Rating based on 67 reviews


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

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

About Ferratum

Need a cash boost to tide you over until your next payday? Get a quick payday loan from a global lender that has been assisting thousands of Kiwis since 2005, helping them to avoid hopeless situations.

With Ferratum, you can obtain a fast, convenient, and completely online payday loan solution in just 4 minutes. Getting you simple, friendly, efficient, and trustworthy service is what they work hard for.

You can apply online via any device whether it is your phone or a laptop, but if you prefer face-to-face assistance you can visit one of their many branches across over 24 different countries. Receive an answer on the spot as their quick application process is super-fast. 

Your first loan could be free

They are completely convinced that you will be a happy returning customer, so much so that they will offer you a chance to try out your first loan completely free of charge, isn’t that great? This means no charges, loan fees, or interest, you will only have to repay the amount you borrowed.

This option is only available to new customers for loan amounts of up to $300 over 30 days. Transparency and being upfront with their charges is what they do to make sure that their clients always know exactly what they will be paying and can accept their agreement with confidence and peace of mind.

Ferratum Services

You can obtain an amount between $100 and $1900 over up to 45 days at extremely affordable rates.

Upon your request, they might be able to lend you even more money between an amount of $500 and $5000 over up to 6 months. Their goal is to get you no paperwork, no-nonsense, fast, and hassle-free cash.

To make the repayment process easier and smoother they’ve also streamlined the process for you by directly debiting your nominated account at a time of your choice. Besides payday loans, they offer a variety of short-term finance solutions such as quick loans NZ, microloans, quick advance loans, same-day cash loans, and more.

If your credit score is bad

Get an amount between $100 and $1900 even if you have a bad credit score. They might overlook your score and focus more on if you can afford the repayments. Their relationships are built on trust and they believe in second chances.

Be rewarded the second time around

If you are a return customer you will get a login pin that will allow you to access much bigger loans and also be able to apply double time in comparison with your first application. Getting your next loan will exceed your expectations as you will already be a rewarded customer

Ferratum – Payday loan

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

Benefits of Ferratum

  • Quick payday loans
  • Apply online 24/7
  • Flexible repayment terms

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.

It's faster to get your payday loan from Ferratum than anywhere else!

Get a payday loan in a few easy steps

Step one: Whether you apply at a branch or online it will only take a few minutes of your time. In this quick paperless and stress-free process, you’ll need to provide them with some basic information about yourself including your ID, names, address, income, expenses, employment, banking details, the amount you need as well as the term you need it for and lastly the purpose of your loan.

Step two: Once you have submitted your application, they will come back to you within minutes after their assessment to see if you qualify and for how much.

Step three: In less than 24 hours! That's how fast you will receive the money in your account.

Their lending criteria

  • Have an income.
  • Be a citizen.
  • Be 18+.
  • Have a current account.

The benefits of choosing Ferratum 

  • The option of visiting a branch or you can apply for a loan online.
  • You can spend the money with no restrictions.
  • They are responsible lenders that will make sure that you can afford the loan they give you.
  • Flexible terms.
  • If you are a return customer, you will be rewarded by being able to borrow more money, and apply even quicker for your next loan.
  • They will always prioritize your needs.
  • Their quick loans are easily approved and you can have access to cash within 24 hours!
  • Paying back the loan with them is quick and easy with their direct debit system ensuring that you’ll never miss a payment.
  • A bad credit score won’t prevent them from helping you with cash.

Customer Reviews & Testimonials

Payday loan was approved and paid out within 30 minutes.

Aubrey S.
— Auckland —

The best interest rate I have been offered to date and great service.

Maryann J.
— Dunedin —

Ferratum Contact

Physical Address

Postal Address

  • PO Box 33-1009, Takapuna, 0745, 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