Rating based on 60 reviews

Pretty Penny Loans


  • Short-term loans up to $500
  • Repayment up to 42 days

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Author Pretty Penny Loans. Screenshot of Pretty Penny Loans website. [Accessed September 6, 2021]

About Pretty Penny Loans

Pretty Penny Loans is one of New Zealand's most affordable and flexible online loans.

We offer short term loans of between $50 and $300 to any NZ resident who can provide a bank statement. That's right - you can apply for a quick loan from Pretty Penny Loans with just your bank statement. In addition, we have some of the most competitive rates on the market and have very flexible repayment terms that can make it easier for you to repay the loan without incurring late payment fees.

A lender you can trust

We are a very transparent lender - you can find out exactly what a payday loan from Pretty Penny Loans will cost you and this will include the interest and $24 set up fee which is standard for all of our loans.

We are the only lender in New Zealand that will allow customers to apply for a loan over the phone. We also allow people to apply online - simply put we value your time and your business and do our best to make the process as simple and quick as possible. 

Pretty Penny Loans Services

We offer emergency payday loans that range between $50 and $300. Our small cash loans are idea for paying overdue bills, tiding you over until your next paycheck comes through and even repairing a broken-down car.

If you need a short term loan - Pretty Penny Loans is the best place to get it - we offer lower rates than our competitors, have one of the best customer service standard and very flexible repayment and loan term options.

Our flexible loan terms

You can repay your loan in 1 to 4 installments and in between 1 to 8 weeks - even though we only offer small quick loan amounts, our very flexible repayment option help people who need credit but cannot afford to repay the entire loan sum in one single payday.

Our application and approval process can be completed from the comfort of your own home in just 20 minutes - either online or via the telephone. 

Pretty Penny Loans Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to $500
  • Repayment 7 days to 42 days

Benefits of Pretty Penny Loans

  • High loan approval rates
  • Affordable short-term loans
  • Easy loan applications

Instant loan approval means instant cash! And we are here to provide you with exactly that

Pretty Penny Loans tries to make applying for a loan as easy and as fast as possible.

If you have a phone contract or plan, a full-time job or a guarantor you can apply for a loan. We also require that you have a regular income, are a resident and have a bank account. If you meet these very simple requirements we will very likely be able to help you with a payday loan.

Bad credit? We can help you

If you're on benefits, are self-employed or have bad credit - we can still help you provided that we can establish your ability to afford the repayments. We have very low rates, competitive establishments fees and one of the lowest non-payment penalty fees on the market and these are just some of the reasons that we're one of NZ's leading lenders!

Apply online or over the phone today!

Unlike most other alternative lenders who only accept online or in-store applications, we allow you to apply online or, over the phone. We also let returning customers apply by email or by sending us a text message with a unique PIN that we assign to each customer upon their first application. With all of these methods of applying, you can see why our customers are so pleased with our services and choose to recommend us to their friends and family members.

We are a transparent lender and always inform our clients of all of our charges and lending conditions. To find out how much a loan will cost you please visit our website and use our loan calculator; note that we charge $24 as a loan establishment fee.

Completing our application form is simple

Once you're ready to apply you can fill in our simple online loan application or request a call back by filling in our call back form. If you don’t want to apply online you can simply call us and we will gather all the information we need to process your application and provide you with a loan. If you're an existing customer all you need to do is send us a text message or log into to our existing customer section on our website where you will be able to apply for a loan in just 2 minutes.

If you fail to repay your loan on time we will charge you a penalty fee of $13 this is one of the lowest penalty fees on the market with others charging up to $60! Whatever you need a quick loan for - Pretty Penny Loans is the best and most affordable place to get it

Customer Reviews & Testimonials

The consultants know exactly what they’re doing and how to put a person at ease. My loan was approved in minutes and I had the cash that morning still. Impressed with the service on offer.

Elisha S.
— Ashburton —

I struggled with the online application, but the consultant guided me through it all. My loan was approved in less than five minutes and I had the cash after about three hours.

Milton O.
— Masteron —

Pretty Penny Loans Contact

Physical Address

Postal Address

  • PO Box 11360, Palm Beach, 3151, New Zealand

Opening Hours

  • not available