Get a free loan My Superloans

Do you need cash?

Whether you need cash for an unexpected expense - like paying a bill to access an early payment discount, or you need a bit of cash to avoid a dishonour fee, maybe a last minute holiday or a gift to surprise your friends or family, then our Express Loan could be the perfect option for you. Even better, if it’s your first time borrowing from Superloans, then the loan could be free!

What is an Express Loan

An Express Loan is an unsecured loan. An unsecured loan means that you don’t need to leave anything with us in order to get your cash. We will have a look at your income and expenses and then discuss with you what we can lend to you based on your actual situation.  

Loan repayments that work for you

We work out a repayment plan with you so that we both know that you’ll be able to make repayments without creating a burden. We want you to be able to pay us back while maintaining your lifestyle. We will talk you through this in plain English during the application process so you know what you are signing up for - that means there are no surprises.

Easy personal loans

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Borrow up to $10,000

You can borrow as little as $100 or as much as $10,000 depending on your individual situation.

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Cash in your hand

Get sorted quickly with cash in your hand. No need to wait for a payment to clear into your bank account.

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Flexible repayments

We’ll work with you to make a repayment plan that works with your lifestyle so you can get things you need, when you want them.

Getting an Express Loan is easy!

The approval process can take as little as 15 minutes and you can have the money you need in your hand. No more waiting for money to appear in your bank account.

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Apply online

Complete our quick and easy online application. It takes less than 5 minutes to complete. After you've applied, we’ll call you to confirm everything is in order.

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Come into your local branch

You’ll need to bring your photo identification and a contact cellphone.

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Fast approval

No mucking around - we'll prepare the contract and talk you through it.

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Instant cash

Once we have an agreement, you sign the contract and can walk out with cash in your hand. Simple!

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How much can you borrow?

Use our calculator 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?

$0

You must earn at least $300 a week to qualify for this promotion.

Additional features

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First Loan Free

If you’re a new customer to Superloans, and you meet our criteria, your first loan could be free!

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Refer Rewards

Introduce your friends and family to Superloans and get rewarded

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Super Score

Earn Super Score points each time you make a payment on your Express Loan. 

Need another loan? It's simple!

Applying for another loan is easy once you're a customer - your information and history are already secured with us!
Visit your nearest branch today!

Credit history issues? No Problems

At Superloans, we look at far more than your credit report or your credit score in order to decide if we’re going to give you a loan - we look at the whole picture.

Come in and see our friendly staff and in just 15 minutes you could walk out with the cash you need.

Fast unsecured loans

Improve your credit rating with us!

As you pay off your loan on time, we update your credit rating with positive reporting. This means your loans with us can actually improve your credit rating!  

If you're interested in knowing what your credit rating is, it's free to find out.

Visit www.centrix.co.nz.

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Have you got questions?

We're always here to help. If you've got questions, check out our FAQs and if you can't find the answer there ask us by using our chat or contact us

How much can I borrow?

A new customer can borrow up to $2,000. Existing customers can borrow up to $10,000, depending on their Super Score.

How do I repay the loan?

The repayments are made by direct debit, in-line with your payday.

Can I have more than one Express Loan at a time?

No, you can't. But you're welcome to take out a Pawn Loan while you have
an Express Loan

Can I top up my Express Loan?

Yes, you can. But only after you've repaid half or more of your scheduled loan repayments.

Can I repay my Express Loan early?

Yes, there's no penalty or fees. You only pay interest up to that date.

Can my partner apply for an Express Loan as well?

As long as they meet our criteria and your incomes go into separate accounts then yes, they can.

I’ve paid back my Express Loan. Can I get another one?

Yes, you can and since we have your profile in our systems it’s even easier.

What happens if I stop paying off my Express Loan?

If a loan account has had three consecutive missed loan payments, the account is frozen and sent to collections to recover the debt, our collections team will:

  • Week 1: Attempt to contact you via email, phone and text.
  • Week 2: Attempt to contact you via your alternative contacts and work (if applicable).
  • Week 3: Field officer visit - sent to your home or place of work.
  • Week 4: If no contact has been made, or a payment plan is in place, we engage Baycorp to collect the debt for us.

 

More FAQs

Not the right loan for you?

If you don't think our Express Loan is the right fit for you, then have a look at our Pawn Loans.