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Representative example: APR 407.39%. If borrowed $1000 for 62 days, interest $692. Total amount repayable $1692. Interest rates: Maximum nominal APR of $1000: 407.39%. Rates from 278% to 1576% (3 – 12 month repayment)

Let Metro Pay help you find a payday advance in NZ Metro Pay matches you with a loan that meets your financial needs. Representative example: APR 407.39%. If borrowed $1000 for 62 days, interest $692. Total amount repayable $1692. Interest rates: Maximum nominal APR of $1000: 407.39%. Rates from 278% to 1576% (3 – 12 month repayment)

About Metro Pay

We help you get a Loan even if you have Bad Credit

Metro Business Investment is now Metro Pay. We are a credit broker and not a direct lender. We do not charge any fees. If you are contacted by anyone saying they are calling from Metro Pay requesting you make them a payment, report it to the police immediately. We will never contact you asking for a payment.

Warning: Late repayment can cause you serious money problems. For Help and Advice with money trouble, visit

What are Payday Loans?

A payday loan, sometimes called an unsecured or loans for bad credit, is a type of lending that is given for a short duration and repaid with a one time payment, or instalment payments spread over weeks or months. They are for people who are employed, hence "payday loan", and also to people who are beneficiaries (fixed payments that arrive on schedule).

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What Are Payday Loans?

Payday loans, also called short term loans, beneficiary loans and loans for bad credit, are a loan given to people who have an urgent money need by a payday lender company. These companies typically expect repayment in a short period of time, between weeks and months. Often, the loaned sum will be repaid upon the borrowers next pay cheque from employment or from receiving benefits.

Payday loans have advantages and disadvantages. Among advantages are speed, these are quick loans to get. Also, ability to qualify for getting the loan are much greater. You can get these types of loans unsecured, meaning you do not need to put up collateral. Disadvantages are the cost, APR interest rates are much greater with a payday loan than with a conventional type of loan, such as from a bank.

What Are Loans for Bad Credit?

They are a way for people to borrow money when they have poor credit. It involves finding a lender (which we can help with), who will allow you to borrow money, even if you have bad credit. These are unsecured loans that do not rely on collateral, but instead are based on your ability to pay because of your employment, or if you receive benefits.

If you feel as though your credit history is not good enough to get a loan, we urge you to submit your application anyway. If you are employed or on benefits, this is the main criteria which is looked at when deciding whether to lend money to you. By repaying your loan in a timely fashion, you can ensure that your credit improves over time.

Where can you go to get this type of loan? Simply click the "apply" button below to get a quick decision on your request through Metro Pay. We are new in NZ and are an introucer of loans. We match your loan request with many direct lenders who are interested in lending money to you. Whether you are on benefits, unemployed, need an unsecured loan or to borrow money as fast as possible, we do our best to assist you. Click the apply button now and submit your application for a quick evaluation and decison on your loan. Our process is conducted entirely online from the convenience of your home.

What are Loans for Beneficiaries?

If you are on benefits and feel like your credit is too poor to qualify for a loan, consider submitting your application anyway. Beneficiary loans are for people who would like to borrow money based on fixed payments they receive on a weekly or monthly basis. They may come from court settlements, a will, trust fund payments and other types of funds an applicant may receive on a scheduled basis. Many lenders will evaluate this income which strengthens the case that you can afford a loan. Would you like to apply for a bad credit beneficiary loan? If so, click the "apply now" button today!

There are many types of beneficiary loans -- they include those received from the government, as well as other types of income (structured payments from a will, court settlement, rental income and more). If you receiving income from any source (even if it isn't from employment), you can apply for a loan. These are called payday loans for beneficiaries.

What are Payday Loans for Bad Credit?

The vast majority of people we assist in getting a loan are employed and need to borrow money to see them through to their next pay cheque. if you are employed, yet have confronted an emergency crisis and need cash to get you through until your next payday, submit your application with us. We can help match you with a direct lender who may be able to give you the funds you need.

You may feel as though it is too difficult to get the loan you need through a conventional bank. Payday loans, on the other hand, can be received more quickly and conveniently. You can apply online and have the money sent directly to your bank account.There are disadvantages, however, in that this type of loan is more expensive for their APR interest rate and possibly fees associated with getting one. It is completely free to apply for one through our submission form and we encourage you to submit your application today!

What are "No Credit Check Loans"?

If you are afraid that you have bad credit and it will prevent you from qualifying for a loan, you may be looking for a no credit check loan. The theory is that if someone doesn't check your credit, it will make it easier for you to get a loan (if your credit is poor). We are a loan introducer, meaning we submit your application to our lending partners who evaluate your loan. Some of these people will not check your credit because they are more interested in your employment or status of receiving benefits. Others, however, will want to check your credit. There are many variables that need to be considered, including how much money you are requesting and how long you've been employed at your current job. If your fear is you won't qualify because of bad credit, that isn't necessarily true. If you are employed or on benefits, submit your application anyway and you will receive a quick decision on its acceptance.

What are Guaranteed Payday Loans?

When people say they want a guaranteed payday loan, what they're really saying is they prefer a lender who has a high approval rate. There is no such thing as 100% approval, as I'm sure you can imagine many scenarios which would disqualify someone from borrowing money. If you want a guarantee that your loan will be accepted, it is a good idea to submit your application through Metro Pay. This is because we have many direct lenders we work with who will review your loan request. The more lenders, the higher chance your loan request will be accepted. We have an advantage here over submitting to one direct lender who may not be interested in your loan, and would then become a dead end. Make sure as many lenders see your request as possible, submit your application with us today.