Our site is not taking new applications at this time. We apologise for any inconvenience. Ngā mihi ⎯ Sweet As Money


Who is Sweet As Money

Sweet As Money is a subsidiary of ATA Sweet Limited, a 100% Kiwi-owned and operated, online financial service provider. Our mission is to be the first choice in alternative financial services by providing all Kiwis with a safe and affordable place to borrow cash when they need it!

Providing your bank statement

To complete the assessment of your application, we require you to upload your bank statement using our trusted partner Credit Sense. Bank statements need to be uploaded through Credit Sense via the online application form, we do not accept bank statements in any other form.

Please ensure you provide the bank statement where your income is deposited into. If you accidentally upload the wrong bank account, please contact us and we will generate a new link for you.

We do not keep your internet banking credentials. Your credentials are encrypted and passed directly to your bank when you enter them. Once the transaction history is retrieved, they are then permanently deleted. We will retrieve 3 months of ‘read only’ electronic transactions.

Who is Credit Sense?

Credit Sense is our partner for retrieving bank statements. An Australian-owned and operated company, with a secure banking technology that allows us electronic 'read only' access to your bank statement. We do not have access to make any changes to your account. Further, we will never see your internet banking logins. For more information on Security, click here

Can I apply over the phone or email?

Unfortunately, not. We can only accept applications through the completion of our online webform.

To apply, click below to complete the application form and upload your bank statement.

Do I need to provide identification?

You will be required to provide details of your Driver Licence or Passport when you complete the application online. This allows our electronic identification process to correctly confirm your identity. Please ensure you enter all personal details as per the ID document you provide on your application form.

Do I require a guarantor?

We do not require a guarantor. Our lending decisions are based on a careful assessment of your financial position and your capacity to repay a loan.

We have an automated system with our lending criteria built-in, to create a more efficient process for our customers. The lending criteria are divided into two categories:


Responsible lending principles, which are publicly available online; and


Commercial lending criteria and a risk-based scoring model, which is not publicly available.

I got declined, should I re-apply?

If your application has been declined, we suggest you wait at least 60 days before re-applying, as lending criteria is subject to change. At Sweet As Money, we will always offer you the maximum you are eligible to borrow in accordance with your financial health and our company lending criteria.

Do I need to be employed to get a loan?

To obtain credit from Sweet As Money you must be able to provide proof of ongoing, regular income and the ability to repay the loan.

Please note, your income must be deposited into your bank account regularly.

What are SAM’s fixed costs?

Our fees are fixed. We charge a loan Establishment Fee of $85.00.

What does SAM charge in interest?

SAM charges a flat interest rate of 35% p.a. Charged at an interest rate of 0.096% for each day your loan account is open.

How much can I borrow?

We lend from $300 to $1,500 in $50 increments.

How long can I borrow for?

SAM provides loans for terms from 14 to 91 days

Can I repay my loan early?

Yes, you can repay your loan any time at no extra cost. Please contact us and we can advise you of the exact balance to be paid.

What do I do if I can’t make payment?

As soon as you become aware you may not be able to meet the payment obligations under the loan agreement, contact us.

We understand that sometimes life just gets in the way! and we will do what we can to help you.

I don’t want to receive your marketing

If you do not wish to receive any marketing emails or SMS’s from SAM, you can unsubscribe by clicking the unsubscribe button at the bottom of the email or contacting our Client Services Team and asking them to remove you from our list.

Apply For A Loan Online Before 2pm And Cash Could Be In Your Account Tomorrow Morning!

Sweet As Money provides loans for a minimum period of 14 days and a maximum period of 90 days. A loan of $1,000 taken over 90 days at 0.096% per day, incurs a total of $171.30 in fees and interest, for a total repayment amount of $1,171.30. This equates to 13 weekly repayments of approximately $90.17. Sweet As Money lends at an Annual Interest Rate (AIR) of 35%.

© 2021 by Sweet As Money. Created by Rove.