Get a free loan My Superloans
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How much can you borrow?

Use our calculator as a guide to see how much you can borrow and what your repayments will be.

Is this your first loan with Superloans?
First time customers pay no interest or fees

How often are you paid?


You must earn at least $400 a week to qualify for this promotion.

Representative loan example

A $10,000 loan with an interest rate of 0.58% per week, establishment fee of $149, weekly fees of $4 per week, and total interest of $1,622.24,
repaid by 52 weekly payments of $230.42 will have a total payable of $11,981.84.
The APR of this loan is 19.87% per annum.

Loans only suitable for short-term needs. Not suitable for long-term or regular borrowing

Get lower interest rates and larger loans with Super Score

Super Score rewards you for making Express Loan payments on time and redeeming your Pawn Loans.


Super Score - more cash less interest

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App screenshot
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App example screenshot

Manage your loans with the My Superloans app

Pawn Loans

See the time remaining on your Pawn Loans, and extend the term if you need more time.

Express Loans

View your balance, and keep on top of your upcoming payments. If you need more cash, you can easily see when you can top-up.

Making a payment

Quickly and securely make additional payments direct from your bank account.

Check out your Super Score

Watch your Super Score go up and your credit limit increase as you make your loan repayments.

Available on Desktop, Android and iOS

My Superloans Online App Superloans Android App Superloans iOS App

Here's what our customers have to say



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Common FAQs

Below are some of the common questions we get asked.

If you can't find your answer there you can chat with us or contact us

Do you qualify?

Do you earn at least $350 per week after tax? From salary, wages or benefit (can be combined)

Is your income (salary, wages or benefit) direct credited into your account?

Do you have internet banking (if you don't it only takes 5 minutes to organise simply phone your bank or call into your nearest branch)?

Have you got photo ID — your driver’s licence, passport, an 18+ card with a birth certificate, or firearms licence?

If employed, have you been with your employer for more than 90 days?

Can you give us proof of address — From your bank or a government department. Eg. WINZ, HOUSING NZ, LTNZ?

Can you supply a phone number for yourself and alternative phone numbers for people not living with you — a partner, family members, or friends?

How old do I need to be?

18 years and older.

Can I apply if I live outside the Wellington or Hawkes Bay area?

No, sorry you need to be a Wellington or Hawkes Bay resident.

Are there any hidden fees?

No, all the fees are clearly described in the loan document. We will discuss with you all the fees associated with your loan as well as the interest applicable, during the application process.  See our Costs for all fees.

What if I have bad credit?

We evaluate your circumstances and look at your ability to pay back the amount you would like to borrow, credit history is one thing but we take into account your current situation. Also, when you complete paying off your loan with us we will supply positive credit reporting, so a loan with us could help improve your overall credit rating. We allow you to build a credit history with us with our Super Score programme which can allow you to borrow more with us in future at a lower interest rate.

Do I need to fill out a new form and bring ID each time I get a new loan?

No. When you get your first loan with us, your details are stored in our database.

If I didn't repay my last loan, can I come back for another one?

Yes, you can.

I'm self-employed. Can I get an express loan or a pawn loan?

It depends if you are subcontracting to a firm and receive regular, recurring payments and meet our other criteria, then yes. However, if you cannot meet those criteria, a Pawn Loan is always an option.

I’m on a benefit. Can I get an express loan or a pawn loan?

As long as you receive a minimum of $350 per week and meet the other criteria, we can do loans for people on the following benefits:

  • Orphan's Benefit
  • Sole Parent Support
  • Supported Living Payment
  • Unsupported Child's Benefit
  • Working for Families
  • NZ Superannuation

I can't afford the repayment, what can I do?

Contact us as soon as possible and depending on your situation we will do whatever we can to assist you.

What happens if I miss a payment?

On the first dishonoured payment, we'll send you a text message alerting you to a missed payment. If you contact us immediately and make a manual payment, you'll not incur any default fees.

If you don't reply to the text message, we'll continue to try to contact you by text message, phone, and email.

  • Day 1 – 2: Send you a text message alerting you to a missed payment asking you to contact us.
  • Day 3 – 4: Also attempt to contact you by phone and email.
  • Day 5: Will extend your loan agreement for an additional pay period.

If we extend your loan term, you'll need to pay the interest for the additional pay period/s. And see our Costs for the dishonoured payment fee.


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Contact Us


60 Adelaide Road
04 801 6452
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3 Lyttelton Avenue
04 237 0169
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Lower Hutt

334-336 High Street
Lower Hutt
04 568 8419
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39 Carlyle Street
06 833 6570
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630 Heretaunga Street West
06 870 3986
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Saturday - 9am to 3pm
Sunday - Closed

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