Get $100-$1000 Cash in as Fast as 4 Minutes.
Zero Interest & No Fees on your First Loan! Bad Credit OK! No Employer Contact!

Ferratum Unsecured Same Day Loans - Fast Cash Loans and Quick Payday Loans & Instant Payday Advance & Easy Cash Advance

Looking for quick cash loans NZ or fast payday loans NZ? Or do you want a same day payday advance NZ or instant cash advance NZ?

Video - Process with TEXT LOAN 




No Hassles!

No Fees!

No Interest on your first loan*!


Ferratum Quick Cash Loans, Fast Payday Loans, Instant Payday Advance & Same Day Cash Advance!

Get payday loans, cash loans, payday advance & cash advance online or via TXT with Ferratum - the specialist in easy, quick, fast, instant and same day loans NZ.  Bad credit loans are also available!

Online or via TXT?

Ferratum offers as quick as 4 minute cash loans, payday loans, payday advance & cash advance. Choose an unsecured short term loan of $100 to $1,000 repayable over 7 to 45 days.

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

* For No Fees & No Interest on your first cash & payday loan, you must have a good credit record. A bad credit record holder is not eligible for a free cash & payday loan.




Simply apply!

Be approved!

 Amazing loan process speed!


Refer your friends to us!

Once you become a customer, you can refer your friends and workmates for our Ferratum fast cash loans, quick payday loans, instant payday advance & same day cleared cash advance and you could win prizes worth up to $2,000

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 a Ferratum quick loan now, refer a friend and be in to win.

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


  • "My bank, which I have belonged to for over 20 years, charges $50 to extend my credit $100 for less than 7 days. Far too much! I believe your service is a lot fairer than that and will certainly use it over the one offered by my bank."
  • "Once again, you deliver with your excellent service and speed. New Zealand companies could learn a lot of Ferratum especially regarding Customer Service."
  • "I am very happy with your service and the speed I was able to access the funds. No long winding forms or lengthy processes. Thank you once again for helping me out when I needed it."