Design Your Loans

Who can apply?

To apply for a quick and easy loan from Too Easy you need to:

Be a citizen or permanent resident of New Zealand

Hold a New Zealand drivers license

Have a mobile phone number with the account in your name

Have a personal New Zealand bank account that is in your name

Collateral or guarantors are not required.

How much are the quick cash loan processing fees? What about repayment period?

It depends on how much you borrow and over how long. Use our loan calculator to see the fees you would pay. There are no additional fees or hidden costs.

Too Easy is here for you from Monday to Friday 9:00 to 5:00 pm. Our quick and easy application service is 24/7. If your application is completed outside business hours, you will hear from us the next business day during operational hours about your application status.

How soon will my loan application be approved?

Too Easy aims to let you know as soon as possible if your application has been successful. We will inform you of the approval status decision during normal business hours. At peak times, processing may take a little more time.

How do I apply for a loan?

Fill out our simple online application form and hit send. Always read the Terms and Conditions before sending your loan application to Too Easy.

Can I apply for a loan over the phone?

We are unable to take loan applications over the phone. Fill out our simple online application form to apply for a quick and easy loan from Too Easy.

My phone is prepaid, or under my employers name, can I still apply for loan?

no - the account details must be under your name only. Please ensure you use your details when applying for a loan from Too Easy.

I share a bank account with my partner. Can we both apply for a loan using the same account number?

Unfortunately only one loan can be granted to one account. Once the loan has been repaid, you can of course reapply for another. Please allow one additional business day after paying off the loan before applying.