Rating based on 72 reviews

Seed Cash

  • Quick loans up to $5,000
  • Low-interest starting from 0.82%
  • Repayment up to 1 year

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

About Seed Cash

If you are looking for an affordable quick loan from a local New Zealand lender who will not only get you the financing you need without delay but also the best interest rate then Seed Cash is your answer.

We are a proud New Zealand owned and operated lender. Therefore, we believe as we are completely owned and operated by locals enables us to fully understand the needs of our born and bred Kiwi clients.

Affordable quick cash loans

Seed Cash is a reputable and committed lender that is devoted to its clients and the communities, in which they live.

We offer affordable quick loans online that are reliable and trustworthy and presented with full transparency. All of our fees and rates are disclosed up front and you will never be surprised with unexpected fees or charges. If you have any question for us, our reliable and dedicated team are here to help you and assist you with everything you need. 

Seed Cash Services

At Seed Cash, you can get many quality services such as flexible lending terms, quality loans, quick payout times, and more.

If you need some extra money to make ends meet until payday comes around if you want to take a short vacation with the family, pay overdue bills or repair simply your broken-down car, Seed Cash is here to help you. Our quick loans are between $100 and $1,500 with some of the most affordable rates on the market at just 0.82% interest per day or, a representative APR of between 299.3% and 438%.

Get flexible repayment terms               

We offer quick personal online loans that have a repayment period that ranges from seven to 45 days. Our repayments are flexible so if you choose to repay your debt early then we will not charge you any penalty fees.

It is our standard to be completely upfront regarding our rates and fees and customers can view a comprehensive list of our charges on our website along with a bulky amount of very clear, honest and good financial advice and information


Seed Cash – Quick loan

  • Loan Type Quick loans
  • Interest Rate 0.82438% p/a
  • Loan Amount up to $5,000
  • Repayment 1 month to 1 year

Benefits of Seed Cash

  • Easy and convenient online applications
  • Apply online in 5 minutes
  • No hidden fees or fine print

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This quick loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get a quality quick cash loan online, or with the Seed Cash app today

Seed Cash is a quality lender that allows you to apply for a loan in more than one convenient way. You can either take the regular way by visiting their website where you can apply for a loan using their quick cash loan application, or you can make use of their innovative and convenient app.

Get the Seed Cash app

You can download the Seed Cash app via Google Play Store or Apple App Store. This loan application option, which is perfect for those Android and Apple users who want to access quick cash on the go.

However, if this is not for you, you can simply visit our website and complete our online loan application form or contact our highly trained staff telephonically. If you are a returning customer, you can apply for a loan by sending a text message with the word "Loan" followed by your unique PIN code, the loan amount and the loan term you desire.

Whichever method you choose to apply for a loan from Seed Cash, you can rest assured that once approved the money will be deposited into your account within 10 minutes.

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Seed Cash is a trusted & reliable provider of quick loans

In our review, Seed Cash adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ Seed Cash is a registered credit provider in New Zealand: FSP423226

Customer Reviews & Testimonials

The friendly consultant helped me every step of the way. My loan was granted in two hours and I had the money not even an hour later.

Gretal M.
— Wellington —

Speedy service by a speedy, yet professional company. The online application process was simple and quick, with the loan being approved within two hours!

Maya H.
— Invercargill —

Seed Cash Contact

Physical Address

  • 41 Shortland St Auckland Central Auckland Region 1010 New Zealand
  • Get Directions

Postal Address

  • PO Box 6620, Wellesley Street, Auckland, 1141, New Zealand

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed