Bad credit payday loans

We may be able to provide fast payday loans to people with a bad credit history. We understand that having a bad credit rating in the past doesn’t mean you are bad with your finances. Many people who are good with their finances could have missed a couple of payments due to an unexpected expense or sudden change in their circumstances, and credit ratings don’t record the reasons for missing these payments.

Due to your past bad credit rating, you may have had difficulties getting a loan with other providers. It’s different with us, we mainly look at your current ability to repay the loan and may be able to give you a second chance at providing you with a bad credit payday loan.

Short-term payday loans

We are one of the most reliable and responsible online lenders in New Zealand. Our payday loans are suitable only for your short-term cash emergencies. With us you could apply for a maximum loan of $1000 with flexible repayment options:

  • Paid Weekly? – up to 6 instalments
  • Paid Fortnightly? – up to 3 instalments
  • Paid Monthly? – we can only offer 1 instalment

Simple loan process

Applying for a payday loan with us is very simple. Check our eligibility criteria below:

To qualify for our payday loan

  • 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

Once you meet our simple eligibility criteria as listed above – the next steps are to; fill in your details in our online application form, accept the loan agreement and send us your supporting documents. If your application is approved, the funds will be deposited into your account according to your payment method selected.

We need 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)

If you have had a bad credit record, we may still be able to process your loan application. Apply now and get your financial situation under control.

Have questions?

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.