Rating based on 8 reviews


  • Bad credit loans up to $30,000
  • Low-interest starting from 12.65%
  • Repayment up to 5 years

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BNZ homepage
Author BNZ. Screenshot of BNZ website.
[Accessed March 6, 2023]

About BNZ

Bank of New Zealand (BNZ) has always played a vital role in the country's economy at both a national and local level.

They help businesses grow and achieve prosperity by providing a variety of advanced business finance solutions. As a result, more jobs are created, and New Zealanders can achieve and sustain the lifestyle they want. Beyond being financial services provided, BNZ also takes part in various community initiatives and contributes to the country’s sustainable development.

Easy loans for bad credit and more

They help their customers to achieve some of their most critical personal aspirations. They have home loans, car loans, investment, and retirement schemes designed to provide for the future. BNZ also includes top of the range easy bad credit loans with high approval. They have a diverse workforce that enables them to cater to the needs of their customers fully.

BNZ Services

Anyone who needs to make a necessary purchase but can’t do so without extra help can benefit from getting a personal loan from BNZ.

They are perfect for paying for emergencies such as medical bills or even a wedding. They also don’t require a credit check upon applying, meaning that those with bad credit are still eligible as long as they have a steady income. BNZ provides easy personal loans for people who have bad credit that range from $1,000 to $30,000.

Clients can now select their repayment terms

BNZ repayment schedule is structured according to clients' needs and also made flexible for them to have options. A more extended repayment schedule will have smaller monthly installments, while a shorter one can help them reduce their payment towards interest. BZN internet banking is there to help clients manage their loan payments and, if they don’t have one, even apply for one online.

BNZ – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 12.65%
  • Loan Amount up to $30,000
  • Repayment 3 months to 5 years

Benefits of BNZ

  • No charges for early repayment
  • Repayment terms are flexible
  • No monthly fees

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Turn to BNZ for expert bad credit loans

BNZ can help people around Wellington get out of debt with easy access to bad credit loans.

They offer bad credit personal loans for NZ people who have bills to pay but need some help. These loans are perfect for covering emergency costs such as repairing a  car, renovating a home, or even medical bills.

Flexible repayments to suit your payday and budget

Clients can now pay off their credit with month-to-month reimbursements over a period that suits them- at whatever time between three months and five years. BNZ does not charge any early reimbursement charges or any extra installment expenses. Lenders can use their online profile management platform to check their credit and affordability to see their options.

Who can apply for a bad credit loan at BNZ

Any New Zealand citizen over the age of 18 can apply for a loan at BNZ. Future clients need to prove that they have a monthly wage paid into a bank account and provide bank statements. The company wants to help those in need get access to cash but will only do so responsibly. Clients can now top up their loan after showing BNZ that they can responsibly make repayments each month.

Get a personal protection plan on top of your loan

BNZ provides a protection plan for disease, death, or something else that hampers the client's ability to pay. The premiums for this package are added to the clients month to month repayments. It is worth paying for as it protects the client if they suddenly cannot pay their installment.

Customer Reviews & Testimonials

October 2019

They are just amazing, really friendly Easy Loans is the best. l would recommend it to anyone.

Christine C
— Nelson —

May 2020

I was worried that with my bad credit l won't get a loan but l got it despite the fact.

Chris P
— Wellington —

July 2020

I got my loan quickly, it was just really convenient for me so l am really grateful.

Mila H
— Auckland —

BNZ Contact

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag 39806 Wellington Mail Centre , Lower Hutt , 5045, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed