Still, you could discover a number of lenders willing to do business with you (albeit, typically at the next interest rate). Payday Advance is one of the New Zealand's most trusted payday lenders with fast and versatile personal loans that may see you through to your next payday. Discharging your money owed in bankruptcy may be an possibility in case you are overwhelmed by debt and it'll take five years or longer to repay it by consolidation.