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. 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. 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.

Personal Loan Application Requirements: What You Need to Know

When you're in need of money for expenses a personal loan may be the solution. Applying for a personal loan is a straightforward process with clear lending criteria. Here are the requirements you need to fulfill:

  • - Age and Residency: You must be over 18 years old and a current resident of New Zealand.
  • - Valid ID: A valid photo ID such as a passport or New Zealand driving license is required.
  • - Citizenship/Visa Status: You need to be a New Zealand or Australian citizen or resident, or hold a valid work visa.
  • - Employment: You must be employed full-time or part-time for at least three weeks with your current employer and earn a minimum of $300 per week.
  • - Financial Conduct: Your bank statement and credit history must not indicate existing debt problems.
  • - Verification of Personal and Financial Information: We must be able to verify your personal and financial information
    including employment, income, expenses, and any other liability.
  • - Active Bank Account: You must have an active bank account with at least three regular payroll transactions.
  • - Internet Access: Our loan application process is 100% online, so you need to have access to the internet.
  • - Active Mobile Number and Email Address: You must have an active and registered mobile number and email address under your name.

By meeting these requirements, you can apply for a personal loan with SeedCash.

Personal loans with no hidden costs

Establishment fee:

$175 ~ $300

Early repayment fee:

$0

Loan limit:

$1K ~ $20K

Your Guide to Applying for a Personal Loan in NZ with SeedCash

Looking for a hassle-free process to apply for a personal loan in NZ? SeedCash makes it easy to apply online, with a simple and straightforward process that can get you funds transferred into your bank account the same day once you're approved. Here's what you can expect:

Submit Online Application

Our online loan application takes just 5 minutes to complete.

Get an Initial Decision

We'll verify and assess your application details and provide you with an initial decision once we complete the assessment of your loan application.

Sign Your Loan Documents Electronically

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

Receive Your Funds

Once your loan application is finalized, we'll start the funds transfer process to your bank account the same day.

Experience a hassle-free and convenient way to apply for a personal loan in NZ with SeedCash.

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 Terms and Repayment Plans for Personal Loans in NZ

SeedCash offers flexible loan terms from 9 to 60 months, with the possibility of getting up to $20,000 transferred on the same day upon approval, and a customer service team dedicated to finding the best loan to fit your financial needs, all provided through a simple and easy online application process.

Our unsecured loans come with a fixed interest rate and simple repayment plans that can be scheduled on a weekly, fortnightly, or monthly basis, with access to a Loan Dashboard that displays your loan balance and future repayment amounts.

We take pride in personalising our loans to match your individual needs, making the repayment process straightforward and stress-free. With SeedCash, you can easily make your loan structure managable and repay your loan at a rate that works best for you, all while enjoying affordable and convenient service.

Read all Seedcash reviews

10,365+

FACEBOOK RECOMMENDATIONS

250+

FIVE STAR REVIEWS

4.9

AVERAGE RATING OUT OF 5

Frequently asked questions

View more
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