Frequently Asked Questions

bad-credit-cash-loan-faqIf you have any additional questions here are some of our most frequently asked.

Contact Us / Opening Hours

How can I contact you?

Phone: 0800 227 484
Fax: 0800 001 477
Email Address:
Postal Address: P O Box 11187, Ellerslie, Auckland 1542

What are your Opening/Processing hours?

We are open during standard business hours:

Monday:          8.30am – 5.30pm
Tuesday:          8.30am – 5.30pm
Wednesday:   8.30am – 5.30pm
Thursday:        8.30am – 5.30pm
Friday:              8.30am – 5.30pm

Unfortunately, we do not operate on Public Holidays.

All supporting documents must be received no later than 4.00pm in order for us to process your application on the same day.

If you apply for a loan over the weekend, your application will be reviewed on the following business day.

Before You Apply

What should I consider before taking out a loan?

You should complete a personal budget, you could use free budgeting services such as, or Citizens Advice Bureau.

You should only borrow what you need and make sure you can meet the required repayments, without putting yourself into any form of financial hardship.

What supporting documents are required with the application?

You can fax or scan and email the following to us:

  • Bank statements (latest 3 months)
  • Photo ID (passport or NZ driver licence)
  • Proof of address (less than 3 months old)

Can I apply if I am self employed?

As long as you receive a regular income of more than $350 a week (after tax) excluding government benefits that is direct deposited into your bank account, you may still be approved. However, we review such loan applications on a case-by-case basis.

Can I apply if I am on a benefit?

Provided you have a regular job in addition to your benefit and your salary/wages is your main source of income, you may still qualify for a loan. Unfortunately, we cannot assist if you are on a benefit only as this is not considered a regular job.

Do you do credit checks?

Usually no, but we reserve the right to.

Does my employer get contacted?

It can be hard to deal with cash emergencies and we appreciate your right to a no hassle instant cash loan. We respect your need for confidentiality and generally only make one short anonymous call during the application phase to verify your employment.

Application Process

How do I apply if I am a new customer?

All you need to do is click Apply Now – so easy!

From there, complete the application online and then it’s up to you to either fax or email your supporting documents through. If your application is approved, the funds will be deposited into your account according to your payment method selected.

How do I apply if I am a returning customer?

If you are a returning customer, the process will prove to be even quicker, all you need is your customer number to get the ball rolling. Login here and apply now.

How long is my loan application valid for?

An online application submitted through our website stays valid for 3 days.
If we do not receive all required documents by the end of the third day – we cancel the application on the morning of the fourth day.

This is because the loan contract that was generated in your online application can only stay valid for 3 days.

We make several contact attempts via phone call, email and text during the 3 days your application is valid to follow up on any missing documentation we require to process the loan.

How do I get my documents?

You will electronically sign your loan contract and direct debit form online. A copy of these documents will be emailed to you for your reference once you submit the application.

How do I know if you've received my documents?

Once your loan application has been submitted successfully, you should be able to log in to your account and under the ‘Loan Status‘ tab you will find our tracking system.
This will let you know what documents we have received and what documents we are still waiting on.
Normally, you should hear from us within 45 minutes of sending all the required documentation.

Will my cash loan be approved?

Bad Credit Cash Loans have a high approval rate, so please apply. Unfortunately, we will be unable to approve your application if you are currently Bankrupt, under a Summary Instalment Order or under a No Asset Procedure.

When do I get the cash?

We have two payment options available: Our Same Day Fast Payment option and our Overnight Payment option.

Same Day Fast Payment:

We guarantee that within 30 minutes of notifying you of your loan approval we’ll issue instructions to our bank to make payment to your account.

Don’t worry – if you have selected this option earlier in the day or for any reason we have been unable to provide notified approval before 4.30pm, we will simply waive the fee and process your loan using the standard overnight service.

Please note:

This service operates on banking days during standard business hours – For loans with the 30 minute same day Fast payment option selected that are applied for after 4.30pm or on weekends, we will process promptly on the next banking day.

Different banks can take longer to process than others but we can promise that we have issued the instructions – if you find that their transfer time is excessive please contact our help desk so we can ensure there has been no hiccup at our end.

We have had great speed from the following banks – ASB, ANZ, BNZ, HSBC, Kiwibank, National, Westpac. Unfortunately, at this stage, the following banks do not support same day Fast payments – Rabo bank, Co-operative, TSB, PSIS branches of the BNZ or Credit union branches of Westpac.

This service is optional – if your loan is approved and you are happy to wait for the standard end of day process then this service is not required.

What are the charges for Same Day Fast Payment?

A small fee applies. Please refer to our cost of borrowing page for more details.

What are the Limitations?

Following our Fast Payment to your bank they should promptly record this money as cleared funds on your bank account (often this happens instantly). However we cannot control how quickly your bank will act on our Fast Payment instruction. Should you not receive your Fast Payment within 90 minutes after we advised you that your loan has been approved and payment has been made, please contact us.

Overnight Payment

This is our standard method of delivering your loan – cleared funds are transferred into your account overnight for FREE.

Overnight transfer of cleared funds into your bank account

What are the charges for Overnight Payment?

FREE. No payment fee applies.

What do customers have to complete to receive the funds by Overnight?

All required paperwork (including where applicable a signed loan agreement, direct debit form and requested supporting documents (if any)) must be received no later than 5pm Monday to Friday (excluding public holidays) in which case we will usually be able to make payment to you that night. In very rare circumstances payment does not occur until the following working day.

Repaying Your Loan

How do I pay my loan back?

It’s easy – we set up a direct debit for your next payday (or paydays). No need to travel to the bank or set up automatic payments – no fuss!

Can I change my repayment dates?

Payments are required the same day that your pay is deposited into your bank account. Provided you contact us at least 24 hours before your cash loan payment is due, we can look to amend the payments dates to suit your needs unless you are on your first loan with us.

Can I repay early?

Because we are a responsible lender, you are encouraged to repay your loan as soon as possible. As interest is calculated daily it is in your best interest to make repayments as funds become available to you. Please feel free to contact us to arrange an early repayment.

What happens if I default?

Contact Bad Credit Cash Loans as soon as you can; default fees and/or default interest will apply for missed or failed payments as set out here. If you contact us early we may be able to wipe some of the default fees and interest.

Click here to contact us for further details on repayment problems.

Are there any benefits for returning customers?

The whole process is quicker, and return customers are often offered a lower interest rate.

General Questions

I can't open my documents?

You may need a PDF Reader installed on your computer – you can download it for free from

Is your online Bank Verification tool safe and secure to use?

We provide a 256-bit bank level encryption of data, creating a ‘read only’ service – this means we cannot make any changes or transactions on your accounts. Once the data has been loaded, the connection to the bank is closed immediately.

We have also had our service independently tested by an industry leading security service.

We do everything we can to ensure that only the best level of security is safeguarding your important information.

I have repayment difficulties

Please click here for assistance on what to do.

I have a complaint

We strive to provide a quality service to all of our customers. However on occasions things don’t always go smoothly, but don’t worry we will endeavour to put things right.

As a responsible lender, we are a member of an independent dispute resolution scheme operated by Financial Services Complaints Limited (“FSCL”) and approved by the Ministry of Consumer Affairs.
Please click here for information on our complaints process and details on our independent dispute resolution scheme.

I wish to make a hardship application

You are eligible to apply for unforeseen substantial financial hardship if:

1. You have not been in default for more than 2 months; and
2. You have not missed 4 or more payments; and
3. You have not previously applied for hardship in the last 4 months (unless your current application is due to materially different reasons than the last application); and
4. The cause of your financial hardship was NOT reasonably foreseeable to you at the time you took out the loan.

Please click here to fill in our form to request our financial hardship application and guide.

Once submitted, you should receive our PDF application and guide within 48 hours.