Rating based on 53 reviews


  • Short-term loans up to $3,000
  • Low-interest starting from 48%
  • Repayment up to 6 months

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

About LastMinuteLoan

LastMinuteLoan is a leading NZ lender that offers customers quick loans that range from $100 to $1,000.

If you've encountered some unexpected expenses or an emergency and need a small personal loan to cover it - we've got the easiest and quickest loan process on the market.

Professional and fast loan services

We offer great rates, flexible repayment terms and small to large loan amounts - and we do it with professionalism and speed! We don't believe that you should have to pay more for your payday loans just to increase a lenders profits - we are more tolerant and flexible and, can offer bad credit loans to people with poor credit - provided that they can afford it.

Whether you're a new or existing customer we will make the online loan application process as simple and fast as possible.

LastMinuteLoan Services

Whether your car has broken down or you need to pay a utility bill that's overdue - our emergency loans are just what you need to get it sorted fast.

You can select a loan amount of between $100 and $1,000 and our repayment terms range from 7 to 30 days. Since we're a direct lender and not a broker - applying for a quick loan with LastMinuteLoan is fast and simple and, you'll receive your loan on the very same day!

Access a loan in minutes!

From people who have stellar credit histories to those who've had many bumps along the way, our online loan application and processing systems are streamlined, simple and will help just about anyone access the credit they need in just minutes.

Our short-term loan application takes just 5 minutes and you can get your cash in just 30 minutes! We charge a $30 establishment fee and currently have an interest rate of 1,65% per day or a representative APR of 595%.

LastMinuteLoan – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 4898% p/a
  • Loan Amount up to $3,000
  • Repayment 1 month to 6 months
  • Decision 60 minutes

Benefits of LastMinuteLoan

  • Get a loan in 60 minutes
  • Short-term loans up to $3,000
  • Fast online application

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.

LastMinuteLoan Application Same-day Online

Applying for a payday loan from LastMinuteLoan is quick and simple for both first-time lenders and, existing customers and, we will not contact your employer as so many other lenders do.

A streamlined loan application process

Our entire business is based on an application process that is streamlined and will take you about 5 minutes to complete. If you're looking for emergency cash or need money fast - LastMinuteLoan is the perfect place to find it. Our loans of up to $1,000 can cover just about any emergency and cash flow shortage and get you back on track.

Information and details to apply for a loan

The first part of our online application form asks you to tell us how much you want to borrow and the purpose of the short-term loan. This can be for car repairs, a cash flow problem, to pay bills or to make a purchase - this question doesn’t affect your loan application and is for information purposes only.

The second part will ask you for your personal details, your account details, contact details and employment details. You will then need to tell us about your income and expenses so that we can work out how much you can afford to lend. If at any point during the completion of this form you need any assistance or, have any questions, we welcome you to call or email us.

Documents you should have on-hand

Before you begin your application you should have the following on-hand: a photo identity document or card, 2 months worth of pay slips and proof of address. Once you're ready to apply for a loan visit our website and navigate to our application form which will ask you provide some basic information as discussed above.

Once we've received your application we will process it and then draw up a loan agreement for you to sign online. Once you've signed this we will immediately transfer the short-term loan to your bank account, which you should be able to access within 60 minutes or less. On the loan repayment day, the money will be automatically debited from your account, so you won't have to worry about forgetting to make the repayment and, incurring a penalty fee.  

Customer Reviews & Testimonials

Really happy with the service provided, I was helped instantly and had the money a couple of hours later.

Rachel M.
— Ivercargill —

The application process was super easy and understandable, even the consultants were very professional. Had my money a few hours after.

Mohammed M.
— Auckland —

LastMinuteLoan Contact

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