Short-term loans · Aotearoa New Zealand

Borrow Now, Pay Later with TerePay

Experience the flexibility of accessing funds when you need them the most while managing your finances.

* All loans are charged interest (see below). Terms and conditions apply.

Ready To Borrow?See what you'll repay

24–48h
Typical review time: Same day
Funds once signed: Fortnightly
Repayment rhythm

Borrowing power in your hands.

Interest of 4.74% applies over an eight week term — 49% APR. Fees apply.

Meet Our Partners

What you can use it for

Life doesn't wait—and neither should you.

With TerePay, you can borrow for what matters most. Our loan amounts are flexible and designed to fit your objectives.

01
Covering unexpected expenses
A car repair, a broken appliance, a bill that landed early.
02
Sending support back home
When family overseas need help before your next payday.
03
Managing medical or family needs
Appointments, treatment and the costs that come with them.
04
Handling travel or urgent bills
Getting somewhere you need to be, without delay.

Every loan is charged interest and is subject to a credit and affordability assessment. Terms and conditions apply.

Loan calculator

See exactly what you'll repay

Interest is 4.74% of the amount borrowed over an eight week loan term, equal to an annual percentage rate of 49%. New customers pay a $50 establishment fee (once only); repeat customers pay a $20 application fee. The fee is deducted from the amount paid to you.

How much do you need?$1,000.00

Between $200 and $2,000

$200$2,000

Loan term

Eight weeks

Interest rate

4.74%

Amount borrowed: $1,000.00
Interest (4.74% over eight weeks): $47.42
Establishment fee (once only)Deducted from the amount paid to you: $50.00
Amount paid to you: $950.00
Fortnightly repayment (× 4): $261.86
Total to repay: $1,047.42

Apply for this amount

All loans are charged interest. Interest of 4.74% applies over an eight week term (49% APR), plus a $50 establishment fee for new customers (once only) or a $20 application fee for repeat customers, deducted from the amount paid to you. All loans are subject to a credit and affordability assessment and our responsible lending checks. Terms and conditions apply.

How to apply

Apply now!

Complete the following questions to get started.

At TerePay, we know time matters. Most applications are reviewed within 24–48 hours. Once approved and your contract is signed, the money will be in your account the same day.

Ready to Apply?Existing customer

All loans are charged interest. Interest of 4.74% applies over an eight week term (49% APR), plus a $50 establishment fee for new customers (once only) or a $20 application fee for repeat customers. Every application is subject to a credit and affordability assessment and our responsible lending checks. Terms and conditions apply.

For information on how we collect, use, disclose, store and protect your personal information, see our Privacy Policy.

What identification do I need to apply for a loan?

To keep things simple, you'll just need:

A valid photo ID (Passport, NZ Driver Licence, or 18+ Card)
Your most recent 3 months of bank statements with your current address noted
Your most recent 3 months of payslips with your current address noted
A valid visa

Need help? Call us on +64 0221358538

What people say about us...

Shahara

Thank you for helping during times of need.

Walter

Your service is a great help to people.

Eric Arambulo

Thank you so much TerePay. A big helped ..Thumbs up

Lyn

I want to thank TerePay for helping my friend and me. You're such a blessing to Us. God bless you

Borrowing power in your hands.

Complete the following questions to get started. Applications are reviewed within 24–48 hours.

Ready To Borrow?

* All loans are charged interest (see below). Terms and conditions apply.

Frequently asked questions

Everything, before you borrow

Does TerePay decline applications?

Yes, TerePay can decline applications if the applicant does not meet the minimum lending criteria. As a responsible lender, TerePay makes reasonable checks to confirm that, based on the information you provide, it is likely that the loan will meet your requirements and objectives, and that you can repay without suffering substantial hardship. TerePay may decline an application for a number of reasons, including: 1. Low credit score / active defaults – if you have an active credit default or a history of missed payments. 2. High loan commitments – if you already have existing debts, and adding another loan may cause substantial hardship. 3. Persistent overdraft or negative bank balances – if bank statements show continuous overdraft usage with high interest rates. 4. Unstable income / irregular earnings – if your income is inconsistent or does not support loan repayments. 5. Incomplete or fraudulent application – if documents are missing, incorrect, or if required identity checks cannot be completed. 6. Recent loan restructuring – if your previous loan had to be restructured, indicating difficulty in repayment. However, you may reapply once your financial situation has improved and meets our lending criteria. If you have any questions, feel free to contact us.

What can you use a TerePay loan for?

Life doesn't wait—and neither should you. With TerePay, you can borrow for what matters most: • Covering unexpected expenses • Sending support back home • Managing medical or family needs • Handling travel or urgent bills Our loan amounts are flexible and designed to fit your objectives.

How long does it take to get approved?

At TerePay, we know time matters. Most applications are reviewed within 24–48 hours. Once approved and your contract is signed, the money will be in your account the same day.

What identification do I need to apply for a loan?

To keep things simple, you'll just need: • A valid photo ID (Passport, NZ Driver Licence, or 18+ Card) • Your most recent 3 months of bank statements with your current address noted • Your most recent 3 months of payslips with your current address noted • A valid visa

Are there any hidden fees?

No, we believe in transparent lending. There are no hidden fees — everything is clearly outlined in your loan agreement, so you know exactly what to expect. You can find full details in our Fees & Charges policy, linked in the footer.

What if I have a question or need help during the application process?

Call us on +64 0221358538 or email info@terepay.com.