Rating based on 44 reviews

The Lending People

  • Bad credit loans up to $75,000
  • Low-interest starting from 8.95%
  • Repayment up to 7 years

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The Lending People homepage
Author The Lending People. Screenshot of The Lending People website.
[Accessed March 6, 2023]

About The Lending People

The Lending People are one of New Zealand’s leading brokers, having served more than 38,000 people with quick, easy, and affordable loans.

They offer a broad range of loan amounts and loan terms, a quick and easy way to apply for loans online, and great customer service. What sets them apart from the competition is their ability to accurately source and tailor loans to meet the unique needs of their customers.

Competitive loans and rates

They not only offer loans to people with good credit histories but are able to source bad credit loans for those who don’t qualify for competitive credit due to their poor credit history.

They also have one of the country’s quickest and easiest online loan application systems which can be completed in just a few minutes. Finally, their turnaround time on approval for application is an incredible 60 seconds as well as 60 minutes for those whose loan applications are referred.

Bad credit loans up to $75,000

The Lending people can source bad credit loans for customers that range from $3,000 to $75,000. The loan's terms on offer range from 12 months to 7 years meaning that you can find a loan repayment term and amount that will suit your budget.

Loan interest rates tailored to you

Loan interest rates are adjusted based on your credit score and profile. If you have a bad credit score you will likely get a higher interest rate than someone with a good credit score, and that’s okay! With such a flexible loan term range, they will help you find a loan that will meet your needs.

A commitment to responsible lending

While The Lending People do not offer loans directly they have strong values and are committed to responsible lending. If a customer does not meet their affordability requirements they will let them know and will not continue to try and source a loan for them.

The Lending People Services

The Lending People offer bad credit loans of up to $75,000 with up to 7 years to repay.

Their quick loan calculator available on the homepage of their website lets you adjust your interest rate based on how good or bad your credit score is. The interest rate ranges from 8.95% up to 24.95% for those who’ve had trouble with their finances.

Use The Lending People to get a bad credit loan

When it comes to bad credit loans, most lenders will decline your application if you have a poor credit score unless they specialize in bad credit lending.

By making use of the brokering services offered by the Lending People you only need to complete a single loan application, have one credit check performed and you will have access to a large variety of lenders, many of which offer loans to people with poor credit.

Benefits of using the Lending People’s Broker Services

  • Access offers from multiple lenders
  • Fill in a single quick online loan application online
  • The loan application is quick and easy to complete
  • Bank statements can be automatically retrieved using Provisio
  • Improve your chances of getting loan approval if you have bad credit
  • Access flexible loan amounts and flexible loan terms
  • Brokers work to find a loan option to suit your needs, regardless of your credit score
  • No extra cost to you for making use of their brokering services
  • Chat with a broker via their instant messaging platform or via telephone if you require support

Loans offered by The Lending People

The Lending People also offer personal loans which can be used to purchase a vehicle and consolidate debt among other uses. So whether you need to pay for your upcoming holiday or buy a working car to get to work and back, the Lending People will source the best loan option for you quickly and easily.

The Lending People – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 8.95%
  • Loan Amount up to $75,000
  • Repayment 12 months to 7 years

Benefits of The Lending People

  • Affordable repayment terms
  • Apply 100% online
  • Instant bad credit loan decisions
  • Get approved in 60 seconds

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.

A quick & easy bad credit loan application process

Applying for a bad credit loan with the Lending People will be exactly the same as applying for a loan with good credit and all the same supporting documents will be required as well.

You simply need to fill in all the information and details you’re prompted to by the 4-step online loan application after which you will be asked to upload your supporting documents.

The loan application can take you as little as 5 minutes to complete and will require that you provide your personal, employment, and contact information in full. Should you not fill in all the required fields you will not be able to proceed with the application.

Required documents for a loan application

You need to provide a copy of your ID, NZ Drivers License or passport, proof of address, a recent payslip as well as 90 days' worth of bank statements in order to complete your loan application. Having these documents on hand before starting the application process will save you time and effort and speed up the process significantly.

Uploading your supporting documents

You do not need to manually upload your bank statements as the Lending People have employed the use of Provisio, an automatic bank statement retrieval system.

Using Provisio to provide the required 90-day bank statements will not give anyone access to your accounts and is 100% safe and secure.

Customer Reviews & Testimonials

September 2019

The Lending People helped me get a quick and affordable bad credit loan

Maxwell P
— Nelson —

November 2019

Getting a loan from The Lending People is a stress-free process

Lindy T
— Auckland —

The Lending People Contact

Physical Address

Postal Address

  • PO Box 105063, Auckland City, 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