Get a Fast Personal Loan in New Zealand
Personal Loans in New Zealand with SeedCash
Welcome to Seed Cash. We’re a proudly 100% kiwi owned and operated business giving kiwis just like you the financial freedom they need. Here at Seed Cash we provide you with the support and financial assistance at the fastest time as possible (subjected to our responsible lending criteria).
Personal loans are a great way to get the money for any personal needs. They are quick and easy to apply for, with some companies having an online application form that can be completed in minutes. You can use our calculator below.
A personal loan is a loan that is given to an individual person, as opposed to a company or business. These loans include mortgage loans, car loans, home renovations, installment loans, education loans, wedding loans, payday loans and others. That also could be debt consolidation loan for you.
With our service and flexible interest rates in New Zealand, you can always rely on Seed Cash whenever your money plants need a little watering. They say money doesn’t grow on trees, we have the seeds to get money for you! Providing personal cash loans up to $20,000, use our personal loan calculator and check below if you're eligible to apply for a loan with us. Or you can apply online now.
So… You need a Personal Loan?
Seed Cash puts you in the driver’s seat when it comes to getting you sorted with an unsecured personal loan. Literally! Fill out your application, we can have your loan approved if you qualify and all checks are made. Usually, it all can be done within the same day. To get more information check "The Process of Applying" section below. We can help you get on top of your finances, taking care of those unplanned expenses or bills. Our team is dedicated to provide a service with the haste and efficiency. Personal loan cash when you need it, with no hidden fees. We can provide you with a personalised loan for a whole range of valid reasons, including:
- - DIY project around the house?
- - Loans for vehicle maintenance/ modifications?
- - Emergency loans in unexpected times?
- - Help with household appliances or furnishings?
- - Needing a holiday? Take a break!
- - Purchasing tools/utensils you need for the job?
- - A change in your financial events?
We can always help. Get what you need now. Apply with Seed Cash today!
Our all-online application process ensures you’ll be sorted in no time. Once approved, we can get your cash loan loaded to your account, ready for you in just 10 minutes. We know your time is important at Seed Cash, that’s why our dedicated team of professionals make it their mission to ensure every customer is given the speed and efficiency of our ultra-fast cash loans.
Why Seed Cash?
We have some pretty convincing factors for you to get your loan with us. Not only we have a quick online application process and no hidden costs! Loan interest rate starts at just 14.95% p.a. - 49.95% p.a., we offer you the competitive edge in getting a personal loan. Our loans can be approved up to $20,000. You can find all information about our fees right here.
Our loans are personalised to your situation and to financially aide you the best way we can. We value your time and always deliver on our mission to be the quickest and most competitive in the business. Plant a seed with us today and get your application started now!

Quick Online Application
Quick and easy online application form, that takes only 5 minutes to complete.

Fast Cash up to 20,000$
We provide a streamlined experience for getting quick cash loans of up to $20,000 (responsible lending criteria, Ts&Cs and fee apply).

Easy Repayments
We assess each loan application individually and ensure loan repayments are affordable for you.

No Hidden Costs
We provide up-front disclosure of all fees with no surprises. 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;
Personal loans with no hidden costs

Establishment fee:
$175 ~ $300
Early repayment fee:
$0
Loan limit:
$1K ~ $20KThe 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 in minutes
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
- Transaction 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
- Transaction 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
- Transaction 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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AVERAGE RATING OUT OF 5Frequently asked questions
View more- 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 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.
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

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

- info@seedcash.co.nz – for general enquires
- loan@seedcash.co.nz – for loan processes
- collections@seedcash.co.nz – for loan repayments