Rating based on 1,022 reviews
About – Cash in a Flash
Getting a loan has never been this easy - with Cash in a Flash you can get your payday loan deposited directly into your bank account in just minutes!
Cash in a Flash - 30 minute loans
To be more precise a new customer can apply for and get you cash in just 30 minutes! We're one of New Zealand's most popular payday lenders because we're transparent, quick and efficient. Our team members are all very well trained and can assist you with any issues that may arise during any stage of the online loan application, approval and payout phases - and all you have to do is ask!
What can we do for you today?
We really care about our customers and offer them a mound of finanical advice to help them make the best possible lending decisions. Cash in a Flash offers quick short term cash loans that range between $100 and $1,000 and carry an interest of 1.6% per day.
You can use your payday advance to do just about anything - from taking care of unpaid bills and school fees to replacing your car tires and getting a plumber out to your house to sort out a messy problem! Whatever you need the cash for, we can guarantee that the application process will be quick, confidential and pain-free!
Services – Cash in a Flash
Cash in a Flash offer the fastest short term cash loans in the country - the application process will take you only a few minutes and, once approved, you'll get the loan instantly!
Online all the way - quick and simple!
Our payday loans are flexible, convenient and can be accessed without ever leaving your house! That's right - our loan application is completely online based and is one of the most simplified and fast application available of the internet! Even if you have poor credit, Cash in a Flash will still be able to help you if you have a job and are earning a regular income.
Our short-term loan products
We currently offer customers small, unsecured personal loans of between $100 and $1,000 at a Representative 584% APR or 1.6% per day. New customers are charged a set-up fee of $40 while returning customers are charged a smaller fee. With Cash in a Flash you'll never have to worry about concealed costs and fees - we tell you exactly what we're going to charge you, how it will be charged and exactly what your repayment responsibilities are - no tricks, gimmicks or sugarcoated stories, we tell it how it is.
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Summary of Services
- PAYDAY Loans
- SHORT-TERM Loans
- BAD Credit Loans
Do you need emergency cash? Our fast loan service will see you through
Although very few lenders will tell you this, one of the first steps in applying for a loan is determining if you really need one - payday loans can be expensive since the loan term is short and the interest rates are high.
You could consider loaning from your employer, a family member or friend to avoid taking out a loan and, if you can't afford it you should never take one out as failure to repay on time will result in multiple penalty charges, which can be very costly.
If you do proceed to take out a loan you must ensure you have the required amount in your account on the day that payment is due to avoid additional charges. If you need emergency short-term cash - look no further than Cash in a Flash because we're one of the most reputable and efficient alternative lenders on the market - and we've worked hard to get here!
Use our loan calculators
On our website customers can find a user-friendly loan calculator to determine how much they want to loan from us - once you've decided all you have to do is navigate to our loan application page and you're already half way there. Once you've arrived at our application form you will notice that we have a pre-approval feature for new customers. This will allow you to check if you qualify for a payday cash advance before we process your details, gather your information and run a credit check.
This saves people who do not qualify for a loan with us the time it would take to fill up the forms and spares their credit from suffering from a credit check. Once you've been notified that you qualify you can then begin to fill in your personal details - if you're an existing customer there is a loan application page especially for you.
Choose your loan amount and apply!
Once you're done completing your details we will let you know how much you can lend - this will be an amount of between $100 and $1,000 and will calculate based on your net income. You can then select the maximum amount that we offer or, a lower amount and we will then quickly draw up a loan agreement for your approval. This loan agreement will detail all the important information about your short term loan and will also tell you when you will be expected to repay it, what the charges will be for taking an extension or missing your payment and, so forth.
Once signed off we will send your cash directly to your account - this almost always happens in 10 minutes or less but only same day crediting can be guaranteed. The next time that you take out a cash loan with Cash in a Flash will be a lot faster since we will store your information on our system.
Customer Reviews & Testimonials
Great service and a fast payout. Really impressed with the application process itself and how quick my loan was approved.
— Auckland —
While I enjoyed the ease of use of the online application, my loan took over two hours to be approved and it was only paid in two days later.
— Napier —