Rating based on 50 reviews

Just Cash

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

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

About Just Cash

Need cash? Borrow a small amount and comfortably and quickly pay it off without any hassles.

They cater to the needs of more than 1 million clients and are a trading division of the international finance company Ferratum Group. Enjoy a tailored solution that will suit your budget and lifestyle from the first introducers of mobile microloans in Europe. They have a passion for finance and people and are very focused on achieving constant growth.

Working extra hard, doing more than what is expected of them, being innovative and informative, delivering impeccable service, and staying passionate about solving financial problems is what they stand for and have been doing for years. 

Flexible NZ payday loans 

Get the cash you need in hours when you apply for a loan online or at one of their branches across 20 countries worldwide. If you applied for your second loan from these experts, you could get approval in only 4 minutes!

Just cash has a variety of benefits, products, and services to offer and they have a solution for almost every possible situation. Get the support and advice you need from a friendly team of qualified specialists that have been in the industry of short-term finance for years.

Just Cash Services

Obtain a loan amount between $100 and $1,000 and repay it over 7 to 45 days.

Remember a longer term might make you feel more at ease, but a short-term loan can save a little money as well. Maybe you need to urgently fix your car, or perhaps you need to attend a birthday party and can’t show up without a gift, pay an overdue bill, go on a short holiday, etc.

It doesn’t matter what the emergency is, they will be able to help you in a super speedy and stress-free way. They have a wealth of experience ready to assist you make the best choice for you. You can have the money in your hand in hours.

Impeccable customer service

Just Cash will exceed your expectations as they are passionate and focussed on getting you exactly what you need and want in record time and as smoothly as possible. They have been working hard to streamline their application and approval processes to make finance easily accessible to thousands of kiwis. 

Returning customer benefits

Once you have paid off your first loan with them you will enjoy great benefits when you apply for your next loan with them. These benefits will include getting a significantly lower rate and speedy approval. The second time around you could have your loan finalized in just 4 minutes.

Just Cash – Payday loan

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

Benefits of Just Cash

  • Apply with a bad credit history
  • Affordable payday loans
  • Quick and easy online applications

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.

For fast loan application and instant loan approval, apply with Just Cash today!

How to apply online for a payday loan in NZ

Applying online is as easy as

  1. Apply online, over the phone, or at a branch in just a few minutes by providing them with some basic personal information.
  2. Their approval process is super-fast and they will shortly have an answer for you.
  3. Once you accept the loan they can offer you, they will directly transfer the money into your account and it will reflect in just a few hours.

Check your eligibility

  • Have an income.
  • Be 18+.
  • Be an NZ resident or citizen.
  • Proof of ID.
  • Proof of address.

Benefits of choosing Just Cash

  • Super-fast approvals.
  • Direct cash pay-outs.
  • Innovative and automated technology.
  • A leading lender that is continuously growing and evolving.
  • Great benefits for returning customers.
  • Flexible and affordable online loans that are tailored according to what you need and can afford.
  • The option to apply completely online or in a branch for a face-to-face experience.
  • Friendly and fast consultants.
  • A variety of products.
  • Easy to repay terms.

Customer Reviews & Testimonials

Easy to use online loan calculator helped me find the best repayment term.

Bonnie W.
— Masterton —

Very transparent lender, no hidden fees, affordable rates.

Mia B.
— Gisborne —

I wanted to find out why my loan hadn't been approved yet, turns out I didn't properly submit my application. The consultant who helped me was very friendly and helpful. We were able to resolve t...

Katie H.
— Christchurch —

Just Cash Contact

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