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 stuff. Please see Items we accept.

What if I have bad credit?

No worries! We're loaning against your goods, so you could have the worst credit ever and we’ll still help you out.

What's the maximum I can borrow?

That depends on what you bring in. The more expensive an item, the better the loan we can do.

Can I have more than one Pawn Loan?

Sure can.

Can I pay my Pawn Loan off?

You’re welcome to come in and put part payments towards the interest. However, the amount you first took out (the principal) must be paid off in one go.

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

Yes, you can. And if you bring back the same item, the loan will just take a few minutes.

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

Yes, but this is a last resort. We'll contact you three times over a 3-month period. 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?

Definitely. Each branch is fully alarmed and monitored. Your goods are safe here.

Will my item be used while in your branch?

Definitely not! We have a strict company policy that any item brought into our branch is not used while on loan.

Can I bring in more than one item?

You sure can.

What can I do to make the loan process faster?

To make your loan process faster bring any of the following things along with you:

  • Valuation documents.
  • Receipts for the goods your pawning.
  • Insurance documents.

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

Your vehicle must have no finance owing on it. And it must be:

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

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
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