The Little Loan Shop

Cash When You Need It

  • Cost competitive payday loans from $200 to $600

  • Cash to you within 60 minutes of approval 9:00 - 4:00 weekdays


A little loan - no surprises!
How much will my loan cost?

Why The Little Loan Shop?

Easy, confidential online application for fast cash loans Trusted Lender
Less than perfect credit considered. We've helped thousands of people
Fast and efficient application process. All online

What you need to get a loan

You must be earning at least $450 per week after tax. And more than half of this must come from paid employment
Your pay must be deposited in your bank account on regular basis. We don't lend to self-employed
You need to have internet access, an active email and a mobile phone


How it works


You apply in minutes and we assess your application within 60 minutes.


You confirm your acceptance after receiving an offer from us by email. No obligation to accept


You receive the money in your bank account


We direct debit the repayments from your bank on your pay day as agreed

Is The Little Loan Shop Right For You?

Only take out a loan if you can comfortably manage the repayments. Not sure if you should get a loan? Look at the videos called "It's all good" from the NZ Commerce Commission which explain your rights. It's all good
Our loans are for short term only, usually 1 to 6 weeks. Don't use this type of loan for long term financial needs
Late of missed payments will mean extra charges and may affect your credit rating



Help and Support

Check out our FAQ for information about our loans
Call our friendly team on 0800 503 114 during office hours Monday to Friday 9:00 to 4:30


What is a Payday Loan from The Little Loan Shop?

Payday loans are small loans deposited in your bank account on the same day you need the money, usually for amounts under $600. The money is only borrowed for a short time and paid back on you next payday or spread over the next few pay days.Payday loans are also known as Same Day Cash Advances, Fast Cash Loans, Payday Advance, Short Term Loans, Instant Loans and similar names. What sets them apart from other loans is the small amount borrowed, short pay back time and higher annual interest rates.

The Little Loan Shop is an established finance company and registered Financial Service Provider specializing in payday loans. Our costs are amongst the lowest when compared to other payday lenders and fast cash providers in New Zealand. An application for a loan is done online from anywhere in New Zealand and everything from providing your ID and bank statements to digitally signing a credit contract is all done online. Our up to date technology has made getting a short-term loan even easier!

The Little Loan Shop is fully transparent and has no hidden fees or costs.You can view the interest and costs before and during the application process and can pull out of the loan application at any time. You will, of course, be provided with a full breakdown of your loan before entering into a contract.


How Fast Cash Loans can help you

From time to time we find out we simply don't have enough money on hand or in our bank account to pay a bill that is due. Or an unexpected request for money pops up and it's still some time until pay day. This is where a Fast Cash Loan from the Little Loan Shop can help. Our lending service is designed for these types of emergencies and we are set up to get money to you quickly. Our advanced technology platform for handling loan requests means we can provide fast cash loans to anyone, anywhere in New Zealand provided they meet our lending criteria. The words Fast Cash Loan implies you get the money as cash in the hand, but that is just hang over from yester-year. These days the money is deposited in your bank account, within 60 minutes of approval if you pay the $5.00 Express Payment fee.

We want to be clear about the cost of a Fast Cash Loan from The Little Loan Shop. Each time you take a cash advance of any amount, an Establishment Fee between $40.00 and $86.00 applies. An Express Payment fee of $5.00 is added if you require the money in your bank account within 60 minutes of approval. These fees are added to the loan so you don't pay this upfront. The combined total of the money advances and fees is called the initial unpaid balance

An Account Administration Fee of $6.10 per month is applied to your loan. This is paid at the start of each month and the minimum amount is $6.10.

The interest rate is 49.5% per year. Put another way, the interest cost is $0.95 per week per $100 borrowed. Since Fast Cash Loans are only for a short time, everything must be repaid within 42 days. But it does not have to paid back all at once, we accept part payments as long as everything is settled within 42 days