Getting a loan is easy!

Step 1

Apply Online

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Simply fill out the form. It only takes minutes. Receive a quick decision.

Step 2

Conditional Approval

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We review your application quickly, often within minutes of submission.

Step 3

Get Your Money

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We notify you of interested lenders who are interested in lending to you.

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How do I qualify for a
Payday Loan?

  • Be over 18 years of age.
  • Have a direct contact number.
  • Receive a regular income into a personal bank account for at least 90 days.


Representative example: APR 407.39%. If borrowed $1000 for 62 days, interest $692. Total amount repayable $1692. Interest rates: Maximum nominal APR of $1000: 407.39%. Rates from 278% to 1576% (3 – 12 month repayment)

Loan amounts: $300 - $10,000
Repayment period: 12 months - 36 months
Establishment fee: $400 - $10,000
Monthly fee: 4%


Loan amount: $3,000 $10,000
Term: 18 months 24 months
Principle amount: $5,000 $10,000
Total interest: $2,027.80 5,577.12%
Total payable $7,027.80 $15,577.12
Weekly instalments $90.10 $149.78

Warning: Late repayment can cause you serious money problems. For Help and Advice with money trouble, visit

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Get a Quick Decision

Upon making your application, you will only have to wait a few moments before you find out whether you have been accepted for a loan or if your application was unsuccessful.

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How to Get a Bad Credit Loan in NZ

Payday loans, such as those you can get from Kiwi Cash, also called personal or unsecured loans (also signature lending), are advanced on the basis of the borrower’s credit-history and ability to repay. Repayment is usually through fixed amount installments over a fixed term. Also called consumer loan.

No credit check lending is given to qualfied individuals based on employment or quality of received benefits. It is usually assumed that people who receive this type of loan have a poor history of borrowing, otherwise they would opt for a cheaper product, such as a conventional bank loan.

You can submit your application to Kiwi Cash. We are new in NZ and work hard to match your request with a direct lender who is interested in lending money to you. Whether you are unemployed, on benefits, desire to borrow money unsecured and need it as quick as possible, we do our best to assist you. Click the apply button now and submit your application for a rapid evaluation and quick loan decision, conducted entirely online.

What are bad credit lenders? Getting the best loan when you have poor credit can be difficult. In order to maximize your chances of securing funding, we work with many companies who could be interested in lending to you. Each of these companies are NZ Government Registered Financial Service Providers. While many companies may look at someone having a bad history of credit as a disqualifying status, others focus more on employment or benefits an applicant may be receiving. The way to ensure you get a bad credit loan NZ is to submit your application with us. Our network of financial service providers provide a larger audience for your request.

What are beneficiary loans? Beneficiary loans are for people who may or may not have a job, yet would like to borrow money based on fixed payments they receive. These payments may come from court settlements, a will, trust fund payments and other types of monies an applicant may receive on a fixed basis. Many lenders will evaluate beneficiary payments as a source of income that strengthens the case that you can afford to borrow. Would you like to apply for a beneficiary loan? Click the "apply now"; button today!

Are you unemployeed, yet still need to borrow money? One way that you may qualify, even if you don’t have a job, is if you are receiving benefits. Your credit may play a larger factor if you are needing to borrow, yet are unemployed. It may be more difficult to receive funding unsecured, yet you may still qualify if you have benefits or your credit isn’t completely bad. In any event, it is free to apply.

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What are "No Credit Check Lenders"? Many people who feel they have bad credit prefer to get a loan that has “no credit check”. The primary reason for many of these individuals is that they are afraid that they will not qualify. The answer is to get a payday loan, which is a type that relies primarily on a person’s employment or on their receiving benefits. If you are employed, payday lending may be a solution to your emergency financial crisis. These are known as beneficary loans if a person qualifies based on their receiving benefits. Click the “apply” button above and submit your application!

What are no credit checks for beneficiaries? They are where a person who receives income from beneficiary payments desires a loan with no credit checks. We are an introducer of loans, meaning that we take your application and introduce it to several NZ government-regulated companies who many be interested in funding your application. Some of these companies will want to perform a credit check, others will not, and it is dependent on your particular case. Some things it depends on are how much money you are requesting, where you are employed or receive benefits and how much your income is.

What are guaranteed payday lenders or guaranteed beneficiary lending? No funding can be guaranteed. However, it is free to apply. If you are experiencing a financial crisis, applying for a personal loan is the only way you’re guaranteed to have a chance at getting one! If you need a loan and want guaranteed approval, apply with Kiwi Cash and know that we will look over your application quickly and give you an instant decision on whether or not you wualify to receive a loan from the companies we work with.

Looking for loan companies in NZ? Apply for a $250 to $50,000 loan through our application page. While we are not a direct lender, as you submit your application through us, NZ regulated lending companies will review your application and make a quick determination on acceptance of your loan. While there is not a 100% acceptance rate, it is free to apply and only takes a few moments of your time to see whether you can get a loan.

Apply for a quick cash loan today and if you are accepted, funds will be sent to your bank account quickly and conveniently. While not every application is accepted, we have a high acceptance rate and you can qualify with many types of income sources, including beneficiary, employment or other types of income. You can resolve your financial crisis today by applying for a cash loan from Kiwi Cash.