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Bad Credit Loan

Past bad credit history is a reality for some Kiwis, and it can often prevent them from being able to borrow money from a traditional lending source, such as the bank.

Sometimes things happen – mistakes in the past – which can make it difficult to receive a loan when you need it for something unexpected.

We won’t simply decline you for your past, because we strongly believe in second chances. We mainly look at your current ability to repay the loan and as long as you’re not currently Bankrupt, under a Summary Instalment Order or a No Asset Procedure, then you may have a chance of being approved.


How do our bad credit loans work?

You could get your personal cash troubles under control in just a few easy steps, even if your credit history is less-than-perfect:

  1. Apply online.
  2. Receive an authentication code via TXT.
  3. Electronically accept the Loan Contract and Direct Debit form.
  4. Email us your supporting documents.
  5. If approved, the money will be deposited into your account overnight or within 30 minutes* if you choose our express payment option.

*The 30 minutes express payment option is only available on our ‘Need A Lift’ loans. Conditions and a small fee apply to this option if selected.


Why do so many New Zealanders with past bad credit choose us as their preferred payday lender?

  • Whilst we reserve the right to do employment and credit checks, we try to keep your application confidential and usually only do one anonymous call to your employer during the application phase;
  • Our loans are unsecured, so you don’t risk your assets, such as a car or house;
  • We offer competitive rates;
  • You get to choose the loan amount and number of repayments to create a loan that best suits your needs and repayment capabilities (limits apply and depend on pay cycle frequency);
  • We are a responsible lender – with us, there will never be any hidden fees or charges.

How do I contact you?

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.