121 Finance

image of 121 Finance
image of 121 Finance

About – 121 Finance

121 Finance was established in April 2000 by its two founders and working directors.

Since then, we have been delivering professional loan services to the greater community.

Born and Bred In New Zealand

With ten years of experience in the finance industry, the two founders, who are just average born and bred Kiwis saw that there was a place in the financial market for a company to offer finance to the average Kiwi resident.

Individuals such as yourself, who couldn’t be bothered dealing with intimidating financial institutions and corporate structures, perhaps you couldn’t qualify for a personal loan or maybe just didn’t have the time during working hours get there.

Normal Lending Criteria Does Not Apply

We are financing specialists who cater to all people, for all financing requirements, even bad credit loans.

At 121 Finance the only thing we don’t believe in is that “normal lending criteria applies” because it doesn’t matter what your financial situation or history, we process each application on its individual merits. 

Services – 121 Finance

We provide people throughout New Zealand with finance for most purposes - from car loans to home improvements, holidays, overdue bills or to consolidate your debts into one easy payment.

Fast And Friendly Service

As a company, we pride ourselves in supplying fast and friendly service in the financial industry. While fast turnaround times for all applications are important, we are also careful not to lose sight of customer satisfaction. This is very important to us because we believe every person has to be treated fairly and with the utmost professionalism.

Get A Loan Despite Your Bad Credit

Additionally, we specialise in personal loans, debt consolidation, bad credit loans, home renovations and car finance.

You simply need to pick the type of loan, which you require and fill in an online loan application on our website. We will make every effort to ensure that you get a loan that matches your needs and requirements fully.


Summary of Services

  • Personal Loans
  • Car Loans
  • Freedom Loan
  • Bad Credit Loans


Get a bad credit loan at an affordable rate from 121 Finance today

121 Finance is a standout in New Zealand amongst firms offering quick loans for blacklisted clients. 

You acquire a decent credit record by taking out an advance and reimbursing the cash on time. You get a bad credit record by neglecting to reimburse it when the reimbursement is expected; this is called defaulting on a credit. This could result in being blacklisted.

Loans for people with bad credit is intended to bail you out between paydays when you are a little low on cash and need to pay for something you want or need, without having to worry too much about your credit situation.

They Will Accept You 

At 121 Finance their main purpose and objective is to assist people with bad credit histories to obtain some form of financing for their daily needs. You can apply for an affordable bad credit loan if you have been turned down by another lender due to any of the following:

  • Former Bankruptcy
  • Self employed
  • Previous Baycorp credit issues
  • Beneficiary with WINZ or IRD income
  • Declined by the bank
  • Loan arrears or erratic payment history on loans
  • Erratic income amounts

 Contact Details

3 Albany Hwy, Unsworth Heights, The Palms, 0632, New Zealand
Ph: +64 9-444 3002
Em: [email protected]

 Postal Address

PO BOX 100 482, North Shore, 0745, New Zealand

 Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 14:45
  • Saturday Closed –
  • Sunday Closed –