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Quick & Easy Loans – Bad credit welcome

Are you looking for fast online loans & no credit checks? How about the lowest interest rates on loans with flexible terms, and easy access to all types of credit?

Get all this & more with ONE quick and easy loan application form! You will instantly gain access to several different credit options & products.

Frequently Asked Questions

Who offers the best Personal loans?

Personal loans are offered by all banks and non-bank lenders in a variety of different forms. With such an array of options it can become overwhelming to decide which one is just right.

At LoansFinder, we aim to help you narrow down your options in a way that suits your needs and budget. Once you’ve considered our selection of leading local lenders, you’ll be ready to make a loan application and get on with the things that truly matter to you.

Personal Loans NZ Online

Personal loans range from as little as $1,000 up to $100,000. While some may be easy to qualify for and quick to get, others may require security, good credit, and a higher disposable income. This is why it’s important to know what you want as well as what you qualify for.

Personal loan interest rates & terms

Since personal loans encompass such a wide variety of loans, terms can range from just 2 months to as much as 7 years. Interest rates start at around 5% and can go up to as much as 36%.

Finding a loan that meets your individual needs

In order to secure a competitive rate and loan terms that suit you it is crucial that you compare loans using a loan comparison website. These sites also help you ascertain the fees associated with the loan or provide a comparison rate that includes the fees.

Whatever your current financial and credit needs, our list of leading New Zealand lenders can provide you with a loan that’s tailored to your unique needs, quickly and easily.

So whether you have a bad credit rating, or are simply looking for a personal loan online to deal with a financial emergency, we’ve got your covered. All you need to do is select your ideal option and complete a quick and easy online loan application.

List of direct lenders offering Personal loans

  1. ANZ Personal loan


    • Loans up to $50,000
    • Term up to 7 years
    • Interest from 13.90%
  2. Harmoney Personal loan


    • Loans up to $70,000
    • Term up to 5 years
    • Interest from 7.89%
  3. First Credit Union Personal loan

    First Credit Un...

    • Loans up to $10,000
    • Term up to 33 months
    • Interest from 9.95%
  4. Geneva Finance Personal loan

    Geneva Finance

    • Loans up to $50,000
    • Term up to 5 years
    • Interest from 11.95%

Bad Credit Loans Fast Approval

Whether you have bad credit or simply want a better interest rate on your loan, we’re here to help.

Having a bad credit rating doesn’t mean you can’t access finance, it simply means you’re options are limited and you may not be able to qualify for the most competitive interest rates. It also means you may have to provide security to ensure loan approval or, settle for a smaller loan amount.

By applying directly to a lender that specialises in offering bad credit loans, you’ll improve your chances of approval and save time. This is simply because specialized lenders will consider your application based on affordability and not just based on credit history.

Payday loans for bad credit

You have the option of getting a secured or an unsecured bad credit loan, depending on the desired loan amount and your current financial position. If you’re looking for a larger loan, you will likely have to opt for a secured option. These loans will come with lower interest and more preferable terms.

If you’re looking for a smaller amount, you’ll benefit from an unsecured option. Payday loans carry higher interest and will have strict limits in terms of loan amount and repayment terms.

Can I get a Personal loan with bad credit?

Bad credit loans can offer you amounts of between $1,000 and $50,000 with interest rates ranging from 5% to 36%. The exact loan amount and interest rate that you’ll be offered will depend on your credit, your income and expenses, and whether you take out a secured or unsecured loan.

Applying for a loan, even with bad credit

Before making any formal loan application, it’s best to compare options to find the most suitable and most competitive. This will save you both time and money. Most loan applications can be completed entirely online – whether you choose a credit union or a specialised bad credit lender.

List of direct lenders offering Loans for bad credit

  1. Save My Bacon Bad credit loan

    Save My Bacon

    • Loans up to $5,000
    • Term up to 52 weeks
    • Interest up to 49.95%
  2. Yes Finance Bad credit loan

    Yes Finance

    • Loans up to $50,000
    • Term up to 48 months
    • Interest from 11.95%
  3. The Lending People Bad credit loan

    The Lending Peo...

    • Loans up to $75,000
    • Term up to 7 years
    • Interest from 8.95%
  4. Finance Now Bad credit loan

    Finance Now

    • Loans up to $20,000
    • Term up to 60 months
    • Interest from 12.95%

How to get a Car on finance?

If you’re looking to buy a car, chances are you’ll have to apply for a loan. Car loans allow you to purchase a vehicle without having the full price of it. It’s simply the easiest way for us to buy a car when we don’t have all the money to pay for it right now.

How do car loans work?

Every car loan product will come with its own set of unique features. This means that you’ll get to choose between options, features, and deals - which will each have their own set of pros and cons.

You’ll also get a unique interest rate that will be determined by your personal credit profile, loan amount, and lender. Car loans are typically secured against the car being purchased and, if you fail to repay your loan as agreed, the lender may repossess the car.

Car loan interest rate & terms

Car loan terms typically range from 3 to 5 years, but can extend to 7 years. Interest rates will start at around 4% and can go up to 15%. The lower your interest rate, fees, and loan term the lower your car will cost you in the end. You should also note that the quicker you repay it, the less it will cost you.

Where to find the best car finance?

Banks offer some of the most competitive interest rates and fees and make up the bulk of approved car loan transactions that happen every day. This is also likely to be where you’ll find the best deal for you.

That said, there are alternative, specialist car loan providers that can help you finance a car purchase that the bank simply won’t. This is particularly true for those looking to buy an older vehicle. These include car dealerships and credit unions.

Whichever option is more suitable for you, our collection of lenders can help you narrow down your search and find the ideal option.

List of direct lenders offering Car finance

  1. First Credit Union Car loan

    First Credit Un...

    • Loans up to $10,000
    • Term up to 5 years
    • Interest from 9.95%
  2. Finance Now Car loan

    Finance Now

    • Loans up to $20,000
    • Term up to 5 years
    • Interest from 12.95%
  3. Oxford Finance Car loan

    Oxford Finance

    • Loans up to $100,000
    • Term up to 60 months
    • Interest from 12.95%
  4. MTF Car loan


    • Loans up to $100,000
    • Term up to 48 months
    • Interest from 12.95%

Payday Loans – No credit check

Payday loans allow you to borrow a smaller sum of cash than a personal loan and repay the loan on your next payday. This is ideal for those with a limited budget that need urgent access to cash.

LoansFinder aim to help you quickly and easily find the most suitable loan for you, one that not only offer you the amount that you need but that also takes your budget into account.

What is a Payday loan?

Payday loans offer a small amount of credit usually up to $2,000 that needs to be repaid on your next payday. These loans usually have higher interest rates and should only be considered as a last resort.

The minimum payday loan amount you could secure is about $200 and the shortest loan term is 7 days. If you’re looking to spread out your repayments you can select a longer loan repayment term of up to 8 weeks.

Are payday loans risky?

As long as you choose one of the registered lenders that we have listed, only borrow as much as you need and can afford to repay, you should be just fine. While a payday loan will be reflected on your credit report, successful payment should render it no significant issue.

Do I qualify for a Payday loan?

You need to a New Zealand resident, be 18+ years old, earn a minimum of $350 a week and have a bank account and mobile number to be able to get a payday loan. You’ll probably also have to provide you payslips, bank statement, and proof of address before a lender will approve your loan application.

Apply online & get your cash right away

If you’ve come across an emergency and need a small sum of cash that you want to repay when you get paid, a payday loan will be the ideal solution for you. By applying online, you can save yourself a lot of time and get the cash you need instantly.

List of direct lenders offering Payday Loans NZ

  1. The Little Loan Shop Payday loan

    The Little Loan...

    • Loans up to $600
    • Term up to 6 weeks
    • Interest up to 280%
  2. SMART CASH Payday loan


    • Loans up to $500
    • Term up to 32 days
    • Interest up to 361.5%
  3. Cash Relief Payday loan

    Cash Relief

    • Loans up to $600
    • Quick approval
    • Interest up to 49.5%
  4. SaveMyBacon Payday loan


    • Loans up to $5,000
    • Term up to 52 weeks
    • Interest up to 49.95%

Debt Consolidation Loans NZ

If you have lots of unsecured debts and store accounts you may be finding it difficult to manage your repayments and keep track of how much you still owe. This is one of the primary concerns that debt consolidation seeks to alleviate but, it isn’t the only one.

Certain debt consolidation loans can lower the total amount you pay towards your debt. This is particularly true if your debts lie primarily in high-interest, unsecured forms, but more on this later.

So, what does this mean for you?

If you’ve missed any payments as a result of mismanagement, or want to save on interest, debt consolidation may be an option for you.

Is Debt consolidation worth it?

If a large portion of your income goes to repaying debt and you find yourself not having sufficient cash flow to make it through the month, you may want to consider debt management or debt counselling services.

In addition if you’re struggling to manage your debts or want to reduce the amount of interest you pay, this option may be right for you.

What is a Consolidation loan?

If you’re looking for an unsecured debt consolidation loan, you’ll typically be able to secure an amount ranging between $2,000 and $20,000. Anything above this will likely have to be secured against your home or perhaps, a second property you own.

Interest rates will vary but will start at around 6% and go up to 30% or, in some cases more. You’ll also likely get a fixed interest rate which means your repayment will remain unchanged. There may be some establishment fees and you can choose your repayment terms based on your income frequency.

List of direct lenders offering Debt consolidation

  1. Loansmart Consolidation loan


    • Loans up to $100,000
    • Term up to 120 months
    • Interest from 8.95%
  2. First Credit Union Consolidation loan

    First Credit Un...

    • Loans up to $15,000
    • Term up to 3 years
    • Interest from 22.95%
  3. Finance Now Consolidation loan

    Finance Now

    • Loans up to $20,000
    • Term up to 5 years
    • Interest from 12.95%
  4. Easy Loans Consolidation loan

    Easy Loans

    • Loans up to $50,000
    • Term up to 5 years
    • Interest from 17.95%