Rating based on 75 reviews

Digital Finance

  • Short-term loans up to $20,000
  • Low-interest starting from 12.95%
  • Repayment up to 60 months

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Digital Finance homepage
Author Digital Finance. Screenshot of Digital Finance website.
[Accessed March 3, 2023]

About Digital Finance

Digital Finance is a locally based payday lender that offers Kiwis short-term loans up to $1,000.

We're a flexible lender

We are a registered lender that truly cares about the well-being of our customers - so we make applying for credit easy, confidential, transparent and fast - something that banks and credit unions are yet to achieve. Furthermore, unlike our traditional competitors, you won't be turned down because of a bad credit history - as long as you can afford to make the payments we can help you.

Customer Service you'll love

Our employees are well-trained, friendly and efficient and will help you with every aspect of the lending process from application right down to repayment. Once you've completed your online loan application the approval process will take no more than an hour, after which we will immediately transfer the funds to your account.

In addition, we reward repeat customers by providing them with reduced rates and fees - just one more way that we say thank you to our valuable customers. 

Digital Finance Services

Digital Finance provides only short term loan in the form of very affordable payday loans.

Our short-term loans can be used to pay unpaid bills, medical expenses, funeral costs, car and household repairs and just about any other expense you can think of.

How much can I borrow?

You can borrow up to 40% of your income for a designated time period - this policy ensures we protect our customers from becoming over-indebted or from defaulting on their personal loans.

Short-term loans at your convenience

We offer a maximum loan amount of $1,000 for existing customers and $300 for new customers. Our loan application fee is set at $25 and our APR is sitting at 365% - you may view our complete list of fees and rates on our website. You can apply for a loan via our website and, once approved, we will carry out a same-day transfer so you can access the money as quickly as possible. 

Digital Finance – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 12.9529.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 60 months

Benefits of Digital Finance

  • SHORT-TERM Loans
  • PERSONAL Loans
  • CAR Loans

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.

A short-term loan from Digital Finance, is your perfect financial solution in a cash emergency

Before applying for a loan we recommend that you take some time to read through the information on our website - particularly if it's your first time taking out a quick cash loan with us. Since we're committed to responsible lending practices we are transparent about our fees and rates and have these readily available on our website for customers to consider.

On our charges and fees page, you will find a list of applicable charges for our short term loans and fees and, we urge you to consider these - this includes charges for taking a loan extension, charges for defaulting among others. We will also never lend money to people who are experiencing serve financial difficulty to prevent further harm to your finances and credit history.

Loan application requirements

To apply for a payday loan with Digital Finance you must be a resident of New Zealand, be in full-time employment, have a photo ID available, proof of address and a bank account. If you are unemployed, have been or are bankrupt, not a New Zealand resident or don’t have an active bank account we will, unfortunately, not be able to assist you with a loan.

As mentioned, new customers can borrow up to $300 and customers who have taken out a loan with us in the past can lend up to $1,000 provided that the amount does not exceed 40% of their income for the given period. Our entire loan application process can be completed online in just a matter of minutes - it's quick, easy and convenient!

Easy, online loan application

Once you've decided how much money you want to borrow you can then navigate to our online application page and begin the application. This application has undergone major improvements to ensure that customers can apply for a loan quickly and with ease and we are now confident that it's certainly among the most streamlined on the market.

We will request that you provide us with your personal and contact information, address, employment and earning information, identification and pay slips among others. If you're a first time client, we will likely run a credit check to ensure that you can reasonably be expected to make repayments as agreed. 

Customer Reviews & Testimonials

The application process was so simple, even a technologically-impaired person such as myself could easily apply! My loan was approved in moments and I had the money a few hours after.

Rhiana M.
— Rotorua —

I initially thought I would have to wait a few business days for my money; turns out it was just a couple of hours. Impressed with the service!

Peter P.
— Auckland —

Digital Finance Contact

Contact Number



  • not available

Physical Address

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