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!
Our site is not taking new applications at this time. We apologise for any inconvenience. Ngā mihi ⎯ Sweet As Money
Save Big Borrowing with Us
Our fees and interest rates are cheaper than other lenders, making Sweet As Money the clear choice when it comes to small loans.
Annual In Term Interest Rate
Daily Interest Rate
Establishment Fee
Other In Term Charges
Total Fees Payable
**Total Maximum Fees Payable for 30 Days
Total Cost of Borrowing $500 over 90 Days
Sweet As Money
35%
0.096%
$85.00
$85.00
$128.15
Competitor 1
49.95%
0.137%
$125.00
$10.00
$135.00
$196.58
Competitor 2
49.95%
0.137%
$240.00
$4.00
$244.00
$313.58
Competitor 3
29.95%
0.082%
$100.00 - $200.00
$10.70
$210.70
$262.62
Competitor 4
29.95%
0.800%
$160.00 - $300.00
$81.50
$381.50
$414.50
**Estimated Total Cost of Borrowing: Interest is calculated on the maximum Annual Interest Rate applicable; and Loan Fees are calculated on the minimum cost to borrow (not including variable fees)
This table provides a summary of loan borrowing fees and interest details. For the complete information, please click here
Get Loan Wise!
Ever feel like paying off debt is like playing a game of Snakes and Ladders? Moving two steps forward only to slide six steps back!
Our goal is to help you reach the finish line sooner, not hold you back
Some same-day loans create more problems than they solve so make sure you're loan wise! Let's take a look at some of the pitfalls to look out for when borrowing fast cash
Say Goodbye To
No grace periods
Statement fees
Overpayment
refund fees
Early repayment fees
Lots of other hidden & statement fees
Penalties the minute
you miss a payment
$100, $200, $400 & $500 Establishment Fees
50% - 292% Annual
Interest Rates!
Make Sure You Consider The Total Cost Of Borrowing
Ever feel like paying off debt is like playing a game of Snakes and Ladders? Moving two steps forward only to slide six steps back!
We regularly compare our fees to other unsecured lenders and only charge what we need to
Our Fees
Feel free to use this as a comparison if you're shopping around for the other loans
Minimum Loan Amount
Maximum Loan Amount
Minimum Loan Term
Maximum Loan Term
Annual In Term Interest Rate
Daily Interest Rate
Establishment Fee
Account Set Up Fee
Daily Admin Fee
Per Instalment Admin Fee
Monthly Account Service Fee
Credit Agency Fee
Change | Variation Fee
Early Repayment Fee
Total Cost of Borrowing $500 over 90 Days
Annual Interest Rate (Past Due)
Daily Interest Rate
Dishonour Fee
Default Notice
Phone | Letter Fee
Wage Deduction Fee
Credit Agency Fee (Acc in Default)
External Debt Collection and | or Legal Recovery Costs
Any Third-Party Costs
Sweet As Money
$300.00
$1,500.00
2 weeks
12 weeks
35%
0.096%
$85.00
$128.15
45.00%
0.123%
$30.00
as incurred
Competitor 1
$500.00
$5,000.00
3 months
24 months
49.95%
0.137%
$125.00
$10.00
$30.00
$30.00
$196.58
49.95%
0.137%
$10.00
$5.00
$30.00
$20.00
as incurred
Competitor 2
$1,000.00
$4,000.00
12 months
36 months
49.95%
0.137%
$240.00
$4.00
$313.58
49.95%
0.137%
$30.00
$40.00
Competitor 3
$500.00
$50,000.00
3 months
60 months
29.95%
0.082%
$100.00 - $200.00
$3.00
$7.70
$50.00
$25.00*
*Plus Calculated Costs
$262.62
29.95%
0.082%
$5.00
$45.00
$20.00
$160.00
Competitor 4
$200.00
$20,000.00
6 months
12 months
29.95%
0.800%
$160.00 - $300.00
$65.00
$0.55
$50.00
$414.50
29.95%
0.082%
**Estimated Total Cost of Borrowing: Interest is calculated on the maximum Annual Interest Rate applicable; and Loan Fees are calculated on the minimum cost to borrow (not including variable fees)
Our Fees
Feel free to use this as a comparison if you're shopping around for the other loans
Tiered Establishment Fees
Another big cost to borrowing is the establishment fee. Always check how much this is!
Some companies charge you a higher fee the more you borrow, and yet the amount of work is the same.
We don't think that's fair either, so we charge a flat fee of $85 for the establishment of your loan.
Early Repayment Fees
We only charge interest until the day you pay off your loan, not the length of your loan. We want to reward you for paying off your loan early, not penalise you!
Other loan companies try to make as much money as they can, at their client's expense! That's not us.
Daily Interest Rate vs Annual
A daily interest rate of .48% sounds reasonable, but that works out to 175.2% over the course of one year.
Some loan companies provide daily interest rates of up to 0.8% a day, which is 292% per annum. So, a $1500 loan can end up costing $4380 in a year!
You need to ask yourself - is that fair? Is that kind?
Is that reasonable? Hell no!
Get The Lifeline You Need, Without The Fear Of Sharks Circling!
Lower fees, fairer interest rates, and no early repayment penalties. Sweet As Money is here to provide a helping hand, not put you under more pressure. These aren't empty words, we put our money where our mouth is. See for yourself
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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%.
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