Bad Credit Loan NZ

Bad Credit Loan is a NZ owned company designed to help NZ clients when they need a cash loan but have past bad credit. We could help you when you need a Bad Credit Payday Loan. Use our calculator below to see how affordable a Bad Credit Cash Loan could be. Your bad credit history may not affect your cash loan application with us.

Borrow up to $1000 today with Bad Credit Loan - Second chance lender.*

Apply For A Loan

* Terms and a small fee applies to the 30 minute option - refer to the loan application process for details.

How does bad credit loan work?

Our Cash Loan is calculated as a percentage of your regular income. You decide what amount you’d like to borrow and the number of repayments (limits apply). 100% online application.

Apply today for your bad credit loan

Applying for a Bad Credit Loan is easy. Fill out the online application form, supply required documentation and if your application is approved, we can pay the money to you overnight or in as soon as 30 minutes* after the final approval (conditions and a small fee apply – please refer to the loan application form for timing of funds to you and any fees involved).

How do I qualify for a bad credit loan?

To qualify for our service you need to currently be in ongoing full-time employment with regular income deposited in to your own NZ bank account. It is easy to qualify for a loan with us as long as you meet the main criteria.

Assistance available:

For information on Repayment Problems, Unforeseen Financial Hardship, Repayment Waiver, or Complaints, please refer to the Contacts page of our website or the terms of your loan agreement.

For contact details or information on our free independent disputes resolution scheme operator: Financial Services Complaints Limited, refer to our Complaints page or visit

For contact details or information on independent confidential budgeting services or advice, refer to our External Resources page or visit