Rating based on 46 reviews

NZ Credit and Loans


  • Unsecured loans up to $20,000
  • Low-interest starting from 13.95%
  • Repayment up to 5 years

In-page navigation

NZ Credit and Loans homepage

Author NZ Credit and Loans. Screenshot of NZ Credit and Loans website. [Accessed April 17, 2018]

About NZ Credit and Loans

NZ Credit and Loans used our years of experience in the lending industry to perfect the way lending works in New Zealand.

A team of people who have been in the financial industry for years decided that they will simplify unsecured loan applications and that is how NZ Credit and Loans was born.

Our loans are tailored to your financial needs

You can get a personal cash loan to use for practically anything you desire. Is your old car rattling in all the wrong places? Buy a new one; get car finance today. Regardless of your credit rating. NZ Credit and Loans is fully owned and operated by local New Zealanders. We believe that we understand the needs of our Kiwi clients and it is the very reason our clients choose us as their preferred lender.

Therefore, we at NZ Credit and Loans, guarantee that if you contact us, you will be talking to somebody in New Zealand and from New Zealand – a local Kiwi.

NZ Credit and Loans Services

Here at NZ Credit and Loans, we provide our clients with solutions to their financial needs.

With an extensive variety of loan types to choose from, we have the resources to any and every financial situation – whether you need to pay for your wedding or you need a blacklisted loan, we are here for you.

Apply for a bad credit unsecured loan

If you have a bad credit rating, NZ Credit and Loans will still accommodate you.

Unlike many other financial service providers, we are willing to accept clients who have defaulted on payments and have credit scores that would generally be seen as risky. We will do everything we can to get you an unsecured blacklisted loan at an affordable rate.

NZ Credit and Loans Unsecured loan

  • Loan Type Unsecured loans
  • Interest Rate 13.95 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of NZ Credit and Loans

  • Loans for clients with bad credit
  • Easy online unsecured loans
  • Flexible repayment options
  • Quick online loan applications

Apply for a blacklisted loan without any security, its quick and easy

NZ Credit and Loans provide their clients with affordable blacklisted loans and allows them to afford the little pleasures in life that can really make a big difference.

They have easy terms for their client’s convenience, which allows them to repay their debt easily.

Apply online in minutes, get approved today

If you want to apply for an affordable blacklisted loan at NZ Credit and Loans you can easily do so by clicking on the ‘Apply Here’ button that is found on every page of their website. Doing so will direct you to an online loan application, form which you will need to complete.

It will request that you enter information such as the amount you wish to borrow, your personal details, your estimated monthly income, the time that they should call you, and your general credit score - which you can rate excellent, average, poor or unsure.

Once this is completed simply submit the application and NZ Credit and Loans will be in touch with you shortly and help you find the loan you need.

Customer Reviews & Testimonials

A very useful site that helped me find the best loan and finance option for my situation.

Juan V
— Napier —

Easy to navigate the site and find the information you need to make an informed choice.

Henry M
— Christchurch —

Great site, helped me find the perfect loan product that was customised to my needs.

Madison H
— Invercargill —

NZ Credit and Loans Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • not available