Rating based on 35 reviews

Cheque Exchange

  • Payday loans up to $1,000
  • Low-interest up to 221%
  • Repayment up to 1 month

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Author Cheque Exchange. Screenshot of Cheque Exchange website.
[Accessed March 6, 2023]

About Cheque Exchange

Cheque Exchange is a finance company that is locally owned and operated.

We provide small and speedy short-term loans to New Zealanders who have unexpected financial difficulties during the month. Our service is based on integrity. We have a perfectly transparent lending policy.

There is no small print or hidden fees

We comply with the lending standards in the country to ensure that all applicants are treated fairly and with respect and that they receive payday loans that match their needs and budget. Even if you have bad credit, we will still consider your application. We understand that no one is perfect and we do not want to punish you for borrowing hiccups in the past.

We will take into consideration only your current income and not your credit history.

Cheque Exchange Services

At Cheque Exchange, we offer online payday loans which cost less.

You can borrow up to $200 as a first-time customer. As we establish a partnership with you, you will be able to take out larger amounts whenever the need arises. Our interest rates are among the lowest offered by payday lenders in New Zealand.

We have competitive deals on loans

You can apply for a loan directly on our website to save time, effort and money. Usually, we can inform applicants of the outcome within 1 hour after the online loan application form is submitted. People with bad credit and those who are on benefits can qualify, provided that they have sufficient income. In order to qualify, you need to earn a weekly income of at least $300 after tax.

Cheque Exchange – Payday loan

  • Loan Type Payday loans
  • Interest Rate 221%
  • Loan Amount up to $1,000
  • Repayment 1 week to 1 month

Benefits of Cheque Exchange

  • Apply within minutes
  • Approval is fast
  • Low-interest rates

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.

You can have your loan approved TODAY! Simply apply for a payday loan with Cheque Exchange

Utilizing a payday cash loan is a path for you to get back on your feet financially without agreeing to long-term obligations.

Understanding the advantages of using a payday loan and how to apply is an approach to get the money you require paying with respect to your own circumstance. The most effective method to qualify for a personal microloan is if you are earning a wage each month, being 18 years of age, and being a permanent resident of New Zealand. It’s that simple. Minimal criteria allowing you to take full advantage of our loan offerings.

Bad credit clients can apply

In the event that you can prove you are getting cash as a salary into your banking account week after week, fortnightly, or month to month, your FICO assessment is not liable to influence regardless of whether you are affirmed or denied for a payday loan. Our payday loans are a good fit for you if you have been working at your current place of employment for six months or more and earning $450 every week.

Payday loans are ideal for cash emergencies

Our quick online loans are extremely advantageous for times of crisis to offer you some assistance with fixing your cash situation. In the event that you have to come up with an amount of money for an unexpected medical bill, home repair, or car maintenance, or you need additional cash for a holiday then we have an answer. You can apply for payday loans by utilizing our simple online loan application process which takes only a few minutes.

In spite of the fact that we may check your FICO assessment, despite the status of your credit report. We will consider the circumstances of your financial well-being and will do our best to support you with a payday loan.

Customer Reviews & Testimonials

CE has a very easy and simple loan application process, no mountains of paperwork or hidden fees.

Opaline L.
— Auckland —

I am a returning client of Cheque Exchange and I am always satisfied with their services.

Maria R.
— Whanganui —

A family member recommended CExchange when I had an unexpected expense pop up. I was fortunate to find them.

Camellia W.
— Dunedin —

Cheque Exchange Contact

Contact Number



  • not available

Physical Address

  • 626/ 52 Mokoia Road Birkenhead Auckland Region 0626 New Zealand
  • Get Directions

Postal Address

  • PO Box 34 673, Birkenhead, 0746, New Zealand

Opening Hours

  • not available