Rating based on 2 reviews

Just Cash


  • Instant loans up to $1,000
  • Low-interest up to 227%
  • Repayment up to 45 days

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

About Just Cash

Just Cash offers loans to New Zealand citizens in their time of need. We know that when you apply for a loan you would like your outcome as quickly as possible.

We offer same-day loans and same-day approvals so you can get back to the important things in life and stop stressing about money issues. First-time clients can borrow between $100 and $1,000 to up to 45 days to repay the loan.

Apply online in half the time

If you have an internet connection you can apply for a loan in only a few minutes, simply apply online any time of the day or night, we will give you an outcome within a few minutes and let you know the amount that you qualify for. Upload a copy of your last month’s bank statement or your latest pay slip and we will do the rest.

Rewards for returning customers

The first time that we lend you money we are taking a risk on you to see if you will repay the loan without any problems. This means that we will only lend you a small amount of money over a short period of time.

The next time you apply for a loan you will qualify to borrow more money over a longer period of time and your application process will be even quicker. You will be assigned a unique pin so that in the future, you can simply apply for a loan by sending us a text message.

Your credit score will not affect your application

If you have a bad credit score or a bad credit history you are still welcome to apply for a loan. Our loans do not require a credit check so your bad credit will not have any impact on our decision.

Returning customers will qualify to borrow even more money each time and can use their good payment habits to raise their credit score and develop a good payment history.

Just Cash Services

We are so sure that you will be happy with our service that we will put our money where our mouth is and offer you your first loan completely free of charge.

No interest fees, no extra charges or establishment fees, in fact, you will only be required to pay back the exact amount that you borrowed.

How the process works

The first time that you apply for an instant loan you will be able to borrow up to $200 this loan needs to be repaid within 7 to 25 days. This loan is a test loan to make sure that you are not a risky person to lend money to. Once you have proved yourself and paid off the first loan, you will be assigned a unique pin number.

Your pin number means that you will never have to complete paperwork again, you can request a loan via text message and you will qualify to borrow up to $1,000. The money will be transferred directly into your account within 24 hours.

Finding the right loan to suit your needs

There are many different instances when you could require a loan, if you lose income due to illness and not being able to work, if you need some money to make ends meet while you are between jobs or have a medical emergency the faster you get the cash the more happy you will be.

To determine which loan option would best suit your needs you will have to ask yourself the following:

  • How much money will I need to borrow?
  • How much could I afford to pay back each pay cycle?
  • How long would it take me to repay the loan?

Once you know what your requirements are it will be easier to find the perfect loan solution.

Just Cash Product Details

  • Loan Type Instant loans
  • Interest Rate 227%
  • Loan Amount up to $1,000
  • Repayment 7 days to 45 days

Summary of Services

  • Apply with a bad credit history
  • Flexible and affordable unsecured loans
  • Quick and easy online applications

Just Cash offers emergency cash loans in minutes

When you need cash in an instant, then our instant cash loans are the solution for you.

Apply for an instant loan via our website by completing the online application form and once your loan application is approved, we will transfer the money to your account immediately.

Easy loan approval on instant loans

Instant loans don’t have very strict lending criteria and as long as you are over the age of 18, a permanent citizen of New Zealand and have a stable income as well as a valid bank account your loan application will probably be approved.

Figuring out the figures

To help you determine how much you would need to borrow you can use the loan calculator that is available on the website. After in putting a few figures the loan calculator will automatically calculate your instalments on the amount that you would like to borrow.

Payday loans must be repaid by your next payday, while short-term loans allow you to borrow a larger amount of money over a longer period of time.

Simplify your life by consolidating your debt

If you have multiple accounts and bills and you are struggling to pay off your debt, then a debt consolidation loan might be what you are looking for. We will pay off all your debt on your behalf. You will then only need to repay us. This will save you time, effort and money.

Customer Reviews & Testimonials

Just Cash had a variety of loan options to choose from, I was able to get my loan and pay it back within a month.

Ryker K
— Gisborne —

I completed my application and received approval the same day, the next morning I could access the funds.

Boyd W
— Christchurch —

Just Cash Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 33-1009, Takapuna, 0740, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed