Bad credit unsecured loans

With our bad credit unsecured loans we take care of your cash needs when you are in the middle of a financial emergency and urgently need some extra cash. If you have a low credit rating, not many lenders would be keen to provide you with a loan. When you are in a financial crisis and your past bad credit history is making it hard for you to get a loan from other sources, we could help.

We are one of the most established, responsible and reliable online lenders in New Zealand. We give hard working New Zealanders like you, a second chance by providing you the option of our unsecured loans that are easy to apply for and don’t require any security.

We don’t fixate on your past bad credit history  – we evaluate your current ability to repay our loan!

Easy eligibility criteria

To get an unsecured loan from Bad Credit Cash Loans is simple. Check if you meet our eligibility criteria below:

  • 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

Easy online loan process

Once you meet our eligibility criteria, you can apply for an unsecured loan by completing our online application form and accepting our loan agreement. Then just send us the below documents to support your bad credit unsecured 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 your application is approved, the funds will be deposited into your account according to your payment method selected.

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.