Rating based on 27 reviews

Just Cash


  • Unsecured loans up to $1,000
  • Low-interest up to 227%
  • Repayment up to 45 days

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Author Just Cash. Screenshot of Just Cash website. [Accessed April 17, 2018]

About Just Cash

Just Cash offers cash solutions to New Zealand citizens when they are in need of a loan.

When you apply for a loan we will give you an outcome within a few minutes. We offer the same-day loans and the money will be paid directly into your account within 24 hours.

Get a loan in just 5 minutes!

If you have an internet connection you can apply for a loan in as little as 5 minutes. Simply complete the online application form any time of the day or night and upload a copy of your latest month’s bank statement or your latest pay slip and we will give you an outcome within a few minutes.

Building a relationship with you

We aim to build a relationship with you and be there for you in your time of need. Every time that you need a loan, we want to be the lender that you turn to. As a returning client, you will be rewarded.

The first time that we grant you a loan, we are taking a risk on you to see if you are able to afford the repayment terms. We will offer you a small amount of money and if you pay back the loan without any issues, then the next time you apply for a loan you will qualify to borrow more money over a longer period of time.

Just Cash Services

There are different types of loans available these include: secured and unsecured loans.

A secured loan needs to be insured by some sort of collateral. In case the loan is not repaid, the item will be taken as payment for the loan.  This loan option is less risky for the lender, but a lot more risky for the client. Unsecured loans don’t need an item of security as insurance that you will make repayments on the loan. In fact, the lender has no guarantee that you will honour the contract so the terms and conditions are usually a lot stricter.

Unsecured bad credit loans

If you have a bad credit score it is very difficult to have your loan application approved, the problem becomes even worse if you don’t have an item of collateral that can act as insurance against the loan.

The lender is taking a risk by lending you money so in order to protect themselves, they will charge you a higher interest fee.

Many forms of security accepted

Some lender will accept your car title or any item that is of greater value than the loan as collateral; remember that if you do not pay back the loan according to the terms in the contract then you will risk losing the collateral.

Just Cash Unsecured loan

  • Loan Type Unsecured loans
  • Interest Rate 227%
  • Loan Amount up to $1,000
  • Repayment 7 days to 45 days

Benefits of Just Cash

  • Apply with a bad credit history
  • Flexible and affordable student loans
  • Secured loan options

We are the professionals when it comes to bad credit loans in NZ

There are other options for those clients that are looking to obtain a loan and that don’t have an item of collateral to secure the loan. If you have a bad credit record, you should consider taking out a loan with a cosigner.

It's easy to reapply for a loan

Once you are an existing client you will be assigned a unique pin number so that in the future, you can simply apply for a loan by sending us a text message and have the money paid into your account immediately.

Returning customers will qualify to borrow more money and can use their loan payments to improve their credit score and raise their credit profile.

Finding a cosigner for your loan

When you are looking for someone to co-sign the loan with you, find someone that you can trust and that has a good credit score. By having someone co-sign the loan with you, you will both be held responsible to repay the loan.

The better the cosigner's credit score is the best deal you will be able to negotiate. You will need to make sure that you make payments on the loan so that you don’t affect your co-signers credit score.

Borrowing from family and friends

Asking family or friends that are in a good position financially could be a solution if you are desperate for money and can’t seem to find another financial solution. They could offer you a better loan deal with a lower interest rate than other lenders.

As long as you treat the contract seriously and make your payment on time everything will go well, but if you have trouble repaying the loan you could risk ruining the relationship with that person that took a chance on you.

Customer Reviews & Testimonials

Its all in the name - just cash, no stress, no drama. Exactly what I needed.

Megan M
— Whakatane —

Quick cash solution at an affordable rate, no security required!

Vanessa L
— Lower hutt —

Just Cash Contact Details

Contact Number



Physical Address

  • 15 Huron Street, Takapuna North Shore Auckland Region 0622 New Zealand
  • Get Directions

Postal Address

  • PO Box 33-1009, Takapuna, 0622, 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