Still, you might discover a number of lenders prepared to do business with you (albeit, usually at a higher rate of interest). Payday Advance is among the New Zealand's most trusted payday lenders with fast and flexible private loans that may see you thru to your subsequent payday. Discharging your debts in bankruptcy may be an option in case you are overwhelmed by debt and it will take 5 years or longer to repay it by way of consolidation.