The assessment processes used by many NZ banks and finance companies can be overly restrictive to those tagged with a low credit rating score. This process often prevents many Kiwis with just one or two defaults on their credit record from gaining much-needed cash loans. We assess your credit score from a number of angles and can often lend to you despite a few hiccups in the past.
First and foremost we’ll be upfront about what we’re offering. We’re sorry-this loans for bad credit offer isn’t for everyone. If you have a long history of defaults and debts unpaid you would be better off talking to a budget advisor (and there are a lot of great services available). However if you’ve only had one or two defaults and are now struggling to get a loan at a reasonable interest rate we may have exactly what you need.
Quite simply, we love being able to empower our customers. One of the best parts of our job is helping them achieve their financial goals and, in doing so, helping them leave a bad credit history behind.
If you think a bad credit loan will help you step forward we’re ready to guide you through. Our fast, easy online loan application means that, more often than not, you’ll receive confirmation of whether you have been approved on the very same day.
CALCULATOR DISCLAIMER
Our calculator quote provides a rough estimate only and is not to be considered an offer of finance. Our interest rates and fees are calculated in accordance with our credit and lending criteria based on your personal profile.