About Cash Point
Cash Point is your portal to short term credit - if you're experiencing a cash flow problem or an unexpected emergency we can provide you with a quick cash loan of up to $500.
15-minute application process
Our entire application process can be completed online in a matter of 15 minutes or less and we have a team of administrators available to assist you with your payday loan via a live online chat. With better rates, better service and faster turnaround times, Cash Point is one of the Nation's most trusted lenders.
Lower rates make happier customers
We are a fair and responsible lender and offer lower rates and fees than most other payday lenders on the market. This not only ensures that we remain competitive amongst our competitors but, it allows us to stand true to our commitment of being a responsible and fair lender.
We don't believe that you should have to pay more for your micro finance loans just to increase a lenders profits! We are more tolerant and flexible and can offer loans to people with a poor credit - provided that they can afford it.
Cash Point Services
Cash Point offers customer lower-rate payday loans and cash advances via our online platform.
New customers are welcome to apply for a loan of up to $300 while customers that have utilized our services in the past can apply for any amount up to $500.
Upfront fees and affordable rates
We charge a daily interest of 0.95% and a loan term of 30 days - we are honest about our fees and charges and you will be kept in the loop from the onset of your short-term loan acquisition process.
No paperwork, online appliction
With Cash Point you don’t have to worry about paperwork - the entire process is paperless and you can even sign your loan agreement electronically.
In addition, loans are transferred directly to your account once approved - so unlike with other old-school lenders who require you to visit a branch to pick up you cash - we make it all happen without requiring you to leave your house. Our entire online application process should take you no more than 15 minutes to complete.
Cash Point Product Details
- Loan Type Short-term loans
- Interest Rate 8.95 – 29.95% p/a
- Loan Amount up to $15,000
- Repayment 6 weeks to 36 weeks
Summary of Services
- SHORT-TERM Loans
- PERSONAL Loans
- CAR Loans
Get a short-term loan within just minutes, simply apply online
Applying for a loan with Cash Point is as easy as it gets - the entire process can be completed online in under 15 minutes and customers have access to our team of administrators who are here to help you with your every concern and answer all your questions.
We have an accurate loan calculator available on our website so that customers can see exactly how much they're going to pay for their loan based on the amount and loan term they want. This loan calculator will help you see just how much more affordable our payday loans are than those of our competitors. We also have a range of resources available on our website to help educate our customers about money, debt and responsible lending.
Requirements for applying for a loan
Customers who have never taken out a loan with us may apply for a maximum amount of $300 while returning customers are welcome to apply for a loan of up to $500. If you have poor credit we may still be able to help you but you must have been employed for at least two months and have sufficient income to repay your loan at the end of the month.
You must be a legal resident in New Zealand, be employed, have a photo identity document and proof of address for us to process your loan application. We cannot help those who are bankrupt or have a history of bankruptcy. We also require that you have a net weekly income of 350$ to go ahead and process your short term loan.
What well need to approve your loan
Once you've selected the loan amount you want and an appropriate loan term you can then make your way to our application page where we will need to gather some information from you. Here you will enter your personal details like your name and employment and living details as well as your contact information like your email address and telephone number.
You will also have to tell us how much you'd like to borrow and when you'd like to make your repayment. Once you've completed our quick loan request form we will then evaluate it and, if we're satisfied that you can afford the debt, we will send you a loan agreement form.
Our entire application process is designed to be as stress-free as possible and is therefore entirely paperless so you can sign this agreement form electronically. Once we've received the signed agreement we will then immediately transfer the money to your account - it's as simple as that.
Customer Reviews & Testimonials
Easy application process but I did have some complaints about the consultant. All in all, I got the money pretty fast.
— Queenstown —
Good service, relatively quick response times from the consultant, and I had my money two days later.
— Hastings —
The online application was a bit long and tedious; it isn’t usually this long at other companies (or so I’ve heard). However, my loan was approved in minutes.
— Auckland —