Bad Credit Loans NZ

Bad Credit Loan is a New Zealand owned and operated payday loan company. We offer short-term loans to working Kiwis. If you are struggling to stretch your budget, we may help you get through to your next payday.

You can apply for a quick and easy loan from $100 – $1000. We lend to anywhere in New Zealand and our online application means you can apply any time and on any device. No long waits or complex paperwork!

We have already helped thousands of Kiwis with quick and easy bad credit loans.

“Applying for a short term loan through Bad Credit Loan was painless and simple. I applied for the loan overnight, and the next day (once all documentation had been received) the money was in my bank account. If needed, I would definitely use Bad Credit Loan again.”
– S Woods

Eligibility Criteria for Bad credit Loans NZ

Before applying for a loan, check if you meet our eligibility criteria.

You must:

  • Be at least 18 years old
  • Be a New Zealand Resident or Citizen
  • Have your own NZ bank account
  • Be working with the same employer for at least 3 months
  • Earning an income of more than $350 weekly (after tax) excluding government benefits
  • Not be Bankrupt, under a Summary Instalment Order or No Asset Procedure

If you have bad credit, we may still be able to help you with a quick cash loan. We understand the difficulty of obtaining a loan with bad credit. At Bad Credit Loan we assess your current ability to repay your loan and try to leave your bad credit history in the past.

Bad Credit Loan NZ -Responsible Lenders

Bad Credit Loan is one of New Zealand’s most trusted payday lenders. As responsible lenders we will not lend you more than you can afford and our loan contracts are 100% transparent with no hidden fees.

Our friendly customer service team is here to help. If you have questions or need any assistance you contact us on 0800 327 822 or via our live chat help on our website.