How Cash Advances Work


Our CASH4YOU cash advance service is fast and convenient. We provide same day cash advances to our customers

Our Five Step Process


Step 1 - Check CASH4YOU Requirements

To qualify for a CASH4YOU cash advance, you need to meet the following requirements:

  • You need to be at least 18 years of age,
  • You need to have a drivers licence,
  • You need to live in New Zealand,
  • You need to have an active bank account,
  • You need to have access to online banking,
  • You need to have access to a computer or other device - the application is 100% online,
  • You need to have an active email account so CASH4YOU can communicate with you via email,
  • You need to own a mobile phone so we can also communicate with you by text,
  • You need to complete the online application.

Step 2 - Apply

You complete our quick and simple online application submitting details including your name, age, address, phone numbers, email address, drivers licence number and your source of income etc.

Apply now for a CASH4YOU cash advance and you could have cash in your account today!


Step 3 - Approve

Once you have submitted your application, CASH4YOU will send you an email to complete a bank information request. When we have received your bank information CASH4YOU will make further enquiries to verify your application details and will also assess your financial situation including your ability to make repayments.

If your application is approved, CASH4YOU will then send you a Credit Contract to sign and return.


Step 4 - Fund

When we have received the signed contract your CA$H is transferred directly into your bank account. This will occur on the same day that your cash advance is approved.


Step 5 - Repay

Repayment is simple with CASH4YOU. Just make sure the required cash is available in your bank account as agreed in time for your repayments.


That’s it! The repayment amounts will then be deducted from your bank account automatically weekly, fortnightly or monthly as agreed.


Please note, if you fail to pay as agreed then your costs will change from our initial calculations. This will occur if you don’t ensure enough funds are available for your repayments. The Credit Contract clearly identifies default fees.

For further details, please see our Charges page.