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

Small Loans Fast

Apply in as quick as 3 minutes. Easy and Quick Online Application process. Approved in 1-2 hours. Money in your bank tomorrow morning.

Sweet As Money allows Kiwis from all over New Zealand to apply for a small loan fast. All you need is an internet connection! No complicated forms or paper documents!

Same Day Approvals and Fast Payouts

Access money quickly without having to use your credit card or going through a lengthy application process for a personal bank loan.

Our applications are processed 100% online so you can apply in minutes. We usually view your request straight away so you can receive your decision in 1-2 hours.

Loan funds are usually paid within 24 hours. Once you receive your approval notification, the money could be in your bank by the next morning!

Apply online for up to $1200 in just a few minutes!

Sweet As Money gives you a way to access cash fast with a simple application process that can be completed in minutes and approved the same day!

Customers who apply enjoy:

Same day Approvals

Payouts usually less than 24 hours

No complicated forms

No need to print, sign, verify or scan documents

No awkward trips to the bank or loan office

No need to meet face to face

No high cost fees or interest rates

Just fair, ethical small loans when they need them without the stress.

Get an instant cash injection to take care of unexpected expenses

Sometimes you just need a helping hand before your next pay. Unexpected expenses crop up from time to time. With Sweet As Money you can get a personal loan to pay for heaps of stuff.

Pay for unexpected expenses such as:

Car repairs

Rental bonds

Appliance repairs

New appliances

A new phone

Medical bills

Urgent expenses (i.e power bills)

Educational expenses (i.e School fees)



Anything (as long as it's legal!)

Sweet As Money follow Responsible Lending Practices

Sweet As Money was born out of a desire to provide a safe place to borrow money. We strive to give our customers a transparent, ethical and responsible lending experience. We understand that our customers sometimes just need to get out of a sticky situation. We promise we won't stick you with ugly repayment fees for months to come. That's why we are a responsible lender.

Providing all Kiwis with a fair and affordable place to get cash when they need it, without all the money traps! We follow responsible lending practices and constantly review our rates and lending criteria so that we can provide instant finance at competitive rates.

Easy, Flexible and Fair Repayments

You can get a small cash boost with the flexible payment options that suit your financial situation. Check out our personal loan repayment calculator to find terms that work for you. We aim to provide urgent funding without the crazy interest rates.

Because unfair interest rates are an expense you can never budget for! Because they need cash ASAP, some people take the first loan they can get without shopping around. Before they know it they're sucked into a vortex of endless fees, penalties and interest rates of up to 275% per annum! And the loan they thought could help them out of a sticky situation, ends up swallowing them like quick sand!

Apply online for up to $1200 in just a few minutes!

We see our clients as real people with real problems, and genuinely want to help them succeed. There are no tricks or hurdles with us. Sweet As Money offers repayment benefits like these:

Pay for unexpected expenses such as:

Fairer repayment fees

No hidden fees

Competitive rates

No high Cost Lending

No repayment penalties the second you miss a payment , with us you get a grace period

One time establishment fee of $40

Apply for a rapid small loan today

Our application process is so fast and simple that you can apply in as little as 3 minutes.

Get a much needed boost to your income and sort out urgent payments today by filling out the online form below.

With super fast decision times, you can get an answer in as little as 1-2 hours. And even better, we usually provide same-day or next-day funding.

Much of the information we require from you is accessible online so it's really fast and easy to assess your application.

Get approved even if your credit score isn't perfect

Need Credit, but worried about your score? It's not always easy to get a good credit history, and when you have emergency expenses, it's really the last thing you want to think about.

Because Sweet As Money deals with smaller cash funding amounts, it's often easier to get approved so long as you have regular income and can afford to meet your repayments.

Emergency loans are often linked with heaps of administration fees and crazy interest rates. You won't find that here with Sweet As Money. We strive to keep our fees as low as possible and still get you your money fast!

Benefits of smaller short term lending

Loan approvals are a lot easier and faster for smaller amounts rather than larger loan amounts. That's why we are able to approve applications so fast. Small Personal Loans are also often free from complicated lending requirements and hefty debt establishment fees from other financial institutions. You also don't need to provide security up front or a guarantor.

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%.

Sweet As Money powered by ATA Sweet Limited is a Registered Financial Service Provider (FSP #: FSP744611), and a member of Financial Ombudsman Service (Member #: 8290).
© 2021 by Sweet As Money. Created by Rove.