Rating based on 76 reviews



  • Quick 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 April 17, 2018]

About Ferratum

Ferratum is a global lender that was founded in 2005 to offer our customers a fast, simple financial solution in their time of need. Our online loans are offered online via our website.

We offer our customers a friendly, efficient service that they can trust. Our loan solutions range between $100 and $1900 to first-time clients with easy repayment terms of up to 45 days. Apply from your smartphone or laptop by completing the online application form. Ferratum has branches in over 24 different countries and we put our clients’ needs ahead of our own.

Try your first loan free

We are so sure that you will be happy with our service that we offer you the opportunity to try your first loan absolutely free. We won’t charge you any fees and you will only be required to repay the amount that you borrowed with no added costs. This offer is only available to new customers on their first loan of up to $300 over a 30-day loan period.

Quick cash financial solutions you can trust

Sometimes you need money and you need it quickly. When you have a cash emergency, we offer quick loans. Our loans offer quick cash solutions between $100 and up to $1900 that you can pay off over 30 days or on your next payday.

To keep the loan process running smoothly we will help you arrange a direct debit on your account to align with your payment frequency. If you have larger expenses and need a bigger amount of money we offer loans between $500 and $5000 and up to 6 months to pay back the loan.

Ferratum Services

Quick cash loans have many different names including microloans, short-term cash loans, quick advance loans and same day cash loans but they essentially offer the same contract terms.

Quick cash loans were designed to get the cash that you need as quickly as possible. The loans need to be repaid in full by your next payday. You might need quick cash to pay for an unexpected emergency or take advantage of a time-sensitive deal we offer the fast solution that you have been searching for. To apply for a loan is completely free and obligation free.

Advantages of quick cash loans

There are many different advantages to applying for a quick loan these include:

  • It is easier to have the loan application approved
  • You will receive an outcome very quickly
  • The money will be paid directly into your account within 24 hours
  • There are no restrictions on the loan
  • The loan amount will be debited from your account on your next payday.

If you are struggling financially a payday loan can be more difficult to repay as the entire loan needs to be settled by your next payday in one large payment. This can cause strain if you are already struggling financially.

Ferratum Quick loan

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

Benefits of Ferratum

  • Flexible terms
  • Quick loan payouts
  • Rewards for return customers
  • Apply online

We provide quick financial solutions for cash emergencies

Struggling to pay your bills and make end meet is a horrible experience for anyone to go through and we understand that you might need some cash regardless of your credit report.

Ferratum offers cash solutions no matter what your loans needs may be, we offer car loans, medical loans, loans to pay for emergencies or even holiday loans.

Flexible repayment terms

Not everyone is able to pay off the same amount of money each month and sometimes paying your bills each month is very difficult for you, we understand and want to help you. We do this by helping you create a payment schedule that is customized to suit your individual requirements.

If you are having problems making payments on your loan, contact us and we will find a solution so that you can stop worrying and take the financial stress out of the equation.

Steps of the loan process

Going to a major bank to apply for a loan may be no one’s idea of a good time. Banks have strict lending criteria and make you jump through financial hoops in order to have your loan application approved. If you have a bad credit score, then your loan application has a very high risk of being declined. We want to take the stress out of applying for a loan, there is no need to visit our branch or complete piles of paperwork.

Simply follow these easy steps to apply

  1. Apply online via our website
  2. We will process your application and you will receive your outcome within a few minutes
  3. Your cash will be paid into your account within 24 hours
  4. Spend your cash with no restrictions
  5. Payback the loan quickly and easily with our direct debit system so that you never miss a payment
  6. Return customers are rewarded by being able to borrow more money and apply with their unique customer pin even quicker when they apply for their next loan.

Putting your needs first

Ferratum is a responsible lender, we aim to treat all of our clients fairly and for this reason,we look at your ability to repay the loan and make sure that the loan is in your best interest.

If you have a bad credit report you will still be able to apply as that is just one aspect of the lending criteria.

Customer Reviews & Testimonials

I required the assistance of the friendly consultant in order to fully complete the application process online. My loan was approved in two hours and I had the money that afternoon still.

Lillie S.
— Palmerston North —

I finally found a company that approved my loan; they did so in less than an hour! Super stoked with how fast and reliable they are.

Francesca A.
— Gisborne —

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