Rating based on 34 reviews

Cash Train

  • Short-term loans up to $1,500
  • Low-interest up to 365.2%
  • Repayment up to 38 days

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Cash Train homepage
Author Cash Train. Screenshot of Cash Train website.
[Accessed March 3, 2023]

About Cash Train

As part of the Australia-based PAID International Ltd, First Stop Money Pty Ltd trading under the Cash Train brand is a leading provider of short-term loans in New Zealand.

Together with our parent company, we serve over 5,000 customers a month. We provide fast, transparent, and reliable loans online without hidden fees and vague terms and conditions.

We have an excellent reputation

The management team of Cash Train has more than 60 years of combined experience in the credit industry. Our financial services have enjoyed an excellent reputation since our establishment in 2003. We are happy to be able to offer a 24-hour guarantee to our customers. If you change your mind about the loan which you have received from us, you can let us know within 24 hours and repay the amount.

Cash Train Services

The fast and convenient short-term loans of Cash Train are hard to beat. We offer competitive interest rates and transparent repayment term and conditions.

Everything is made easy & quick for you

Whether you need cash to manage your budget through the month, to pay unexpected bills or to make an important occasion memorable, we are here to help. We welcome applications from New Zealand residents who are over 18 years of age and who earn a monthly income of $1,300 or higher. When you apply online through our website, we will get back to you within minutes to inform you of the outcome. Our loans are provided on the basis of the principle of responsible lending.

Cash Train – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 365.2%
  • Loan Amount up to $1,500
  • Repayment 10 days to 38 days

Benefits of Cash Train

  • Reliable bad credit loans
  • Quick short-term loans
  • A transparent loan service

Short-term loan calculator

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

With lower interest rates & outstanding service, we are the preferred lender in NZ

Cash Train in NZ has short-term loans that will make you jump with excitement.

When you need money in a hurry, the best option for you would be our short term loans. There are numerous reasons that individuals all over New Zealand utilize short term finance from Cash Train to get them from A to B. It might be to cover your bills, pay for some important repairs or just to give you some additional cash to appreciate a unique event.

Whatever your financial need, Cash Train can help you

To get the cash you need, there are just a few criteria you need to meet. You must be 18 years of age or older, earn a general salary of over $1,300 every month and a New Zealand occupant, you can apply now and get an online choice (subject to confirmation) within minutes.

Apply now

We have the answer right here – online! Should you meet all our required criteria, and have a credit history which isn’t too bad, then complete our straightforward application form. It just takes a couple of minutes (contingent upon how quick you write!) and we'll have the capacity to affirm that you qualify and let you know the amount we can lend you instantly in view of the data you've given.

After you have explored our loan options and you're content with the offer, you can sign your credit contract on the web. In case you're a first time client, we'll surely require you to send in a duplicate of your driving permit or travel permit so we can affirm your identity. You'll have to print, sign and send us a duplicate of your salary slip as well.

We provide loans to our customers in a responsible manner, ensuring we don’t give you too much that will squeeze tight on your budget.

Apply now, and have the cash by tomorrow.

Customer Reviews & Testimonials

I hate doing business anywhere other than online. I found the service highly acceptable, with fast approval rates.

Amelia-Rae H.
— Auckland —

Easy application, fast approval rate, quick payout. Excellent job!

Nathan Dodson
— Queenstown —

Useful when I’ve got a need for extra cash. Helpful and friendly consultants.

Amie Grey
— Rotorua —

Cash Train Contact

Physical Address

  • 147 Cameron Road Tauranga Bay of Plenty Region 7140 New Zealand
  • Get Directions

Postal Address

  • PO Box 22, Seventh Avenue Mail Centre, Tauranga, 3140, New Zealand

Opening Hours

  • Monday 12:00 – 20:00
  • Tuesday 12:00 – 20:00
  • Wednesday 12:00 – 20:00
  • Thursday 12:00 – 20:00
  • Friday 12:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed