The cash could be in your account by
9:22AM Monday
Easy
in New Zealand
Monika
That's why they are called pronto
Sam
They definitely live up to their 9 minute pre-approval guarantee.
Renee
Fast and easy process with affordable pay back options.
Chris
Can't believe how simple and straight forward this was.
Sophie
Great company. They really saved me! And fast!
Chloe
Awesome and easy to deal with, made everything so easy and carefree
Online Loans
Advanced With Our
9 Minute Guarantee!
Our online loans can be cleared and in your account within 9 minutes of you signing your personal loan contract.
With the latest digital signature technology you can have access to instant finance on any device throughout New Zealand. And we make sure the fast case is in your account Pronto with out 9 minute guarantee.
Our custom built system has been designed to ensure Kiwis have access to quick loans and its available for all customers who complete the application form online during business hours and bank with major New Zeland bank (ANZ, ASB, BNZ, KiwiBank, Westpac)
If our quick cash same day loans don't live up to our 9 minute guarantee, we'll make your first repayment for you.
Our online loans can be cleared and in your account within 9 minutes of you signing your personal loan contract.
With the latest digital signature technology you can have access to instant finance on any device throughout New Zealand. And we make sure the fast case is in your account Pronto with out 9 minute guarantee.
Our custom built system has been designed to ensure Kiwis have access to quick loans and its available for all customers who complete the application form online during business hours and bank with major New Zeland bank (ANZ, ASB, BNZ, KiwiBank, Westpac)
If our quick cash same day loans don't live up to our 9 minute guarantee, we'll make your first repayment for you.
Customer Reviews
Why are we fairer?
We reward our good customers with lower interest rates, rather than having one interest rate for everyone. It’s only fair that the safer you are as a borrower, the less interest you should pay.
Using our unique fintech software, we objectively assess each applicant, creating an individual Pronto client rating. This uses a range of data that most lenders don't consider, allowing us to identify positive characteristics of each applicant. Instead of just relying on a historic credit report, our system looks at how you stack up on the day you apply for a loan. We do still use comprehensive credit reports, but combine this data with our own scoring system to provide the best possible assessment of every borrower.
With our Pronto client rating we're able to offer low interest loans to good customers. And our 9 minute guarantee ensures our quick online loans are some of the fastest cash loans in New Zealand.
We also want you to pay your loan off as soon as possible (unlike banks and other finance companies). So we promise to never charge a fee for early repayment. The sooner you pay your loan off; the less you have to repay. After all, we benefit by having the money back to lend out again, so why should you be penalised for paying your loan off early? That seems a little unfair to us.
Faster loans with our digital signature technology
Our quick loans are available all over New Zealand. You can digitally sign your personal loan contract on any device.
Using your smartphone, tablet or computer you can digitally sign your contract and get one of our quick loans NZ wide with everything done online. Our same day loans are made to be easy so you can get instant finance Pronto.
With our mobile technology you're able to get your finance now, backed by our 9 minute guarantee cash advance. You can get your fast mobile loan NZ wide and enjoy faster, fairer finance!
We make sure all of our customers understand what's involved with their loan before they get it. And ensure they're capable of repaying it without any undue difficulty once they've got their loan. Every loan complies with our responsible lending principles.
There are a lot of things to consider before getting a loan. We can answer any questions directly or you can read some of the common questions other customers have had in the past. Check out our frequently asked questions here.
Cost of borrowing
This is set between 11.97% and 29.97% depending on your client rating. This is our own unique system that looks at hundreds of pieces of data to reward safer borrowers and give them a lower annual interest rate. The interest is always fixed for the life of the loan so you know how much you have to repay before you sign the loan contract.
We promise to NEVER charge a fee for early repayment. When you customise your loan using our sliders, you can choose how much you want to repay each week, fortnight or month. Unlike a lot of lenders we encourage you to pay as much as you can reasonably afford, because you will save on interest and get the loan paid off sooner.
This is the fee for receiving, processing and advancing your loan. It’s a one off fee that applies to all personal loans (both new loans and refinances). It is included in your repayments.
Loans of $200-$499: $130.
Loans of $500-$999 : $230.
Loans of $1,000-$20,000: $330.
This is the fee charged to cover the costs of administering your loan. It includes the processing of payments, all customer enquiries and updates, provision of balances and regular statements. It is $3.96 per week, but only charged while your loan is active.
This is only payable if your loan is in default. It is payable daily, but charged weekly. The default fee covers the costs to the company for loans that are a higher risk, due to being in arrears and is $0.97 per day while the loan is in arrears.
Please note that if you default on your loan we do have a credit control process that uses SMS, phone calls, emails and letters to contact you, and these activities will incur further charges. Each loan is different and your loan contract will clearly outline any potential costs involved with being in default.
This is the default interest rate for the portion of your loan that is in default. The Annual Interest Rate for the default interest is 9.95%, however this is not charged on the total balance of the loan, only the balance in arrears.
We want to give you as much control as possible with your loan, but we do have some minimum requirements to ensure that every loan meets our responsible lending criteria. We will run through this with you when you apply, but things such as our minimum loan term of six months and minimum repayment amount of $20 per week are there to protect borrowers, so we may ask that you increase the repayment amount or extend the loan term from your initial application. This is always done before your loan is approved and will be shown in your loan contract before you need to sign it. If you’ve got any questions you can always call us on 0800 543 718 to discuss your unique circumstances.
Our fees are reviewed annually and we do everything we can to reduce them as often as possible, so some older loans may have different fees to those above. However your loan contract will outline the fees applicable to your specific loan.
Faster, Fairer Finance with Pronto
Our quick loans give you access to instant finance in New Zealand. With our 9 minute guarantee cash advance and low annual interest rates from 11.97% you can get faster, fairer finance now!
Using our custom built financial technology we offer personal loans to all types of New Zealanders. To do this we combine a range of data sources with a comprehensive credit check and bank statement analysis to ensure all our loans meet our strict responsible lending criteria. By doing this we're able to help out all types of Kiwis, weather you're full time employed and looking for finance now or you're after beneficiary loans in New Zealand.