved.

Loans from $500 - $1,400 incur an establishment fee of $145 and loans of $1,500 and over incur an establishment fee of $195.

Other Fees

$4 Weekly account keeping fee
This is towards the ongoing administration costs for your loan.

$20 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.

$30 Prepayment 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.

$13.95 Default fee
This is payable to us if a scheduled direct debit repayment is returned to us unpaid by your bank.

$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.

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.


Standard contracts

Our loans are simple to understand. To show you just how simple they are, you can view a sample of our standard form credit contracts.

If something doesn't make sense or you have a question, feel free to contact us and we'll be more than happy to help.