Rating based on 5 reviews

Easy Loans

  • Bad credit loans up to $50,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

In-page navigation

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

About Easy Loans

Don’t let your bad credit score get in the way of getting a quick, clear, and hassle-free loan today.

Access a loan between $1,000 and $400,000 or more from Asset finance aka Easy Loans. Asset Finance, a nationwide investment manager and trusted lender to New Zealanders and small businesses over the last 22 years is delivering a customer-focused, transparent and flexible service. They are committed to making the process of getting a bad credit loan as quick and painless as possible so that you can reach your goals. Access short- or medium-term financial products and/or services that can help you meet your financial needs.

Getting a bad credit loan from Easy Loans 

Get a bad credit loan that is affordable, convenient, friendly, quick, and personalized, ranging from $1,000 to $50,000. They look at more than just your credit history when they review your loan application. A company that understands that most people go through a difficult patch at some stage in their life that could affect their credit rating.

So, when they look at any bad or adverse credit history, they pay particular attention to how a person dealt with it, how long ago it happened and to what extent it was a problem. In some cases, they may also require a guarantor to provide additional security, but if you can make the repayments based on your income and expenses you are mostly good to go.

Easy Loans Services

Access a range of tailored loans from $1,000 to $50,000 with affordable repayments over 6 months to 5 years.

These loans can be a good way to pay for things you can get a better deal on by being able to pay in cash or they can be used to pay off your debt, buying a car, or paying for unexpected bills. Get a loan with fixed interest rates and loan terms with no surprise charges that are tailored to your needs. You also have the option of using your asset to secure your loan.

Expand your business today

Typically used for operational costs or an expansion of your business. Let one of their lending specialists assist you with achieving your business goals. Whether you need a business loan for asset purchases like new machinery, working capital for a big project coming up, or cashflow finance for expanding or meet off-season commitments, Easy Loans is ready to assist you. Get a secured business loan from $25,000 to $500,000+.

Investments – for a better financial future

Access strong investment opportunities where all deposits are secured by a first-ranking security interest and terms of up to 5 years are available. Enjoy a variety of interest rates and payment options with a minimum investment of $2,500.

Easy Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 9.9529.85% p/a
  • Loan Amount up to $50,000
  • Repayment 6 months to 5 years

Benefits of Easy Loans

  • Receive your funds the same day
  • Fast approval
  • Online application

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.

Get funds on the same day with easy loans

Applying for a loan with Easy Loans is really simple you just have to follow these simple steps and you are done.

How to apply for a loan at easy loans 

Step 1: Complete the application form online

In this section you will be providing them with your basic information, the reason for your loan, your assets, and liabilities – this step only takes a few minutes.

Step 2: Processing

They will review your application and provide you with their decision in less than 2 hours.

Step 3:  Approval & documentation

Once approved they may require you to provide them with some supporting documents such as your ID, income, etc.

Step 4: Funds transferred to you!

You will receive the funds within the same business day.

 Make sure you adhere to the following before you apply

  • Be 18 years of age or older
  • An NZ citizen or permanent resident.
  • Having a regular income is required
  • And if applicable you or your guarantor have a freehold car or motor vehicle, or a home or land with sufficient equity

Benefits of applying with Easy Loans

  • Tailored online loans
  • Fixed terms and rates
  • Affordable loans
  • Same-day cash transfers
  • Friendly and helpful staff
  • Highly experienced and trained specialists
  • Secured and unsecured loans
  • Transparency and flexibility
  • Quick, easy, and hassle-free application and approval process
  • People with bad credit scores are welcome to apply

Customer Reviews & Testimonials

September 2019

Getting a loan with Easy Loans was so quick and simple would definitely recommend them.

Sean K
— Hamilton —

July 2020

They offer a great service even to people with bad credit like myself, a company that understands and cares.

Stevan H
— Wellington —

April 2020

A great variety of products and services with great investment options!

Jacinda P
— Auckland —

Easy Loans Contact

Contact Number


  • not available


Physical Address

Postal Address

  • 38 Richardson Street, PO Box 497, , Whakatane, 3158, 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 – 17:00
  • Saturday – Closed
  • Sunday – Closed