Rating based on 84 reviews

Simple Cash

  • Payday loans up to $1,000
  • Low-interest up to 277%
  • Repayment up to 45 days

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

About Simple Cash

Simple Cash is a Registered Financial Service Provider that has been offering to cash loans to clients for many years. Simple Cash is designed to help you obtain the cash you need in the time you need it!

We form a part of the Ferratum Group and strive for excellence when it comes to the customer service we offer our clients. We abide by all the rules and regulations and strictly abide by the National Credit Act. Our same-day loans are affordable and take just under 5 minutes to get.

Speedy loan services

Our services are speedy, convenient and always standing by to bowl you over with excellence. Our team of staff wants you to have the best experience possible when you apply online for your loan through us. Even though Ferratum offers all its services electronically, you are always welcome to submit your queries to us via a call center agent if you so prefer. The best part is we won’t charge you a thing!

Same-day loan pay-outs

Simple Cash not only offers quick and easy same-day advances online, but we also clear the advance online and give you access to your funds in a quick turnaround time of 4 minutes! Payday loans are a dream with Simple Cash and we have over 1.5 million clients who will attest to this. If you don’t believe us, simply visits our website and read the reviews for yourself!

Simple Cash Services

Same-day advances can be sent to you in one of two easy and quick ways. Either online, if you are a first-time or existing client, or via text message, only if you are an existing client.

Your first application for a personal loan with Simple Cash online is entirely free of charge and did we mention, highly confidential? You can expect neither interest nor fees to come jumbled with this neatly designed package if you have a good credit score.

Mobile payday loans

Did you receive a positive response to your text application? We’ll have the money in your bank account in just minutes if that’s the case! Your payday loan will be transferred during Ferratum business hours and that means you’ll have same-day funds anytime between Monday to Friday, from 9:00 am to 4:30 pm.

At Simple Cash, you can expect a payday loan of up to $1000 and the money will be paid directly into your New Zealand bank account in just 30 minutes or less. Through the use of handy online calculators, you can easily determine how much you’ll be permitted to borrow, as well as how much you can afford per instalment.

Loan amounts from $1000

Payday loans are quick loans that will help you get through to your next payday. Starting at amounts from $1,000, the total amount would need to be settled by the next date you receive your income. You have to set up a debit order for the singular payment that will be deducted on this date.  Make sure not to miss a payment, otherwise, you will be liable for a penalty.

Simple Cash – Payday loan

  • Loan Type Payday loans
  • Interest Rate 277%
  • Loan Amount up to $1,000
  • Repayment 7 days to 45 days

Benefits of Simple Cash

  • Quick  payday loan payouts
  • Apply online 24/7
  • Affordable loan options

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.

Simple Cash strives to keep the complicated stuff simple

It’s never been as easy as it is with Simple Cash when applying for a payday loan. Paperless is our game and simple is the name – literally. Our payday loans avoid credit checks, so you’re highly likely to receive approval if you meet our criteria.

An online application means that you will be receiving a speedy outcome shortly after your application has been approved. Money is then transferred straight into the bank account that you listed within 24 hours of applying at the most!

 Benefits of choosing Simple Cash

We offer our clients unsecured loans. So, for all newcomers to our loan products, you can forget having to provide collateral. When deciding on approving your loan, we look at the financial circumstances and affordability rather than your credit score.

Loan applications are quick and easy and the entire process is complete within just minutes. It also comes with minimal risk due to being unsecured. The outcome is almost instant and your fund payment is too!

It’s also far less strict than your traditional loans due to the nature of the loan being a small amount over a short period. You can often apply for a payday loan with bad credit.

Qualifying criteria

You need to be 18 years of age, a New Zealand citizen, have an active bank account for your immediate fund transfer and have to prove your source of income.

Take a look at your options before you decide

If the financial struggle is a part of your daily and monthly life, then the best idea for you is to ensure that you can afford the repayment in one single payment before you apply. You don’t want to have to rely on any additional lines of credit to make this one payment because you’ll just wind up in more debt. Consider all of your options carefully and make the right decision for you!  

Choosing a payday loan

The easiest way to determine if your decision to take out a payday loan is the right option is if you generally are very good with your budget and have your finances in order, however, an unforeseen emergency expense is calling for more than you can spare. This could be anything from an expensive medical bill for something that you need to buy that comes at a time-sensitive deal.

Improve score before applying

Quite a few, yes! Bear in mind that you should only apply for an online loan when you absolutely need the funds, that way you won’t rack up any poor credit scores from multiple loans. Always do your best to make the full payment amount for each month and on time. This one is crucial - never miss a payment.

Customer Reviews & Testimonials

I needed a bit of a larger loan than most and a colleague turned me onto Simple Cash. I applied and the funds were in my account not 30 minutes later. Unbelievable!

Shane S
— Tauranga —

Fast and efficient loan service, highly recommended!

Tilly W
— Palmerston North —

Simple Cash Contact

Contact Number



Physical Address

Postal Address

  • PO Box 33-1009 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