Worker Loans for Trades Workers
Sometimes life happens — unexpected costs, urgent travel, or essential expenses that can’t wait until the next pay cycle.
Our worker loans support trades workers already in New Zealand with responsible, transparent lending and weekly repayments aligned with real-world pay cycles.
What this loan can be used for
Worker loans can help cover essential costs, including:
Emergency expenses
Essential household bills
Travel costs (including flights home where appropriate)
Short-term cashflow gaps between pay cycles
We focus on lending for genuine needs, not impulse spending.
How it Works
Apply online (or via your recruitment agency if applicable)
We assess affordability and suitability
If approved, funds are paid quickly
Repayments are weekly by Paymaster or direct debit
All lending is assessed responsibly in line with New Zealand consumer lending requirements.
Frequently Asked Questions
Q: Do I need to be with a recruitment agency to apply?
A: No. Many applicants are placed through agencies, but you can apply directly.
Q: How fast is approval?
A: Timeframes vary by application, but we aim to make decisions within 24 hours once we have all the information needed to assess affordability and suitability.
Q: How do repayments work?
A: Repayments are weekly and are usually made by Paymaster if you are referred by an agency, or direct debit if you come to us directly.
Q: Can I repay early?
A: Yes. You can make extra repayments or repay early without penalty.
New to New Zealand? View our New to NZ Loans.
Rates, Fees and Transparency
All interest rates, fees and repayment terms are disclosed before you accept a loan.
Apply Now
Apply online in minutes. If you’re working with a recruitment agency, you can also ask them to refer you.