Rating based on 34 reviews

First Choice Finance

  • Bad credit loans up to $5,000
  • Low-interest starting from 9.95%
  • Repayment up to 36 months

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First Choice Finance homepage
Author First Choice Finance. Screenshot of First Choice Finance website.
[Accessed March 6, 2023]

About First Choice Finance

First Choice Finance specializes in simple loans. So often lending is vastly overcomplicated, this is where we aim to make the difference.

You can get the personal loan NZ you need, regardless of your credit score or if you can back your loan with a valuable asset when you choose us as your preferred lender. Our simple loan application process allows anybody to easily navigate through and apply. This makes the whole lending process convenient and to make matters even better, it will take only a few minutes.

Quick loan payments

We really do everything in our power to make lending with us as easy and convenient as possible, which is why we make sure that our payment times are as short as possible. While it does depend on circumstances, generally if you are approved for a First Choice Finance loan, you will have your bad credit loan deposited into your account before the end of the day.

First Choice Finance Services

Our staff is friendly and accommodating, making them a great option as a lender.

If you have bad credit and have trouble getting your loan application approved at a bank or larger lender, we will gladly accommodate you by offering you a bad credit loan at an affordable interest rate.

A simple & quick application process

In order to match our affordable quick loans online to the unique needs of our customers, we first need to collect some of your information. Our simply online application form takes mere minutes to complete and we vow that when you submit your loan application during business hours, one of our friendly staff members will be in contact with you within 30 minutes.

First Choice Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 9.9535.99% p/a
  • Loan Amount up to $5,000
  • Repayment 1 month to 36 months

Benefits of First Choice Finance

  • Low-interest rate
  • Easy loan application
  • Unsecured Loans

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.

Apply for an quick bad credit loan at First Choice Finance

Applying for a loan at First Choice Finance is simple and easy and it takes only a few minutes because we believe simplicity is key.

In order to access the online application, you can go to their website and click on the ‘Apply now’ button. This will direct you to apply for a loan with an online application form that is laid out in a simple, understandable manner.

You will now need to enter all your personal information such as your name, email address, number, etc. You will also need to state how much you would like to borrow and what you would like to use the loan for.

Quick responses to loan applications

You will also need to specify your employment status, marital status, and the number of dependents. At the end of the form, you will specify your payment frequency and net income for your bad credit loan.

Once you have entered all this information, you can submit your application and First Choice Finance will get back to you within 30 minutes, provided that you have submitted it within their operating hours.

Customer Reviews & Testimonials

Such pleasant and professional consultants, really great service.

Fraser M
— Rotorua —

Affordable loan products on offer to suit any budget and truly excellent staff.

Johnny J
— Napier —

First Choice Finance Contact

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