Rating based on 64 reviews

Sprint Finance

  • Bad credit loans up to $50,000
  • Low-interest starting from 6.99%
  • Repayment up to 7 years

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

About Sprint Finance

As a bad credit lender, Sprint Finance has partnered up with some of the country’s most flexible and reliable lenders who can assist people with a bad credit rating.

They offer bad credit loans between $4,000 and $50,000 that are secured against the motor vehicle being purchased. For those who wish to purchase a vehicle that does not meet the security requirements, they can also provide standard personal loans.

Enjoy an easy online application

Since they’re an online lender you do not have to worry about paperwork and time-consuming forms. From the online loan application to accepting the loan terms, everything can be done digitally. What’s more, is that you can rest assured that all your information will be secure and remain confidential.

What kind of cars are financed?

Sprint Finance can secure car finance for any motor vehicle that has 150,000km or less and is not older than in 2007. You can also finance the purchase of a jet ski, boar or caravan, so if you’re unsure simply head over to their site and check if the type of vehicle you wish to purchase will meet their requirements.

Credit Contract Indemnity Insurance?

Sprint Finance can offer all borrowers Credit Contract Indemnity (CCI) Insurance which will protect you in the event that you can no longer make the repayments on your loan. Although this type of insurance is optional, it is a good idea for those who need to ensure them and their families are taken care of no matter what circumstances may arise.

Sprint Finance Services

Sprint finance offer loans for bad credit that range from $4,000 to$50,000 with interest rates ranging from 7.95% to 26.95%.

Sprint Finance also offers conditional approval in just 60 seconds! This means that you’ll know whether or not you’re approved in under a minute after completing the loan application.

Why such a broad interest rate range?

Sprint Finance functions as a broker that ensures New Zealanders can access competitive loans that meet their motor vehicle needs and credit. This broad interest rate range simply allows Sprint Finance to cater to a large range of credit ratings and needs.

A 5-star rated online lender

Sprint Finance is a 5-star rated online lender that has received many excellent reviews from happy customers.

From complementing their fair interest rates and flexible terms to expressing just how quick and easy it was to get a loan, if you want reassurance that you’re dealing with a reliable broker, head on over and check their excellent reviews on Trustpilot!

With Sprint Finance you can quickly and easily make an online loan application by using your mobile phone. You will even be able to digitally accept a personal loan agreement on your mobile!

Lower your interest rate

As a borrower with bad credit, you may be required to have a disabling device installed on the vehicle you are purchasing. This may seem drastic but it can offer you a lower interest rate and lower insurance premiums.

Sprint Finance – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 6.99%
  • Loan Amount up to $50,000
  • Repayment 12 months to 7 years

Benefits of Sprint Finance

  • Apply online in 1 minute
  • Apply with a bad credit score
  • Apply 100% online
  • One application gets you multiple loan offers

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.

Bad credit loans that you can rely on from Sprint Finance

Sprint Finance offers some of the country’s most flexible bad credit loans that can assist New Zealanders to purchase their ideal motor vehicle in a simple, manageable and affordable way.

Documents required to apply for a loan

  • 90 days bank statements
  • A copy of the front and back of your driver’s license
  • Proof of address

Although Sprint Finance is more than willing to assist those who need a bad credit loan they will assess your finances to ensure you’re able to afford the loan.

This means that both a credit and affordability check will be performed prior to loan approval.

Sprint Finance will check your finances to ensure:

  • That you are earning a stable income
  • That you can afford the loan
  • What other, if any payday loans do you have
  • If you have any questionable financial transactions such as gambling transactions and payday loan repayment

You may also be required to have a disabling device installed on your vehicle as part of the conditions of your agreement.

Loans terms to suit your budget and needs

In order for Sprint Finance to be able to cater to a wider range of borrowers, their loan terms cover a broad spectrum and can be as short as 12 months to a maximum of 7 years.

Whether you want to pay off the loan fairly quickly or extend the loan term to make your repayments more affordable, Spring Finance will be able to offer you a tailored bad credit loan term to meet your budget and needs flawlessly.

Nifty features and offers by Sprint Finance

In addition to an easy-to-use loan calculator made available on their website, you can enjoy an informative blog full of interesting articles or browse the FAQ section if you have any questions you need to be answered.

If you're ready to apply for your bad credit of vehicle loan, head on over to their quick and easy website and get your application going!

man holding thumbs up

Sprint Finance is a trusted & reliable provider of bad credit loans

In our review, Sprint Finance adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ Sprint Finance is a registered credit provider in New Zealand: FSPFSP 240365

Customer Reviews & Testimonials

June 2019

It was stressful to find a loan with my bad credit history, but Sprint Loans helped me and I got my money quickly

Angela D
— Christchurch —

June 2019

I got a low-interest rate on my bad credit loan

Blake R
— Nelson —

Sprint Finance Contact

Contact Number


  • not available


Physical Address

  • Level 1/94 Queen Street, Auckland CBD Auckland 1010 New Zealand
  • Get Directions

Postal Address

  • PO Box 105063, Auckland, 1143, 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