We'll get back to you within 30 mins & have can have money in your account within 24 hrs.

Bad Credit Loans

Borrow money, even if your credit rating isn’t the best we can help

  • We make it easy - with flexible repayments and terms to suit your situation.
  • We give you better interest rates – why pay more through dealer finance? See our Loan Rates Comparison Page to see how we stack up.
  • We look beyond your credit rating – we prefer to look at the security you have rather than your income. If your credit rating’s not so flash, we’re still interested.

We offer bad credit loans and cash loans up to $2000 for beneficiaries and people with bad credit ratings all over New Zealand. If your credit rating isn’t so good, that’s OK with us (we just can’t accept people who have been declared bankrupt or insolvent).

We borrow money to people who:

  • Are receiving the unemployment benefit
  • Are receiving the invalids benefit
  • Are receiving the sickness benefit
  • Are a solo parent
  • Are a widow/widower
  • Are receiving a pension or superannuation
  • Have bad credit

For loan security, you need to own either:

  • A fully insured vehicle with a current Registration and Warrant of Fitness, or
  • Household furniture or appliances, or
  • A house or property

Did You Know?

  • More than 80% of our customers return to us for their future loans. We pride ourselves on fabulous customer service, we treat everyone with respect and love helping out wherever possible. Customer loyalty is important to us.
  • We accept loan applications from people anywhere in New Zealand, not just Christchurch.
  • We have cheaper interest rates than our competitors. You can see this at our Loan Rates Comparison Page.
  • After you submit your application, you will hear back from us within 60 minutes and you can have the money within 24 hours.

Should you have any questions, please feel free to contact our friendly team or view our Frequently Asked Questions.

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