Confidential, fast & friendly loans

New customer? Borrow $100-$300 now! No fees & No interest on your first loan!*

How much? $ 500

How long? 24 days

Loan amount
$ 500.00
Loan term
24 days
Due date
Total amount repayable
$ 702.50

  • Apply Online
    in minutes
  • We will process
    your application
  • Receive your loan
    when approved!
  • Re-Apply by TXT
    after repaying the loan

Call Me Now(You will be connected to us at no cost!)

Experience Our Free Loan!

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Short Term Financial Needs?

We offer short term unsecured personal loans up to $1,000 repayable over 7 to 45 days.  Terms available do differ based on the amount you need.  The approved personal loan amount depends on your credit score.  

We will tell you upfront what the full cost of your Payday Loans, Cash Loans, Payday Advance & Cash Advance will be. There are no hidden charges.

A short-term loan also known as a microloan, cash loan, payday loan, cash advance and payday advance, can help with occasional cash flow problems. It can help to tide you over for a few days or weeks. Bad credit loans are also available!

Payday Loans, Payday Advance, Cash Loans & Cash Advance should be used only for short-term financial needs and is not appropriate for long-term borrowing or if you are experiencing financial difficulties.


Online or via TXT?

Get cash payday loans, payday advance loans,  cash advance loans and payday cash loans online or via TXT with Ferratum. Ferratum is a short-term loan lender in the payday loan, payday advance, cash advance and cash loan markets in NZ.

We are unique as existing customers can obtain a quick cash loan & instant payday loan simply by sending a TXT from a mobile phone or applying online - quick process without the need of any paperwork.  If you are a first-time customer, please first visit How To Apply and FAQ.


Apply for a loan & Win a Tablet!


Re-Apply By TXT?

Ferratum provides existing customers with the ability to use their TXT Loans – or Mobile Cash Payday Advance Loans – service.  

This is a straight-forward and stress-free application process that is carried out with the sending of a TXT message from a previously registered mobile phone. Existing customers can apply for a loan, simply by texting the keyword “LOAN” and the amount to 8778

Here is an example: LOAN<space> Amount<space> Term<space> Dedicated PIN  => LOAN 1,000 45 12345

Refer your friends to us!

Once you become a customer, you can refer your friends and workmates to our Ferratum fast cash loans online NZ, quick payday loans online NZ, instant payday advance loans online NZ & same day cleared cash advance loans online NZ and you could win prizes.   

You can check MY PAGE to access your referral statistics using your mobile phone number and dedicated PIN.  Redeem your rewards at any time.   Apply for Ferratum's simple quick payday cash loans & fast  cash payday loans now, refer a friend and be in to win.

* For No Fees & No Interest on your first cash & payday loan, you must have a good credit record and you must repay your free loan on or before the agreed due date. A bad credit record holder is NOT eligible for a free cash & payday loan.

*Terms and Conditions apply. Offer is for a limited time only.