FAQ

Here at AdvancedCash, we provide our clients with loans up to $20000, depending on your net income from paid employment. The maximum amount that you can borrow is determined by our affordability calculations, which take into account the repayment amounts after fees have been added and the daily interest that will be accumulated throughout the period of the loan.

There are a number of reasons that may result in your AdvancedCash loan application being declined. These include (but not limited-to):

• You provided false, fraudulent or misleading information, or withholding relevant information;
• You are not over 18 years old;
• You are not currently residing in New Zealand;
• You do not have a valid photo ID (any passport or NZ driving license accepted);
• You are not a NZ/AU Resident/Citizen or hold a valid work visa;
• You are currently not in full-time/part-time employment;
• You have not completed minimum three months of employment with your current employer;
• You are currently not earning at least $300 per week;
• You have an adverse or extremely poor credit history;
• Your financial conduct, as shown on your bank statement, indicating that you have budgetary or existing debt problems;
• You are currently bankrupt/insolvent;
• We were not able to verify your personal information including employment;
• You do not have an active bank account with at least last three months of regular payroll transactions;
• You have provided someone else’s bank account or we were not able to verify your bank account information;
• You do not have an access to internet;
• You do not have an active and registered mobile number;
• You do not have an active email address.

Yes – simply call us on 0800 23 2274 (AD CASH) or email us at loan@advancedcash.co.nz and one of our staff will ensure your application is amended with the new loan value.

It’s surprisingly easy and quick to apply for a personal loan with AdvancedCash. Your loan application can be sent in 3 different ways:

1. Website: Fill-up and submit our online loan application form and we will get in touch with you to go through the application.
2. SMS: You can apply for a AdvancedCash loan by sending a FREE SMS to 5808 in a specific message format. For example, If u want $5000 and your personal AdvancedCash PIN code is ABC12D, then send the following free SMS to 5808: “Advanced Loan $5000 ABC12D“. (only available for returning customers)
3. Phone: You can contact our office on 0800 23 2274 (AD CASH) between the hours of 9:00AM and 5:30PM (Monday to Friday) and one of our friendly staff member will assist you to lodge a loan application recalling your previous application details. (only available for returning customers)

Be sure to read the Terms and Conditions before sending your loan application.

Only in the event that we are unable to verify the information provided to us in your loan application. We may simply require you to fax or scan and email supporting documents, so we can complete the loan approval process.

Yes – AdvancedCash is committed to the Responsible Lending Code. We aim to only lend to qualified applicants who we believe can easily afford to repay us as agreed. However, if you do not have a great credit rating, we may still assess your application considering your other financial circumstances including but not limited to your current affordability (subject to approval).

Yes – you will need to provide us an active New Zealand bank account that is under your name. This bank account should be the one that your wages/salary is paid into, as it will help us to determine your loan repayment ability and aid your employment verification process.

AdvancedCash typically provides short-term cash loan if you meet the following (but not limited-to) requirements:

• You need to be over 18 years old;
• You need to be currently residing in New Zealand;
• You need to have a valid photo ID (any passport or NZ driving license accepted);
• You need to be a NZ/AU Resident/Citizen or hold a valid work visa;
• You need to be working full-time/part-time for at least three months with your current employer;
• You need to be earning at least $300 per week;
• You need to have an active bank account with at least three regular payroll transactions;
• You need to have an access to internet as our loan application process is 100% online;
• You need to have an access to your internet banking (optional if you are seeking a loan of less than $1500);
• You need to have an active and registered mobile number;
• You need to have an active email address.

If you do not fulfill all above requirements then you may not qualify for a AdvancedCash personal loan – if you’d like us to explain why, please contact us.

We require basic details such as your name, date of birth, address, phone number, email address, recent bank statement, valid photo-id, employment information and recent debt liabilities. We require this information in order to confirm your identity, assess your application and approve your loan. Please ensure all information is correct, as this helps your chances of your loan being approved. AdvancedCash also takes measures to ensure that any personal or financial information shared by our clients is fully protected, as we employ secure socket layer (SSL) encryption technology. For more information on the collection and potential uses of your details,, please read our Privacy Policy.