No Credit Check Loans: Get
up to $1,000 Despite Your Credit Score
Do You Need Cash Fast But You Have a Bad Credit Score?
You are experiencing financial problems and you need cash fast to pay for an urgent expense yet you don’t know where to look because you have a bad credit rating.
Not to worry. You can get a loan from us despite your bad credit history.
This is because we’re a no credit check loans company in NZ which specializes in short term loans without carrying out any credit checks whatsoever. Other lending institutions conduct a formal review of your credit card report.
When you have a bad credit rating, this can make it difficult to get a cash loan in your time of need. However, once we have approved your loan you can get access to it from your bank account in under 60-minutes.
This means you can get from $100 to $500 to pay off your bills immediately, even if you have bad credit. And should you want a loan at some point in the future, you can get up to $1,000 on subsequent loans.
You can do all this in 3 simple steps, without having to fill out any complicated paperwork, hard credit checks, or even leaving the comfort of your own home.
Get a Fast Loan of up to $1,000 Today
No Credit Check Loans: 3 Simple Steps
You can get no credit check loans in the quickest time possible in 3 simple steps.
Step 1
Apply Online
Before you apply for a loan with us, you can use our quick calculator to find out how much you can get and under what payment terms, and then start filling out the online application form.
Step 2
Approval and Receipt of Your Loan *
When we’ve processed your loan, you can expect to have it in your bank account in under an hour.
Step 3
Repayment
The payment will be automatically deducted from your bank according to the agreed repayment schedule calculated during your loan application.
* Please note, this only applies to business hours, and, depending on your bank, the time can vary until the funds arrive in your account.
Our online application process is made for your convenience. However, you can talk to our customer support team if you encounter any problems.
You can get a quick and easy cash loan, even if it’s your first time getting an online loan.
Depending on your individual circumstances, you can get a short-term loan today of up to $500 on your first loan, and up to $1000 on no credit check loans thereafter.
Want to know how much of a personal loan you can get? Use our online loan calculator here to find out.
Get a Loan in Your Bank Account Within 60-Minutes
With us, you can get a short term-loan as fast and easy as possible despite your credit rating history.
And with our 60-minute guarantee, we put our word where our mouth is and guarantee once your cash loan has been approved, you will have your personal loan in your bank account within an hour.
How You Can Get a Loan Without any Credit Checks
Do you have a bad credit score and want to know if you qualify for a loan from us?
We specialise in giving loans without carrying out any credit checks.
However, to get payday loans from us, you still need to meet certain criteria. For example, you must be in ongoing employment and earning over $400 per week net.
This excludes any income you may get from sources such as benefits, self-employment, your pension, or disability benefit.
Although we don’t carry out any credit checks, you still need to meet our basic criteria. This includes being over the age of 18, and currently be in full-time employment.
To view our full list of eligibility criteria, please visit our Do I Qualify information page.
If you have any questions about your eligibility, please feel free to contact one of our friendly team members who will happily assist you.
Get a Fast Loan of up to $1,000 Today
Apply for a No Credit Check Loan Online
Our online application system has been designed so you can apply for a personal loan 24/7 from your mobile device or a computer.
Being an online loan lender means you can have your loan processed and approved in the shortest time possible.
The whole process is done digitally, which means there are no documents to sign or print off. All you’ll be asked to do is sign your personal loan agreement online by using your mouse or trackpad.
Get a Fast Loan of up to $1,000 Today
No Credit Check Loan Costs
We are a responsible lender, which means we will tell you all costs associated with your cash loan clearly and upfront. This means you can make an informed decision when taking out cash advances with us.
We charge interest on personal loans at a rate of 1.5% per day, which is equivalent to an APR of 547.5% per annum. You can view a full list of our Borrowing Costs here.
So you can clearly understand how much is paid back on a typical loan type, we have created a fictitious example below so you can see the potential costs and repayment options involved in paying back a fast loan.
Example – $500 Loan
Let’s take the example of Andrea. Andrea earns $600 net a week and would like to borrow $500 for urgent dental work.
She is paid on Wednesdays. Today is Monday 10th July, and Andrea is next paid on Wednesday 13th July.
Having chosen 5 repayments, Andrea’s loan repayments will be on the following dates:
13th July;
20th July;
27th July;
3rd August;
10th August
Andrea’s final loan repayment is therefore on the 10th August. Andrea’s personal loan was approved and paid on Monday 10th, meaning Andrea will be borrowing the money for 30 days.
The total fees on the $500 Andrea borrows will be:
Establishment fee: $25
Direct Debit fee ($5 per transaction): $25
SMS fees: $6 Once to verify her and one reminder the day before each direct debit.
Interest (30 days @ 547.5% per annum): $150
Total: $206
Total repayment amount: $706
Her repayment schedule and loan amounts will be:
13th July: $141.20
20th July: $141.20
27th July: $141.20
3rd August: $141.20
10th August: $141.20
Total repayment amount: $706
Improve Your Bad Financial Situation
Unlike many other online payday lenders, we care about your financial situation. We’re responsible lenders which means we want to give you an easy payday loan to help you in a time of financial difficulty, not to put you under more financial strain.
This is why we structure loan repayments so you won’t have to pay more than 25% of your net pay each repayment period.
We don’t recommend you take out a loan unless you really need to as the interest rates are high. For example, you should only take out a loan for something you need to pay, and not for treating yourself to entertainment or a holiday.
Our no credit loans are designed to help you get out of a bad situation where you have to pay for car repairs or an urgent, unforeseen bill. This way you won’t regret your decision later and be under even more debt.
Your Details Are 100% Secure
Our robust security systems mean your personal information is fully protected.
You can be sure when you upload and save your personal documents with us your details are completely secure.
To find out more about our online security, please see our security information and privacy policy.
Get a Fast Loan of up to $1,000 Today
Frequently Asked Questions
Our bad credit payday loans are designed in such a way that we don’t carry out any credit checks. All we ask is you meet our eligibility criteria.
Read more about How to qualify for no credit check loan here.
With our 60-minute guarantee, you can get a no credit check loan within an hour of it being approved. Please note, the transfer speed can depend on your bank.
The amount of no credit check loans you can get varies from $100 to $500 if it’s your first time. And up to $1,000 on loans thereafter.
Getting a loan through us is a straightforward process. You can do everything online, you don’t have to fill out any complicated paperwork, and we’ll put your money in your bank account within 60-minutes once your loan has been approved.
However, to get a no credit check loan from us you do need to meet certain criteria, like having an income of over $400 per week net from ongoing employment.
