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Express Personal Loan

Quick cash when you need it, with terms that work for you. Secure the funds you need today with our Express Personal Loan. Fast approval, No collateral required, and the First Loan is Free! 

Why Our Loans Are a Cut Above the Rest

  • First Loan Free: New customers enjoy their first loan without interest or fees.
  • Speed: Fast processing and same-day funds access.
  • Flexibility: Tailored loan amounts and repayment plans.
  • No Collateral: No need to secure your loan with personal assets.

Loans Tailored to Meet Your Needs

  • Flexible Loan Amounts: New customers can borrow from $500 - $5000
  • Customised Repayment Terms: Based on the financial situation & pay frequency
  • No Collateral: Unsecured loans mean you don’t need to put up your assets.
  • Same Day Approval: We ensure you get the funds you need when you need them.
  • Transparency: No hidden fees or surprises.

Do You Qualify?


Do you receive $400 a week? From salary, wages, and benefits after tax.


Do you live in the Wellington or the Hawkes Bay regions? You have to come into a branch for your first loan. 


Is your income direct credited into your bank account? The account must be in your name.


Can you supply your phone number and an alternative one? The alternative needs to be a partner or family member.


Do you have internet banking? If you don't, your bank can help you set this up.


Have you got a photo ID? Driver's Licence, Passport, Firearms licence, 18 + Card & Birth Cert


Are you employed? If you are has it been for 30 days or more?

How to Apply

The Advantages of Our Streamlined Loan Application

Accessing the funds you need has never been easier.

  • Quick & easy 8 min application 
  • Apply online from the comforts of your home, or work, or:
  • Visit the branch and let our friendly team guide you through the process.
  • Funds transferred on the same day.

Simple, Fast & Secure Loan Application

  1. Application: Enter all of the required information.
  2. Document Submission: Upload necessary documents
  3. Submit Banking: Log into your bank & let our software do the rest.
  4. Confirmation: Receive an email & text confirming your application.
  5. Review: You will hear from our credit team if they have queries
  6. Approval: Review and accept your loan agreement.
  7. Funds Transfer: Access your funds by direct debit or cash at the counter on the same day.

Additional Benefits

My Superloans App: The Ultimate Loan Management Tool

My Superloans provides a hassle-free and efficient method to manage your loan online in real time.

  • Loan Balance: Easily view the current balance of your loan to stay on top of your finances.
  • Repayment Management: Manage your repayments by postponing them, making prepayments, or paying off the entire balance.
  • Loan Statements: View and download loan statements.
  • Applications: You can apply for new loans and top-ups in just a few minutes.

Superscore: Building a Better Credit Future

Superscore is our bespoke credit scoring system that provides customers with progressively better terms over time.

  • Reduced Interest Rates: Reduced interest rates on subsequent loans over time.. 
  • Enhanced Credit Limits: A higher Superscore qualifies for increased loan amounts. 
  • Comprehensive Credit Reporting (CCR): Superloans collaborates with Centrix to enhance your credit history, which benefits you in future financial activities outside Superloans.


Superloans | Express Personal Loan | FAQ's Logo

We have the answers to our most common queries in our comprehensive FAQ's.