Rating based on 77 reviews


  • Short-term loans up to $5,000
  • Low-interest starting from 14%
  • Repayment up to 28 weeks

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

About Seedcash

Seedcash is a Kiwi owned financial services provider that offers small payday loans and cash advances to people across the Nation.

What you can do with a Seedcash loan

If you're in need of a little cash to tide you over until payday comes around, want to take a short vacation with the family, pay overdue bills or repair your broken-down car, Seedcash is here to help you. We offer short term loans of between $100 and $1,500 at some of the most affordable rates on the market at just 0.82% interest per day or, a Representative APR of between 299,3% and 438%.

Why you should choose Seedcash

We're an innovative, vibrant and active lender that truly cares about our customers and the communities in which they live. We offer free advice and tips to help our customers improve their finances and always give back by donating to the communities which we serve.

Our quick cash loans are reliable and trustworthy - we don’t play tricks, all of our fees and rates are disclosed upfront and you'll never wake up with a nasty surprise. If you have any question for us, our reliable and dedicated team are here to help you get the answers you deserve. 

Seedcash Services

Seedcash offer payday loans that range between $100 and $1,500 at a rate of between 0.82% and 1.2% per day - much lower than any of our competitors.

Upfront fees & flexible loan terms

You can choose a loan term of between 7 and 45 days and if you decide to repayyouru loan early - we won't charge you any penalty fees - and that's a Seedcash promise! We are upfront about our rates and fees and customers can view the complete list on our website along with a massive amount of very clear, honest and good financial information and advice.

Why Kiwi's choose us

Seedcash is simply one of the most loved financial services providers in New Zealand - not only are we compassionate, giving, professional and friendly but our interest rates and fees are the lowest among the payday lending industry and we provide our customers to almost instant access to cash without any stress, trouble or paperwork.

If for whatever reason, you're struggling to make the necessary repayment on your online loan from us, you can contact us immediately so that we can find a way to resolve the problem and work out a suitable repayment plan. 

Seedcash – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 14250% p/a
  • Loan Amount up to $5,000
  • Repayment 4 weeks to 28 weeks

Benefits of Seedcash

  • Quick online loan applications
  • Affordable repayment options
  • A transparent 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.

You can have your loan approved TODAY! Simply apply for a short-term loan with Seedcash

We can provide you with a quick cash loan of between $100 and $1,500 with a loan term of between 7 and 45 days - at very competitive and affordable rates.

Not sure how much you want to borrow?

You can use our loan calculators to see how much it will cost to borrow a specific amount and make your decision. We also have a range of very useful articles that provide you with clear and precise information about our fees and interest rates, our application processes and everything else that has anything to do with taking out a short-term loan at Seedcash. To apply you must be over 18, be resident in NZ, have an identification document, be employed and earn more than $1,200 per month, have an active bank account and access to a computer, email account and telephone.

Applying for a loan as a new or existing customer

We have a different application process for new and existing customers - new customers are required to provide us with all their information and details while returning customers simply have to access their existing details or send us a text message. When you apply for a loan with Seedcash you're certainly spoilt for choice - we have four distinctive ways for you to apply, something that none of our competitors are able to offer! The first method is via our simple online application which should take new customers no more than 10 minutes to complete. We will ask you to provide you personal details such as your name, your contact details such as you email address, physical address and telephone numbers as well as ask you to provide supporting documentation such as your pay slips and any form of personal identification.

Download our app - or apply over the phone!

The second method is telephonically - where one of our well-trained staff members will guide you through the whole application form. Thirdly, you can download our Seedcash app via Google play store or Apple app store an option which is perfect for those android and Apple users who want to access fast cash on the go! Finally, returning customer can apply for a loan by sending a text message with the word "Loan" followed by your unique PIN code, the loan amount and the loan term you desire - it's that simple! Whichever method you choose to apply for a loan from Seedcash you can rest assured that once approved the cash will hit your bank account in 10 minutes or less! 

man holding thumbs up

Seedcash is a trusted & reliable provider of short-term loans

In our review, Seedcash adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ Seedcash is a registered credit provider in New Zealand: FSP423226

Customer Reviews & Testimonials

Excellent service and I had the money the following afternoon.

Devonte Reginald F.
— Masterton —

My consultant was really helpful, she made me feel comfortable using the online application process. I had the money the next day. Thank you!

Briony C.
— Ashburton —

Had my cash late after I struggled with the application process. The consultant who tried helping me was lovely.

Frederic W.
— Gisborne —

Seedcash Contact

Physical Address

Postal Address

  • PO Box 105680, Auckland, 1143, New Zealand

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed