Rating based on 35 reviews

Cash Train

  • Payday loans up to $1,500
  • Low-interest up to 365.2%
  • Repayment up to 38 days

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Author Cash Train. Screenshot of Cash Train website.
[Accessed March 6, 2023]

About Cash Train

Obtain a payday loan in no time!

At First Stop Money Pty Ltd trading as Cash Train you will enjoy fast, friendly and stress-free assistance in record time. They specialize in short-term payday loans that will help you out when you need cash in a hurry. Enjoy convenient, simple and straightforward loans that are easy to understand.

Enjoy getting the cash you need from a reliable and trustworthy company that has been in the financing industry since 2003. Access world-class service from a team that has more than 60 years of combined experience in providing sophisticated financial solutions.

Transparent and trustworthy loans NZ

Cash Train is upfront and extremely transparent about their charges, so you will know exactly what and when you will pay before you accept the agreement. You can also make use of their online calculator to get a better idea of how much your loan will cost altogether or you can look at Loan Costs on their page for more data.

If you change your mind, they have a great option where you can cancel the loan if you decide against it within the first 24 hours, and pay back the amount received without any fees. Besides payday loans nz, they also provide a list of other financial options for you to choose from.

Cash Train Services

Hop on the cash train and borrow up to $1,500 and enjoy a peaceful journey over 10 to 38 days with a low-interest rate of up to 365.2%.

These online loans are specifically designed to resolve all kinds of cash emergencies you might have during the month. Maybe you need money for a funeral, pay for dental treatment, a new fridge, a car repair, or a birthday party, they can help you to sort out your cash needs today!

If your credit score is not so good

Maybe you’ve missed a few payments on your existing debt and are concerned that if you will be denied approval, don’t be, as they will still assist you, despite your credit score. If you can afford the repayments, you are good to go.

Fast processing

Get the service you deserve from good people with good values that will listen and care about resolving your financial problem.

Automated systems – sophisticated loans

They have innovatively designed technology they use to streamline application, approval, and pay-out processes fast, simple and easy.  

Cash Train – Payday loan

  • Loan Type Payday loans
  • Interest Rate 365.2%
  • Loan Amount up to $1,500
  • Repayment 10 days to 38 days

Benefits of Cash Train

  • Quick loan payouts
  • A transparent loan service
  • Reliable payday loans

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

We give our clients choices by providing a wide range of loan services

You don’t have to apply online, maybe you prefer a personal touch over a device.

They have branches all over New Zealand for you to visit where you will get friendly and informative assistance.

You can apply if you

  • Are a New Zealand resident.
  • Are 18+ years old.
  • Earn a monthly income higher than $1,300.

The application process in these steps

Step one: You can complete their online application by selecting the loan amount and repayment term that suits your lifestyle and budget. You will also answer a few basic questions such as who you are, where you live, your income and expenses and the loan purpose.

Step two: They will then assess the information you provided and will shortly come back to you with a decision, whereupon you can accept the loan agreement if approved.

Step three: Once finalized they will directly transfer the cash into your nominated bank account.


  • Convenient and simple loans.
  • Quick access to cash.
  • Reliable and trustworthy.
  • Affordability and flexibility.
  • Easy repayments that suit your requirements.
  • An experienced, highly skilled team.
  • Automated systems.
  • A streamlined process.
  • A high level of confidentiality.

Customer Reviews & Testimonials

I had a very good experience with Cash Train, I can highly recommend their services.

Skye T.
— Tauranga —

CT is affordable and fast, really worth the money.

Christinanne H.
— Invercargill —

Friendly online consultant and affordable rates & fees.

Richelle T.
— Tauranga —

Cash Train Contact

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