Fast Emergency Loans in New Zealand

Seeking an Emergency Loan?

Need an emergency loan with a NZ financial service provider? SeedCash is a 100% kiwi owned and operated money lending business, we make the emergency loan application process easier for New Zealanders like you.

Emergency loans may be required for many reasons, including servicing or fixing your car, emergency flights, medical bills, home bills and sudden unexpected costs. Apply for quick loans with SeedCash’s easy online process and our helpful team contact you about your emergency loan. An emergency loan then allows you to pay the cost off at your own pace, as per the loan agreement, and we will liaise with you to make sure you receive a loan manageable for your circumstance.

At SeedCash we also understand that life is unpredictable, one your initial loan contract is paid off you can reapply for another cash loan at any time. By sending a free text to our 0808 number, you will have your own personal pin and option to apply for instant cash, personal loan, small loan or new emergency loan to be reviewed by our helpful SeedCash team.

Your Emergency loan NZ application process is made simple and achievable through SeedCash.

We all have emergencies..

Take control of your finances with a Seed Cash loan, we make sure you completely understand the process when it comes to seeking an emergency loan. Fill out your online application, we will evaluate your credit history and have your loan contract approved in a simple, hassle-free process. Allowing easy and fast access to emergency funds, upon approval.

To start the process check our "The Process of Applying" section below. We may help to evaluate your finances, and receive a manageable loan to take care of those unexpected expenses or bills. Our team is dedicated to providing a prompt and efficient service. Seek an Emergency Loan, with no hidden fees. An emergency loan can be sought for a whole range of valid reasons, including:

  • - Household costs or urgent household repairs.
  • - Car maintenance or fixing expenses.
  • - Hospital or emergency bills.
  • - Unpaid bills or missed payments.
  • - Vet Bills.
  • - Bond, Moving Costs or Rental Costs.
  • - School Expenses
  • - Immigration or passport fees.
  • - Other sudden unexpected costs.

Cash Emergencies happen. We are here to help. Apply with Seed Cash today!

Once you receive your loan approval confirmation, we can get a cash loan loaded to your account as soon as possible. Our team will work with you to assist in receiving an emergency loan quickly and guided by responsible lending criteria and inquiry guidelines.

Get Quick Financial Aid with Seed Cash

Looking for emergency loans in NZ? Seed Cash can help! Our emergency loans are designed to provide quick and easy financial aid to individuals in need. With our easy online application process, you can get approved for a loan of up to $20,000 with interest rates starting from just 14.95% p.a. - 49.95% p.a. As local lending professionals, we make the process simple and transparent, with no hidden costs.

At Seed Cash, we understand that every borrower's situation is unique, which is why we personalize every loan to suit your individual needs. We are committed to providing you with the best possible lending experience, delivering on our mission to be the quickest and most competitive lenders in the business. You can find all information about our fees on our website.

Plant a seed with us today and get your emergency loan application started. Don't let financial stress hold you back any longer – apply now with Seed Cash, the trusted name in emergency loans in NZ.

Quick Online Application

Complete our easy online application form in just 5 minutes.

Fast Cash up to 20,000$

Get the emergency cash you need with streamlined lending of up to $20,000 (subject to criteria, terms, and fees).

Easy Repayments

We assess each loan individually and tailor repayments to suit your needs.

No Hidden Costs

We provide up-front disclosure of all fees with no surprises, so you can borrow with confidence.

The Requirements Needed for Personal Loan Application

A personal loan is a type of unsecured loan that is used to cover expenditures or investments that are not covered by other types of loans.
The requirements and normal lending criteria for personal loan are straightforward.

  • - You need to be over 18 years old;
  • - You need to be currently residing in New Zealand;
  • - You need to have a valid photo ID (any passport or NZ driving license accepted);
  • - You need to be a NZ/AU Resident/Citizen or hold a valid work visa;
  • - You need to be working full-time/part-time for at least three weeks with your current employer;
  • - You need to be earning at least $300 per week;
  • - Your financial conduct, as shown on your bank statement and credit history, must not indicate that you have existing debt problems;
  • - We must be able to reasonably verify your personal and financial information including employment, income, expenses and any other liability;
  • - You need to have an active bank account with at least three regular payroll transactions;
  • - You need to have an access to internet as our loan application process is 100% online;
  • - You need to have an active and registered mobile number under your name;
  • - You need to have an active email address;

Immediate Emergency Loans with no hidden costs

Establishment fee:

$175 ~ $300

Early repayment fee:

$0

Loan limit:

$1K ~ $20K

The Process of Applying and What to Expect

It’s surprisingly easy to apply online for a loan with SeedCash. Fill-up and submit our online loan application form and we will get in touch with you to go through the application.

The process of applying is simple and straightforward. You can submit your application online and receive an initial decision once we complete the initial assessment.
If you're approved, you can electronically sign the contract and funds will be transferred online the same day.

Submit Online Application

Our easy online loan application takes just 5 minutes to complete.

Get Initial decision

We would verify and assess your application details; and get back to you with a decision once we complete the assessment of your loan application.

Sign Contract Online

You will use our convenient and easy-to-use solution to sign your loan documents electronically.

Funds transferred

Once your loan application is finalized, a funds transfer process to your bank account will start on the same day.

Our Fee’s Guide

Small Cash Loan

Between $1,000 - $3,000

Establishment fee:
$ 175
Interest Rate:
14.95% ~ 49.95% per annum
Loan restructure fee:
$ 60
Overpayment refund fee:
$ 8
Deposit processing fee:
$ 3
Payment default fee:
$1.80 per day in arrears
Default interest rate:
your interest rate + 0% p.a
Early repayment administration fee:
$ 0
General administration fee:
$ 10
Letter sending out charge:
$ 10
Wage deduction assignment:
$ 30
Direct debit cancellation fee:
$ 30
Collection agency fee:
20% of overdue balance

Medium Cash Loan

Between $3,100 - $5,000

Establishment fee:
$ 240
Interest Rate:
14.95% ~ 49.95% per annum
Loan restructure fee:
$ 60
Overpayment refund fee:
$ 8
Deposit processing fee:
$ 3
Payment default fee:
$1.80 per day in arrears
Default interest rate:
your interest rate + 0% p.a
Early repayment administration fee:
$ 0
General administration fee:
$ 10
Letter sending out charge:
$ 10
Wage deduction assignment:
$ 30
Direct debit cancellation fee:
$ 30
Collection agency fee:
20% of overdue balance

Large Cash Loan

Between $5,100 - $20,000

Establishment fee:
$ 300
Interest Rate:
14.95% ~ 49.95% per annum
Loan restructure fee:
$ 60
Overpayment refund fee:
$ 8
Deposit processing fee:
$ 3
Payment default fee:
$1.80 per day in arrears
Default interest rate:
your interest rate + 0% p.a
Early repayment administration fee:
$ 0
General administration fee:
$ 10
Letter sending out charge:
$ 10
Wage deduction assignment:
$ 30
Direct debit cancellation fee:
$ 30
Collection agency fee:
20% of overdue balance

Loan Repayment and Loan Terms

Loan terms

Loan could be from 9 to 60 months. You can get up to $20,000, the same day transfer upon approval. Our excellent customer service team will come up with the best loan possible to correspond your financial needs. We don't provide secured loan or instant finance, but our excellent customer service can help you with the best loan possible.

Loan Repayment Schedule

SeedCash is a finance company that provides unsecured loans with fixed interest rate. Loans could have weekly, fortnightly or monthly repayment. You can check your loan balance and repayment amount when you login. Loan Dashboard will provide loan balance and future repayment amounts.

Simple, Straightforward Repayment Plans

With Seed Cash we tailor our loan to help you achieve your loan objectives. By personalising your loan to your circumstances, we streamline the entire process from start to finish, with flexible options to suit you and your payday. It’s all done easily online for the speed of service and convenience we offer.

This process of working alongside our customers makes it easier for you, and for us to get the ball moving. Once we get a brief assessment of your monetary situation and then approve your loan, it’s a simple matter of repaying the loan at repayments amount that works best for you. We pride ourselves on delivering service with the affordability and convenience.

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Frequently asked questions

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We take pride in providing fast service and endeavour to apply our credit criteria and perform responsible lending checks as soon as we receive your application. Our aim is to complete the processing of all pending loan applications within 24 hours.
SeedCash typically provides personal loan if you meet the following (but not limited-to) requirements:
  • You need to be over 18 years old;
  • You need to be currently residing in New Zealand;
  • You need to have a valid photo ID (any passport or NZ driving license accepted);
  • You need to be a NZ/AU Resident/Citizen or hold a valid work visa;
  • You need to be working full-time/part-time for at least three months with your current employer;
  • You need to be earning at least $300 per week;
  • You need to have an active bank account with at least three regular payroll transactions;
  • You need to have an access to internet as our loan application process is 100% online;
  • You need to have an access to your internet banking (optional if you are seeking a loan of less than $1500);
  • You need to have an active and registered mobile number under your name;
  • You need to have an active email address;
If you do not fulfil all above requirements then you may not qualify for a SeedCash loan – if you’d like us to explain why, please contact us.
Our personal loan terms range from 4 weeks to 5 years, and you need to choose the loan term depending on factors like your repayment ability and cash flow needs. The longer the term is, the lower your repayments will be over time, but the more interest you’ll pay. The shorter it is, the higher your repayments will be. This means you’ll pay less interest over time, because there will be less time for interest to be charged.
Our fee structure is transparent. We provide an online Loan Calculator to help determine the cost of your loan. Our Calculator gives you approximate repayment amounts for the details you enter at an example rate of 21.95% p.a. Our personalised interest rates are from 14.95% p.a – 49.95% p.a fixed based on your unique circumstances. Repayment figures in the calculator will vary based on your pay date and your personalised interest rate. You can enter various amounts and repayment dates prior to proceeding with a loan application. This way you can see what you will be paying back before you apply. Please see Our Charges section.
Repaying your loan to SeedCash is as easy as pie. We’ll direct debit your account in the evening of your dated installment for the amount according to the repayment schedule you’ve chosen. Make sure you’ve got money in there on the specified day(s) or until debited successfully to avoid default penalties.
If we’ve agreed to accept your manual repayment(s); then you can make payment(s) using internet banking. Please contact our office to get more information.
YES – We encourage our customers to repay their SeedCash loan as early as possible! We do not charge any additional pre-payment fee, prepayment penalty or premium. Please note that Interest is accrued on your loan daily, based on the outstanding balance; therefore under some circumstances paying your loan in advance means you will incur less interest. Simply contact our customer service team on 0800733328 for a final balance figure on your loan.
Our customer service team is available between 8:30am and 5:30pm Monday to Friday on 0800 7333 28 (excluding public holidays). Alternatively you can also email us at: info@seedcash.co.nz. We always aim to respond to any email queries within 24 hours during the week. If you contact us over the weekend or on a public holiday, we’ll be in touch with you on the very next business day.

Apply online now and get cash on the same day of approval

Contacts

if you have any questions feel free to contact us for any business, media, or personal inquiries:

Address

address
  • Level 18, Huawei Centre, 120 Albert Street, Auckland Central, Auckland 1010, New Zealand
  • PO Box 6620, Victoria Street West, Auckland 1142, New Zealand

Phone

phone number
  • Phone: 0800 7333 28  (SEED 2U)
  • Hours: 8:30AM to 5:30PM (Monday to Friday)

Email

email list