Get a free loan My Superloans

First timer? We have some good news for you

If it’s your first time borrowing from Superloans, then your loan could be FREE - that means no interest and no fees!

Our Free Loan is an Express Loan or a Pawn Loan that’s for $500 or less. There’s no fees, no administration charges and no interest. We loan you the cash, and you pay us back in the agreed time, dollar for dollar. Easy!

Interest free loans

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Repayments on your budget

We’ll work with you to make a repayment plan that works with your lifestyle.

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Borrow up to $500

With our Free Loan you can borrow up to $500. No fees, no interest. Simple.

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No hidden costs

Pay back your loan within the agreed time and you'll pay no interest or fees.

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?

$0

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

Super Score - more cash less interest

Build a Super Score!

From the moment you take your first loan with us, each repayment you make that is on time will earn you points that will be added to your very own SUPER SCORE! As your points grow, you start unlocking benefits, like increased credit limits and lower interest rates on any future loans! More about Super Score.

Credit history issues? No Problems

Had a loan application declined because of your credit score? At Superloans, we look at the big picture. We take into account your current situation - not something that happened years ago.

Come in and see our friendly staff to chat about your loan options, and in just 15 minutes, you could walk out with the cash you need.

 

Credit rating

Improve your Credit Rating!

As you pay off your loan on time, we update your credit rating with positive reporting. That means any loans you have with Superloans could 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.

Get cash in hand today!

Apply now
Buck - your first loan free.

Have you got questions?

If you have questions, check out our FAQs. If you can’t find the answer there, ask us by using the chat or contact us.

How much can I borrow?

You can borrow from $100-$500. The amount is based on your income. Check our calculator to see how much cash you could walk out with.

Do you do credit checks?

We assess your application using our own Responsible Lending Guidelines, a credit check is part of that process however we review your current circumstances while assessing your loan application.

Can I repay my Free Loan early?

You sure can.

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.

What happens if I stop payment of my free loan?

Our staff will attempt to contact you to discuss your situation and try to assist you in any way possible.

  • Week 1: Attempt to contact you by email, phone, and text.
  • Week 2: Attempt to contact you through your alternative contacts and work (if applicable).
  • Week 3: Field officer visit - sent to your home or place of work.
  • Week 4 onwards: Continue to attempt contact until the loan reaches 'under collection' status. This occurs when the interest and fees are equal to the original loan value. Once the loan is placed under collection, the debt is listed with a external debt collection agency.

More FAQs

Contact us today

Wellington

60 Adelaide Road
Wellington

wellington@superloans.co.nz
0800 333 000
Business hours

Monday to Friday - 9am to 5pm
Saturday - 9am to 2pm
Sunday - Closed

Meet the Team

Porirua

3 Lyttelton Avenue
Porirua

porirua@superloans.co.nz
0800 333 000
Business hours

Monday to Friday - 9am to 5pm
Saturday - 9am to 2pm
Sunday - Closed

Meet the Team

Lower Hutt

3a Pretoria Street
Lower Hutt

lowerhutt@superloans.co.nz
0800 333 000
Business hours

Monday to Friday - 9am to 5pm
Saturday - 9am to 2pm
Sunday - Closed

Meet the Team

Napier

81 Carlyle Street
Napier

napier@superloans.co.nz
0800 333 000
Business hours

Monday to Friday - 9am to 5pm
Saturday - 9am to 3pm
Sunday - Closed

Meet the Team

Hastings

630 Heretaunga Street West
Hastings

hastings@superloans.co.nz
0800 333 000
Business hours

Monday to Friday - 9am to 5pm
Saturday - 9am to 3pm
Sunday - Closed

Meet the Team