Rating based on 59 reviews

Simple Cash

  • Bad credit loans up to $3,500
  • Low-interest up to 227%
  • Repayment up to 45 days

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

About Simple Cash

Simple Cash is a reputable New Zealand based lender that is a trading division of Ferratum New Zealand Limited.

We specialize in quick short-term loans and affordable bad credit loans and are known for our quick payout times and excellent service. While we are a very popular company in New Zealand, we are actually currently an active lender in 20 different countries all over the world. Our widespread coverage has certainly helped us become the successful company we are today.

Let us find the right loan for you

Situated in 20 different countries, we have over 1.5 million customers, in many ways we remain a small and intimate lender. Our New Zealand clients only deal with our New Zealand division, and here we are all local and committed to helping you find the payday loan you need.

Basically, you will be getting all the benefits of both a large and a smaller lender.

Simple Cash Services

Being part of a large company sure comes in handy when it comes to the services that we offer.

We get to offer deals and provide interest rates that a small lender would not be able to afford to offer.

Your first loan is interest-free

What is the biggest benefit of lending with Simple Cash? Well, if it is your first time applying for a loan with us, then your loan will be completely free. By free, we mean that there will be absolutely no interest to pay on your instant loan and no additional charges. If you borrow $1,000, you will repay $1,000 – and not a cent more.

Of course, in order to qualify for this first-time free loan, you will need to have a good credit record. With that said though, we gladly give loans to those with less than perfect credit records. Our bad credit loans are affordable and easy to obtain.

Simple Cash – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 227%
  • Loan Amount up to $3,500
  • Repayment 7 days to 45 days

Benefits of Simple Cash

  • Flexible repayment terms
  • Affordable bad credit loan options
  • Quick loan payouts
  • Apply online 24/7

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.

Getting a bad credit loan from Simple Cash is just a few clicks away

Okay, let’s face it – getting a good credit score is not always possible for everyone.

You forget to make one minor payment or experience financial difficulty and that results in a weaker credit score.

We can give you access to a loan

We believe that your salary is, for instance, a far better indicator of whether or not you will be able to repay your loan. Therefore, you will find a host of different loan criteria that we have developed to assist as many clients as possible.

Customer Reviews & Testimonials

I couldn't believe my eyes when I saw that I didn't have to pay a cent extra on my loan amount, no interest no fees nothing just the initial amount. I highly recommend Simple Cash!

Bernard R
— Lower Hutt —

Not my first time using Simple Cash, good service and fast payout.

Robert R
— Ashburton —

Simple Cash Contact

Contact Number



Physical Address

Postal Address

  • PO Box 33-1009, Takapuna, 0740, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed