Short term loans on YOUR terms
We give you the ability to borrow short term funds in a quick and easy way.
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
You must earn at least $350 a week to qualify for this promotion.
For existing Superloans customers your loan amount is determined by your income and Superscore.
Login to My Superloans below to see how much you can borrow.
Sony Playstation 4
Makita Cordless Drill
Fender Electric Guitar
Samsung Galaxy Tablet
* The amount we lend is based on the age, brand, and condition of the goods you're pawning. We will value the item in store.
Manage your loans with the My Superloans app
See the time remaining on your Pawn Loans, and extend the term if you need more time.
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.
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:
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.
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.