Quick Bad Credit Loans

Bad Credit Loan could provide quick payday loans to people with a bad credit record. Whether you need money for urgent bills, or a small cash loan to help get you through till payday, our loans are designed to help when you are in need of a quick cash injection, even if you have a not – so – perfect credit history.

If you have had bad credit in the past, we may be able to help. We mainly look at your current ability to repay your loan and whether you meet our eligibility criteria.

Simple Bad Credit Loan Eligibility Criteria

You can apply for a bad credit cash loan from $100 – $1000 if you meet the below eligibility criteria:

  • 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

Fast Bad Credit Loans

Running short on cash is one of the biggest stresses in life, that’s why we make our loans as quick and easy as we possibly can.

To apply for a quick cash loan, simply complete our online application form – available to complete at any time on any device. Our online application can usually be completed in 5 minutes.

Once you have completed your application and sent your supporting documents, we will get back to you with a quick decision.

Documents can be sent via fax, scan or email, no long waits or complex paperwork!

You will need to provide the following documents:

  • Latest 90-180 days of Bank Statements
  • Proof of address no older than 3 months
  • Proof of ID (NZ driver’s license or a passport)

If your application is approved, the funds will be deposited into your account according to your payment method selected.

If you have any questions or need any assistance, you can contact us on 0800 227 484 or via our live chat option on our website.