Rating based on 61 reviews

Simple Cash


  • Unsecured loans up to $1,000
  • 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 May 1, 2020]

About Simple Cash

It’s simple, we are a finance house that forms part of the prestigious Ferratum group, and established our company in New Zealand in 2005.

Since then, we have grown and are currently servicing clients all over the world. Providing unsecured loans for blacklisted consumers is one of the ways we aim to help all who turn to us for financial support.

We have loans that will fit your budget and needs

We have a strong client base that boasts numbers over 1.5 million and we continue to grow this number as we offer valued products and services in the industry. Our reputation in the market is a strong one and our team of staff are highly skilled and proficient in the financial lending sector. Whatever your reason is for your loan application, we have a product to suit your needs.

We put our clients first

Customer service is at the forefront of our motto and obligation to consumers. We are willing to go beyond the call of duty to ensure that all our service is of an esteemed nature and keep our clients satisfied from start to end of their financial journey with us. We are driven by innovation and have a hunger to succeed in the modern age of technology through the use of online and mobile platforms. One day we hope to become the leaders in the short-term loan sector.

Straightforward terms and conditions

Simple Cash is committed to maintaining excellence through our aims and goals within the financial community. We are a national credit provider and therefore our terms and conditions are straightforward, and that's why we offer low interest loans to our customers. You can rest easy that we have your best interest at heart.

Simple Cash Services

Does your credit score look a little worse for wear? Have you recently been blacklisted due to numerous account repayments being met? Then don’t hide any longer, we’re here to assist you and get you back on your feet.

Cash emergencies are a real thing for everyone. If you were to be judged on your credit history for an emergency that you need help with now, it would be a rather tough pill to swallow if there was no help to you at all. Generally, lenders would perform a credit check, yet, at Simple Cash, we make sure that we’ve got you covered. 

Secure your loan

Do you own property or a perhaps a vehicle that you can use to offer as collateral against your loan? If you do, then the lender will see you as less of a risk and are more inclined to lend money to you and even offer a lower interest rate if you can provide insurance for the loan amount. You could use the loan amount to get out of debt and simply repay one monthly instalment.

The amount that you will be eligible to borrow will largely depend on how much the insurance item is worth. What is the risk? Well, for this type of loan agreement, it’s that if you fail to repay the loan, you are at serious risk of losing the item, being your home or car.

How do I know if I qualify for a blacklisted loan?

This part needs to be simple. We understand that at Simple Cash. That is why we only request the supporting documents that we need. You will have to provide a copy of your previous months’ bank statement which should have a clear display of your personal details. This statement serves as a proof of residence too for your convenience. That is all you need, and once submitted, we will assess your loan application and give you feedback on an outcome within minutes. Regardless of your credit status, we provide loans for bad credit consumers who require financing.

Simple Cash Unsecured loan

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

Benefits of Simple Cash

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

Simple Cash aims to turn your life around with our fast turnaround times!

We aim to please all our customers through the offer of value-added benefits. This is just some of the well-deserved service that Simple Cash clients receive.

Blacklisted unsecured loans are simple and efficient and we believe that getting a second chance at credit is something every individual deserves. Simple Cash endeavour to make our clients lives easier when they are going through a difficult financial time.

We are committed to helping you get a loan

Since we are your choice of microloan lender, we are committed to putting our best efforts and skills to the test in responding to your personal loans, cash loans, text loans and microloans requests. Our promise to you is that we will always do our best to offer you an exemplary and professional service.

We strive to continually deliver market-leading application possibilities, both online and via text message. We push to deliver quick loan decisions at all times. Your money, if approved, can be in your account in as fast as 4 minutes and there are no hidden costs involved. Complete transparency is important to us and we ensure that your details are treated with the strictest of confidentiality and protection.

Words of encouragement

As a registered lender, Ferratum New Zealand Limited understands the implications behind falling behind on accounts and facing financial difficulties. That is why we have a team of collections advisors readily available to assist you if you struggle to pay on the date you first selected to pay your instalment on.

Simply apply online today, and have the funds that you need today!

Customer Reviews & Testimonials

Such a fast and convenient application - I was able to get it done in a few minutes and the funds was in my account the same day.

Marius R
— Invercargill —

It was easy enough to do the application and get the funds - the rates aren't as amazing as I hoped.

Calvin S
— Rotorua —

Simple Cash Contact Details

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