Rating based on 12 reviews

Pay Today

  • Short-term loans up to $5,000
  • Low-interest starting from 365%
  • Repayment up to 16 weeks

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

About Pay Today

Pay Today is a locally based company that provides unsecured short-term loans of between $100 and $600.

Take Care of unexpected costs - today

We are a very practical company that offer straightforward and honest information, has no hidden fees or charges and treats our customers with the utmost respect. Using Pay Today can help you get a quick loan to take care of any unexpected costs that have appeared. This can be anything from a car repair bill to unpaid household bills that are going to get you into trouble.

Straightforward online applications

Our entire business is online-based and we will not require you to come and sign any documents or pick up your cash in person. This ensures that we can keep your application secure and transfer the cash to your account as soon as possible - with the hassle, without delay and without paperwork. Our website offers you detailed information on our payday loans which we always recommend you browse through before starting your application.

Pay Today Services

Pay Today offers New Zealand residents payday loans, also called paycheck loans, of between $100 and $600 to use for emergency expenses.

You can repay your cash advance in anything between 2 and 31 days - depending on your pay cycle but, we will never lend you more than 30% of your periodic income. Our short-term loans currently carry an APR or AIR of 492% AND A $50 charge for missed payments.

Do you qualify for a loan at Pay Today?

To apply for a loan you must be able to prove that you earn a minimum weekly income of $400. We can still offer you a loan for bad credit even if your credit history is poor, and will often not run a credit check once we've verified your income. If you are self-employed you can prove your income by providing us with your bank statements - and we will certainly loan you the cash that you need.

Our application process can only be conducted online and will take only a few minutes of your time - most of our loan applicants receive their cash within an hour.

Pay Today – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 365%
  • Loan Amount up to $5,000
  • Repayment 10 weeks to 16 weeks

Benefits of Pay Today

  • SHORT-TERM Loans
  • PAYDAY 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.

Quick & easy online short-term loan application; we like to make it convenient for our clients

Payday loans are certainly more expensive than traditional loans from banking institutions and credit union but, they are easy to access and are an option for those who are self-employed or have a bad credit history.

We strive to be 100% honest with our customers and have all the details, fees and charges that come along with our loans, readily available. If you take out a short-term loan and change your mind you can simply cancel the loan - repay the entire sum and we will not charge you any penalty fees. We also allow customers to repay early without incurring additional interest or early repayment charges. If you have any problems during the application or repayment phases you are more than welcome to contact us - this can be done by email or by telephone.

Pay Today's minimum requirements

Before applying for a quick loan with Pay Today you should check to see that you meet our minimum requirements. These are: you must be older than 18 years of age, be a resident of NZ, have an income exceeding $400 per week, have a bank account, email and telephone number and be able to provide accurate and verifiable personal details and information.

If you meet these minimum requirements you can then proceed to use our online calculator to help you find out how much your micro-loan will cost you. Remember that we will not be able to loan you an amount that exceeds 30% of your income for a given period - this is a feature that is designed to protect both the borrower and the lender.

How Pay Today's loans work

As part of the application process you must provide us with your personal details, you contact details, your employers information, access to your bank statements for the preceding 90 days, some form of identification to confirm age and identity and we will then go ahead and verify your details. Once we are satisfied that you are who you say you are and that you can afford to repay the loan we will send you an electronic loan agreement.

This agreement contains the details of your payday loan and will specify the repayments schedule we have set up. You will then sign this document electronically using Secured Signing which is an application that allows you to sign legally binding documents online. Once you’ve signed the agreement the loan will usually be paid into your bank account within an hour. 

Customer Reviews & Testimonials

My loan to pay off the last remaining balance on my tuition was paid out the next afternoon. Big thumbs up for the service.

Leon W.
— Wellington —

Working predominantly online, I was pleased to find a company that allows such easy applications: I don’t even have to leave my seat! Money was paid out fast too.

Chantelle P.
— Masterton —

The application process was simple enough, five clicks here and there and the loans are approved. The consultant I had was not as helpful as those other people had, but it’s okay, I got my money ...

Munro M.
— Nelson —

Pay Today Contact

Contact Number


  • not available


  • not available

Physical Address

Postal Address

  • 1273 Peak Road, Helensville, 0875, New Zealand

Opening Hours

  • not available