Bad Credit Cash Loans

Getting financial help is often difficult if you have a past bad credit record; you may waste a lot of time and effort applying for loans with other providers, only to get declined. With our Bad Credit Cash Loans, we try to help everyone from various financial situations and endeavour not to make your current situation worse. You may be needing extra cash to cover an unexpected expense for a car repair or property damages  – Whatever your urgent situation is, applying for a Bad Credit Cash Loan with us is simple and quick.

We are one of the most trusted and established New Zealand lenders. We practice responsible lending and only approve a loan if it is affordable to our customers. Many New Zealanders trust us as we strive to maintain confidentiality during your application and provide a fast and hassle-free service.

Same day cash loans

Unlike traditional lending systems, you don’t have to wait very long to get your loan processed. We don’t ask for complex paperwork. Our process is simple and designed to help hard working New Zealanders get back on their financial feet.

Simple eligibility criteria

We have made every step of our loan process as easy as possible. Our basic eligibility criteria is:

  • Be 18 years or older
  • Be a New Zealand resident or citizen
  • Have your own NZ bank account
  • Have been employed with the same employer for at least 3 months
  • Be earning a salary of at least $350 per week (after tax) excluding government benefits
  • Not be bankrupt, under a summary instalment order or no asset procedure

Easy and fast loan process

Once you meet our simple qualifying criteria, complete our online application form, then read over and accept the loan agreement. Then simply send us the below supporting documents to get processing started:

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

Our lending team will process your application at an amazing speed. 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).

Apply for a Bad Credit Cash Loan and take care of your unexpected expenses today.

Having difficulties with the application?

Please don’t hesitate to contact us at, on 0800 227 484 or via our online chat facility in the bottom right corner of the screen for more information.