Bad Credit Personal Loans

At Bad Credit Loan we offer short-term personal loans for unexpected expenses and financial emergencies. If you have expenses that you haven’t budgeted for such as car repairs, medical bills or higher than usual utility bills, we could help you through with a short-term cash loan. You could borrow $100 – $1000 today.

Even if you have had 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 Loans – Trusted NZ Lender

As an NZ government registered financial service provider we are committed to responsible lending. As one of New Zealand’s most trusted payday lenders, you can be assured that our loans are 100% transparent with no hidden fees. We will also keep your information safe and secure.

“I have found this company to be the most supportive company concerning fast loans, they are fast in responding to any query and their application is straight forward and easy to process. Thank you for allowing me to be one of your customers” – R Skerrett

Eligibility Criteria for bad credit personal loans

Want to apply for a loan with us? Please make sure you meet our simple 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 meet all of the above criteria, you can apply for a loan using our quick and easy online application, accessible at any time and on any device.

Once you have completed your application and sent your supporting documents through, we can usually get back to you with a decision within 45 minutes.

Our friendly customer service team is here to help. If you have questions or need any assistance you can contact us on 0800 227 484 or via our live chat help on our website.