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

We get straight to work

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We get to work finding you a lender, often within minutes of submission.

Step 3

Meet your lender

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We’ll let you know if we find you a lender, so keep an eye of your mobile and emails.

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How do I qualify for our
Payday Loan lender-finding service?

  • 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.


Loan amounts: $300 - $10,000
Repayment period: 12 months - 24 months

Representative example: Example is based on a monthly interest rate of 9% and an AIR of 108%. WARNING: This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amounts available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.
Note, your lender may offer you different terms, fees or loan amounts based on your individual circumstances, needs and their own lending criteria. Please check your contract before signing.


Loan amount: 2,500
Term: 13 months
Total interest: $1702.80
Total payable $4,202.80
Weekly instalments $75.05

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 we can find you a lender.

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How to Get a No Credit Check Loan in NZ?

Why choose a NO credit check payday loan? If your credit score is poor, you'll find that most traditional lending institutions like banks reject your loan requests after they have checked your credit profile. The good news however is that our loans don't require background checks on your credit profile.

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 "No Credit Check Loans"? They are a type of loan you may qualify for if you are employed or have a steady source of income. They typically do not require collateral and they are repaid when you receive your next income payment.

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 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. For a fair go, apply with us and we’ll do our best to find a lender that can offer a bad credit loan NZ. Our network of financial service providers provide a larger audience for your request.

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Different Types of Bad Credit Loans

If you need a loan, but have bad credit, what options do you have? The first thing to consider is that your credit may not be as bad as you think. There are lenders who will loan money to you based on how much you earn and how steady your employment is. Most people who get a loan with bad credit get what is known as a payday loan. These types of loans are taken out of your bank account automatically after you receive your weekly or monthly paycheque. This type of loan is suitable for smaller amounts that are borrowed for a short period of time.

  • Bad Credit Loans for Beneficiaries

    Perhaps you have bad credit and are on beneficiary payments? Does beneficiary payments qualify as being income for getting a payday loan? It may! If you are receiving beneficiary payments and consider yourself having bad credit, don't let that stop you from applying for a payday loan from Kiwi Cash. We will process your application quickly and give you a same-day decision when possible.

  • Small Loans for Bad Credit

    Do you have bad credit and only need a small loan to get you through to your next paycheque? Kiwi Cash can offer loans as small as $300. If you have a financial crisis and are in need of quick funds to tide you over until your next income payment, consider getting a loan from Kiwi Cash.

  • Larger Bad Credit Loans

    Do you need a loan for bad credit that is a larger sum? Kiwi Cash can help with loans up to $5000. You can choose to repay it immediately on your next paycheque, or get into a payment plan that has you repaying the debt over a period of months. If this is the type of loan you need, apply with Kiwi Cash today. As long as you can afford the repayments, we may be able to assist you in getting a loan (even if you have bad credit).

Instant Loans No Credit Checks Online Approval NZ Up To $10,000

Instant loans no credit checks online approval NZ may be the quick cash solution you need when you’re in a bind. If you need loans fast though, finding the right lender can be tricky. That’s where we come in. Our lender-finder service can potentially match you with reputable lenders offering loans up to $10,000.

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!

NZ Loans No Credit Checks

Instant loans no credit checks online approval NZ may be the quick cash solution you need when you're in a bind. If you need loans fast though, finding the right lender can be tricky. That's where Kiwi Cash comes in. Our lender-finder service can potentially match you with reputable lenders offering loans up to $10,000.

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 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.