Getting a Cash Loan - The Little Loan Shop


  • It’s easy to apply for a cash loan with The Little Loan Shop. We’re here to help people with an urgent cash need. You can borrow up to $600, depending on your financial circumstances.

  • It’s simple to submit a loan application. Four steps and you’re done. Use our Loan Calculator to check out the repayment amounts. Everything can be done online with no faxing or scanning

  • It’s quick - once your application for a fast cash loan is approved the money can be in your account in 60 minutes.

  • It’s confidential. We don’t contact your employer. But we do run a credit check.

  • It’s cost competitive. The repayment amounts are among the lowest compared with other payday loan companies. The repayments can be spread over 1 to 6 weeks, depending on your circumstances.

These cash loans are suitable for occasional borrowing only and should not to be used as an ongoing source of credit. Got a question?


How it works – first time applicants

Start by using the Loan Calculator to check out the loan and repayment options and see if a loan is affordable for you.

  1. If you decide to proceed, click on the First Time Applicant Apply Now button.

  2. This will take you through the application form and provide us with enough information to assess your request. You will be asked to enter your bank account, photo ID details and contact information so be sure to have these ready. We use a secure link for you to supply bank statements - your bank login details are confidential to you and we don't see them.

  3. It’s over to us once you have completed the online form. We assess your application, and, if successful will send a copy of the credit contract and direct debit form for you to sign digitally.

  4. Once you have signed this document, the cash loan amount is transferred to your bank account.

APPLY NOW    Returning Clients Click Here



Loan costs

We want to be clear about the cost of borrowing. Short term cash loans are an expensive way to borrow money and should only be used occasionally. At The Little Loan Shop our fast cash loans are competitively priced when compared with other payday or cash loan lenders. The interest rate of 250% per year is fixed for the loan term. Note that other fees apply - please check out the details Loan Costs

Returning Clients

If you’ve already had a loan with The Little Loan Shop, applying for a new loan is easy. Simply login with your email address and password, select Apply for Loan and enter the fast cash loan amount, repayment details and submit. Then just agree to the online Credit Contract displayed and that’s it – no documents to sign!  We assess your application and if approved, advance the cash loan to your bank account.
After 3 loans we can review your credit limit and increase it up to $600, depending on your financial circumstances -just ask. We may need to see up to date bank statements to help our assessment and we will send a bank statement link if needed.


Your personal records with us are confidential

When you deal with The Little Loan Shop you can expect complete confidentiality. All your records are secure and we don’t contact your employer. However, please see the Privacy Waiver and Consent document you agreed to when you first applied. This gives us permission to share your details with credit bureaus to carry out credit checks and provide them with your contact details and financial history with us. Important Information


To be eligible for a loan the following criteria must be met:

  • You must be earning at least $450 per week after tax
  • Your pay must be electronically deposited in your bank account regularly
  • You need to live in New Zealand
  • You must be at least 18 years old
  • You must have an active email account so we can communicate with you
  • You need to have a mobile phone so we can communicate by text and phone

Returning Clients