Rating based on 71 reviews

Cash Train


  • Instant loans up to $1,500
  • Low-interest up to 365.25%
  • Repayment up to 38 days

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Cash Train homepage

Author Cash Train. Screenshot of Cash Train website. [Accessed April 17, 2018]

About Cash Train

With Cash Train, you can get a quick short term loan and use it conveniently and safety. Our service is fast, trustworthy and transparent. There are no hidden fees to worry about.

Our management has combined experience in the consumer credit industry of over 60 years. We have a 24-hour guarantee on our loans. If you have a change of heart, you can inform us within 24 hours and repay the borrowed amount.

A registered financial service provider

Cash Train is the trading name of First Stop Money Pty Ltd, which is part of the Australian PAID International Ltd. We are a registered financial service provider in New Zealand.

We participate in the scheme for external dispute resolution provided by Financial Services Complaints Limited. Together with our parent company, we help more than 5,000 people every month.

Cash Train Services

Deal with unexpected expenses in the most effective way by using the instant loan solutions of Cash Train.

Get the money which you need now and repay it on your next payday. It is that simple. There are many reasons why consumers in New Zealand turn to us. Whether you have to make urgent car repairs or organise a party for a special someone, we are here to help.

We will meet your short term financial needs

We welcome applications from New Zealand residents who are over 18 years of age and earn a monthly income of $1,300 or higher. We have a short and simple online loan application process. Once you apply, we will inform you of our decision within minutes.

Cash Train Product Details

  • Loan Type Instant loans
  • Interest Rate 365.25%
  • Loan Amount up to $1,500
  • Repayment 10 days to 38 days

Summary of Services

  • A transparent loan service
  • Quick loan payouts

Instant loan approval means instant cash! And we are here to provide you with exactly that

Cash Train in Tauranga offer an answer for New Zealanders who Need Emergency Cash Fast. We offer our clients emergency loans ranging from $100 to $1000 repayable over adaptable terms of 16, 21 or 30 days.

For the comfort of our customers we offer Direct Debit reimbursement arranges. This permits you to spare time on hurrying to the bank each month to pay your advance. Every one of our procedures is electronic, including our straightforward and snappy online application process.

A transparent lender that lets you know where you stand

Once your application is finished, which just takes a couple of minutes of your time, you will instantly know all the fees and rates which are included, and how much money you will need to repay each month or week. We will do all the calculations for you so you know precisely what is going on once you are approved.

We may do a few minor checks to see if you are able to manage your payments comfortably and see if you are liable for a quick loan. But these are all normal checks to ensure we don’t give you the cash you cannot afford to pay back.

Our loans are fast!

We are ever increasing our ability to speed up our financial offerings, and ensure that our clients get the very best quality service from Cash Train. Thousands of happy customers will speak highly of our generous options and ability to adapt and customise our instant cash loans according to each of our client’s needs.

Should you meet the basic straightforward criteria, of being more than 18 years of age, be a permanent resident in New Zealand, and have a month to month wage going into your bank account. We see no other reason why you shouldn’t qualify for some emergency cash!

Customer Reviews & Testimonials

I found the online calculator very useful in helping me see just how much the loan will cost me over my chosen term.

Weldon N
— Rotorua —

I have used Cash Train more than once and each time the money has been paid into my account in under 24 hours.

Gyles M.
— Tauranga —

Cash Train Contact Details

Physical Address

Postal Address

  • PO Box 22, Seventh Avenue Mail Centre, Tauranga, 3140, New Zealand

Opening Hours

  • Monday 11:30 – 20:00
  • Tuesday 11:30 – 20:00
  • Wednesday 11:30 – 20:00
  • Thursday 11:30 – 20:00
  • Friday 11:30 – 20:00
  • Saturday – Closed
  • Sunday – Closed