Get a free loan My Superloans

First timer? We have some good news for you

If you’re a first time customer, then your first Pawn or Express Loan up to $500 with us could be free. No administration costs, no interest and no hidden charges.

If you need a short-term cash loan for an unexpected bill, an urgent house or car repair, or maybe need to fund sudden medical costs, then we've got you covered. We’ll welcome you with a Pawn Loan or an Express Loan for free if you're a first-time customer here at Superloans!

Quick & Easy Interest Free Loans

At Superloans, we’ve made the entire process simple. For an Express Loan, you can apply online and then come into one of five stores in Napier, Hastings, Lower Hutt, Porirua or Wellington to finalise your loan and get your cash. For a Pawn Loan, all you need to do is head into one of our stores with your electric guitar, PlayStation, or any other item, and only a little while later you’ll be walking out with some sweet cash.

*Fees may apply if the loan varies from the original contracted terms.

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 regular 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 $400 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?

For your first, free loan, you can borrow up to $500.

The amount you can borrow will be dependent on your income. Check our calculator to see how much cash you could walk out with.

If you need more than $500, you will need to apply for an Express Loan (Express Loans over $500 do not qualify for the first loan free offer), or you could pawn an item of high value. 

Do you do credit checks?

A credit check is part of our application process, combined with other checks we complete using our own Responsible Lending Guidelines. However, we also take into account your current circumstances, not just your credit rating. Check out our Bad Credit loan page if you're concerned about your credit rating. 

Can I repay my Free Loan early?

You sure can, and you won't be charged any penalty or fees for doing that. We encourage our customers to pay back their loans as fast as they can!

What happens if I miss a payment?

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

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

  • Day 1 – 2: Send you a text message and chat 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: We'll 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. Have a look at our Costs page to understand the fees, interest and charges for an extension and 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, text and messenger chat.
  • 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 an external debt collection agency.

More FAQs

Contact us today

Wellington

60 Adelaide Road
Wellington

wellington@superloans.co.nz
04 801 6452
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
04 237 0169
Business hours

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

Meet the Team

Lower Hutt

334-336 High Street
Lower Hutt

lowerhutt@superloans.co.nz
04 568 8419
Business hours

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

Meet the Team

Napier

39 Carlyle Street
Napier

napier@superloans.co.nz
06 833 6570
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
06 870 3986
Business hours

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

Meet the Team