Bad credit payday advance

At Bad Credit Cash Loans, we know that getting a payday advance is not always easy if you have past bad credit history. You could end up with a bad credit rating if you weren’t able to make all your payments on time. There could be a possibility that you missed a couple of payments due to sudden redundancy in your company, property damages or a funeral. But this doesn’t mean that you are bad at handling your finances.

You can be confident in applying for a payday advance with us, as we give equal chances to people from different financial backgrounds and won’t just turn you down solely because of your past bad credit record.

Fast and easy Bad credit payday advance

Getting a payday advance from us is fast and hassle-free. We are one of New Zealand’s most trusted and responsible online lenders who has helped thousands of New Zealanders with their short-term cash emergencies. We make sure that our loans are affordable for you. When you need some extra cash between paydays to cover an unexpected expense, we could help.

Eligibility criteria

Our loan process is straight forward. To apply for a payday Advance, please check if you meet our below eligibility criteria:

  • You must be 18 or older
  • You must be a New Zealand resident or citizen
  • You should hold your own NZ bank account
  • You must be earning at least $350 per week (after tax) excluding government benefits
  • You must have been employed for at least 3 months with the same employer
  • You must not be bankrupt, under a summary instalment order or no asset procedure

Simple and fast loan process

We won’t ask for any complex paperwork. Just send us the below supporting documents with your loan application:

  • 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)

Once we receive the above, we can usually process your application within the hour and if your application is approved, the funds will be deposited into your account according to your payment method selected. Get a payday advance today and take care of your cash short-fall.

Please don’t hesitate to contact us at, on 0800 327 822 or via our online chat facility in the bottom right corner of the screen for more information.