Bad Credit Unsecured Loan

An unsecured payday loan is a quick and easy way to get the cash you need, when you need it. Unsecured loans save the hassle of having to offer your personal items as collateral. At Bad Credit Loan applications are assessed based on a set of affordability criteria, we do not ask our customers to tie any personal assets to their loans.

Apply for an unsecured loan from $100 – $1000 and you could get the money you need in your bank in as soon as on the same day.

Got a not-so-perfect credit history?

We understand the frustration of being declined by loan companies due to bad credit.

At Bad Credit Loan we endeavour to help those with a bad credit history. We assess your current ability to repay your loan and try to leave your bad credit history in the past, giving you a second chance to build a better credit score.

Eligibility criteria for Bad Credit Unsecured 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 using our quick and easy online application –accessible at any time and on any device.

Our customer service team are here to help. If you need any assistance when applying for a loan you can contact us on 0800 227 484 or via our live chat help on our website.