Pawn Loan

No sorry. At the moment, we can only process loans for customers in the Wellington, Kapiti, Wairarapa, Napier, Hastings, Wairoa, and Central Hawkes Bay regions. 

We sure do. Everyone is treated the same at Superloans.

Yes you can! A lot of our customers had a bad credit score to start with. We look at your current ability to repay a loan, not what happened in the past and we repair your credit score with Superscore

You sure can. The My Superloans App tells you when a top-up is available and how much you can walk out with if approved.

The amount you can borrow depends on a number of factors. However, most new customers take advantage of our Free Loan up to $500. Check our Calculator to see how much cash you could walk out with.

You sure can, and since you're an existing customer, your details are retained in our system, making the process even easier. Just pop into a branch to get your next loan sorted.

A Pawn Loan is perfect if you are self-employed. However, you may be approved for an Express Loan if you get a regular income, and meet the other criteria. Apply for a Free Loan to see if you qualify.

No, you don't. Once you've been approved as a Superloans customer and taken your first loan, all of your details are stored in our system. 

You must be 18 or over to obtain an Express or Pawn Loan

For an Express loan, the short answer is, it depends on the situation. You are welcome to apply and the credit team will discuss your options. 

There is no limit on Pawn Loans, so if you aren't able to get a second Express Loan, you are welcome to get a Pawn Loan as well.

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. 

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. 

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!

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 won't 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: 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.

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.

We accept all sorts of things. Check out the most common items here.

No worries! Since a pawn loan is made against an item of value that you own that we hold until repayment, we aren't concerned with your credit rating.

It all depends on the condition, age and resale value of the item you're bringing in to pawn.

There's no limit to the number of pawn loans you can have at any one time.

You can, but you can only put a part payment towards the interest portion of the loan, the principal amount needs to be paid in a lump sum.

Absolutely. You can bring an item in for a pawn loan at any time. If you bring back an item you've pawned previously, the loan will only take a few minutes.

Yes, but this is the last resort. We'll contact you three times over a 3-month period and, but if we don't hear back from you, we’ll auction the item to recover our costs.

Absolutely. We take good care of your items, and we take security seriously. Your goods are safe here.

Absolutely. That's a good option as it gives you and us more flexibility over loan amounts as one item may be a higher value than the others, or, we can do multiple loans for you at once.

No problem. You can extend the contract for a month by paying the interest for that month by simply jumping on the My Superloans app, and following the instructions or come into the store and one of our staff will help you out.

Most importantly, your vehicle must have no finance owing on it. 

It also must be:

• in your name,
• 12 years old or less (classics excluded),
• insured, and
• registered and warranted.

To help speed up the process. If you have any of the items below bring them along with you:

• ­Valuation documents.
• Receipts for the item/s.
• Insurance documents.