Rating based on 32 reviews



  • Unsecured loans up to $5,000
  • Low-interest starting from 12.99%
  • Repayment up to 7 years

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Zealy homepage

Author Zealy. Screenshot of Zealy website. [Accessed May 26, 2020]

About Zealy

Zealy is one of New Zealand’s most popular and efficient short-term loan providers.

They provide no fuss loan ranging between $1,000 and $5,000 and are able to assist those looking for unsecured loans for blacklisted people.

Their modern lending process will impress

From their quick and easy online loan application to their simple online bank retrieval system that allows you to verify your income and expenses with no fuss, Zealy’s modern lending process is sure to impress!

This modern digital process features bank grade security and they follow the strictest privacy rules to ensure your online loan application is safe, secure and confidential.

Once your loan is approved you will receive a digital contract that you can review and sign on just about any device. No need to print and scan or do any of the other things you may have had to in the past!

This makes things much easier and will help you get the cash you need in your bank account faster.

Zealy currently have an incredible promotion running where customers who have taken out a short-term loan with them can stand a chance to win $50,000!

If you’ve taken out a loan with them and qualify, why not head over to their site and try your hand at guessing the 4-digit code!

How much will my loan cost?

Zealy are a transparent lender that have laid out all their fees on their website for borrowers to take note of. In addition, borrowers can rest assured that they will received a tailored interest rates that ranges between 12.99% to 24.99%.

Their fees page includes the interest rates, admin fees and once-off establishment fees among other possible fees that you may encounter.

Zealy Services

Zealy is a simple lender that offers Kiwis bad credit loans between $1,000 and $5,000.

They’re a no-fuss, online lender that strives to deliver excellent customer service and keep their excellent customer ratings up!

According to Trustpilot, their customers have rated them a 4.7 out of 5 and have left some excellent reviews complimenting them on their easy to use service.

Trustpilot is one of New Zealand's leading review platforms and Zealy have welcomed the feedback left on the platform.

Getting approved when you’re blacklisted

Although Zealy does not guarantee that all those with bad credit will be approved, they definitely try to accommodate as many people as they can and are willing to take on a little extra risk to do it.

That being said, Zealy are a responsible lender that is registered and abide by the Responsible Lendign Code.

This means that if your credit score and affordability doesn’t meet their required minimum standards, your instant loan application may be denied.

Need to use a loan calculator

Being an informed borrower is crucial to you and will ensure you maintain a healthy financial life. If you’d like to work out the cost of a loan, head on to their site and make use of their loan sliders to find out how much a loan will cost you and what your repayments will look like.

Need to top up a loan?

Zealy allows borrowers to top up their unsecured blacklisted loans only if they have a good repayment history with them.

This requires the borrower to have made regular loan repayments to them for the last 6 months. Unfortunately if you’ve missed a recent payment you will not be able to top up your Zealy loan.

Zealy Unsecured loan

  • Loan Type Unsecured loans
  • Interest Rate from 12.99%
  • Loan Amount up to $5,000
  • Repayment 12 months to 7 years

Benefits of Zealy

  • Get a loan without security
  • An easy online loan application
  • Apply 100% online
  • Repay your loan without penalty fees

Need a blacklisted loan that’s unsecured and easy to apply for?

If you’re over the age of 22, are a NZ citizen or holder of a work visa and are earning a stable income you can apply for a blacklisted loan with Zealy.

Although you may not be guaranteed loan approval, as one of the most flexible lenders on the market at the moment, if anyone’s going to say yes, it will be them!

That being said, Zealy will conduct a credit check as well as go through their affordability checks to ensure that taking out a loan is the right option for you.

What your Zealy loan can be used for

Zealy does not enquire as to what customers wish to use their blacklisted loans for and merely state that as long as it’s legal you can use your loan for it!

Here are just a few examples of what Zealy customers do with their loans:

  • Pay for motor vehicle repairs
  • To buy electronics including cameras and related devices
  • For the purchase of sporting equipment
  • Pay medical bills
  • Cover urgent household expenses and bills
  • To purchase gifts for loved ones
  • To fund engagement rings

Get conditional loan approval in just 60 seconds!

As an online lender, Zealy has an automated system that will be able to provide you with conditional personal loan approval in just 60 seconds. This may sound too quick to make any sense but, the system is quick and accurate and takes into account all the information provided by you during your loan application.

This information includes your personal details, employment information as well as details on your income and expenses which Zealy will make use of to ensure loan affordability and eligibility. 

Need to find out more about Zealy’s quick loans?

Zealy’s website is easy to navigate and includes a FAQ section that deals with some of the most common questions received from borrowers. If you don’t find the answers to your questions on there, you can contact them telephonically. Either way you are sure to find the information you need and experience a level of satisfaction that you’ll be happy with! 

man holding thumbs up

Zealy is a trusted & reliable provider of unsecured loans

In our review, Zealy 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.

Zealy is a registered credit provider in New Zealand: FSP240365

Customer Reviews & Testimonials

January 2019

Zealy has a quick and easy loan process

Linda F
— Dunedin —

October 2019

I got a quick and stress-free unsecured loan from Zealy

Susan D
— Auckland —

Zealy Contact Details

Physical Address

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