Get a free loan My Superloans

Need a short-term loan fast?

Whether you need cash for an unexpected expense, a surprise bill, to avoid a nasty dishonour fee, or maybe just simply to get by until your next pay, then a Superloans Pawn Loan might be a great option to help you get through. And if it’s your first time borrowing from us, the loan could be free!

How does a Pawn Loan work?

Pawn Loans are a secured loan - this means you leave something behind with us, and we lend you cash against that item. You can pay back that loan at any point, as long as it's within three months from the date you took the cash. If you pay back the loan within three months, then you'll get your item back!  

There’s no establishment or administration fees and the interest rate is a fixed amount per month. That means you won't get charged increasing amounts of interest each month like you would with a cash loan from a bank. The sooner you pay the loan back, the less interest you pay, and the sooner you’ll have your item back! We talk you through all this in the application process so you know exactly what you are signing up for.

Secured loan

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Quick turnaround

Because the loan is secured against an item you own, we can go through the approval process in a snap.

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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 in your bank account.

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Flexible repayments

Pay back the loan at anytime in the three month window to redeem your item, and  there’s no penalty for paying it back early! The sooner you pay it back, the less interest you pay.

Getting a Pawn 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 waiting for a payment to clear!

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Come into your local branch

You’ll need to bring the item you want to leave with us, some 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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Cash in your hand

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

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Repayments

You can repay the loan at any time in the three month loan period and there’s no penalty if you want to pay it all back earlier! You’ll get your item back as soon as the loan is paid off.

Need to extend the loan duration?

After three months, if you can’t pay off the loan in full, we’ll happily extend the term of the loan. Simply pay an interest charge and we’ll extend your time.

Pawn Shop NZ

Need another Loan?

If you want another loan at some point in the future it’s super easy! We keep all your details on our database so you won’t need to bring in your ID or fill in any more forms. If you want to use the same item that you used as security before, you'll be in and out, with cash in hand, in only a few short minutes.

How much can you borrow?

This will depend on the value of the item you are bringing in, and we'll evaluate that at the time, but here's some general guides to help give you and idea of what your item might be worth.

What things can you use as security?

Here is an idea of the most common things that are used for security on a Pawn Loan with us. 

If you have something that's not on the list, please contact us to find out if we'll accept it.

  • Pawn
  • Premium Pawn
  • Auto Pawn

Pawn

Sports Equipment icon

Sports Equipment

Surfboard, fishing rod, dive gear, mountain bikes, road bikes, snowboard.

Home Entertainment icon

Home Entertainment

LCD television, plasma television, home theatre system, projector.

Photographic Gear icon

Photographic Gear

Video camera, SLR camera, digital SLR camera, digital photo frame, binoculars.

Vehicle Equipment icon

Vehicle Equipment

Mag wheels, radar detector, navman GPS.

Computer Equipment icon

Computer Equipment

Mobile phones (Apple iPhone, Samsung, HTC, Huawei, Microsoft etc), tablets (iPad, Galaxy tab’s etc), Laptops, Desktop computer, notebook, handheld computer, LCD monitor, two-way radio.

Musical Equipment icon

Musical Equipment

Acoustic guitar, electric guitar, keyboard, turntables, mixers, DJ equipment, amplifiers.

Audio Equipment icon

Audio Equipment

Home stereo, MP3 player, rack system, subwoofers, speakers.

Gaming Equipment icon

Gaming Equipment

PS4, Xbox One, PS3, Xbox 360, PSP, Nintendo Wii, and games.

Tools icon

Tools

Skill saw, mitre saw, drop saw, grinder, drill, planer, nail gun, chainsaw, compressor, water blaster, router, lawn mower, line trimmer.

Jewellery icon

Jewellery

9, 14, 18, and 22 carat gold rings, chains, and bracelets.

Premium Pawn

Luxury Watches icon

Luxury Watches

Omega, Tag Heuer, Rolex, Cartier, Ebel, Breitling, Patek Phillipe, Panerai, Audemars Piguet, Franck Muller, and more.

Jewellery icon

Jewellery

Gold or platinum rings, necklaces, bracelets, earrings, brooches, and more. The jewellery can be with or without diamonds and other gemstones.

Fine Art icon

Fine Art

Paintings, sculptures, vases, and more.

Home Entertainment icon

Home Entertainment

Home theatre, stereo, TVs and more.

Auto Pawn

Cars icon

Cars

Classic Cars icon

Classic Cars

Vans icon

Vans

Motorbikes icon

Motorbikes

Boats icon

Boats

Watercraft icon

Watercraft

Heavy Machinery icon

Heavy Machinery

Trucks icon

Trucks

Buck is thinking

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 chat or contact us.

What can I bring in for a pawn loan?

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

What if I have bad credit?

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.

What's the maximum I can borrow?

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

Can I have more than one Pawn Loan?

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

Can I pay my Pawn Loan off?

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

When I've repaid my Pawn Loan, can I come back for another Pawn Loan?

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.

Will my item be sold if I don’t repay my loan?

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

Are my goods safe while held in your branches?

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

Can I bring in more than one item?

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.

What happens if I can't pay to redeem my item but still want to get it back?

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

I want to Pawn my car, what do I need to know?

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.

What can I do to make the loan process faster?

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.

More FAQs

Here's what our customers have to say

READ ALL SUPERLOANS REVIEWS

Credit history issues? No Problems

With a Pawn Loan, we secure the loan against something that you own. That means you leave the item with us, and you can get the cash you need when you need it, fast. This way your credit report or credit score isn’t even a factor. Come in and see our friendly staff and have a chat about how much we can loan against an item. Remember, if it’s your first loan, it could be FREE!

Find a store near you

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