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.

Loan Calculator

How much do you need?

$1,000 $20,000

For how long?

9 Month 36 Month

12 weekly Repayments

each of
$115.68
Calculated at an example rate of 21.95% p.a.
Our personalised interest rates are from 14.95% p.a – 49.95% p.a
* Warning: This repayment estimate is just a guide, is true only for the example selected and will vary based on your pay date and your personalised interest rate

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 ~ $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 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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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