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Quick & Easy Loans NZ – Bad credit welcome

Loans should not only come with affordable rates and flexible features, they should be tailored to suit your individual needs.

We’re here to help you find your ideal loan and get the features and benefits that will make the world of difference to you a

Frequently Asked Questions

Personal Loans

Are you looking for the ideal personal loan? With banks, credit unions, peer-to-peer lenders, and boutique service providers offering a host of options you may find it difficult to find your ideal option. Loansfind.co.za is going to make things a whole lot easier for you!

We’ve collected New Zealand’s leading lenders and have reviewed and summarized them in a simple yet comprehensive manner. All you need to do is select your ideal provider and review their offerings. We’ve summarized everything from loan amounts and terms to interest rates and contact information for your convenience.

Borrow up to $100,000

Personal loans are flexible credit products that just about anyone can qualify for and make use of. They offer between $2,000 and $100,000 - making them suitable for anything from a small emergency to the purchase of a vehicle.

Average personal loan interest rates are between 9% and 10%. That said if you have great credit you may bag yourself a promotional offer with rates as low as 6%. If you have bad credit you may have to contend with higher interest rates. These may be as high as 36%.

Personal loan terms suited to your needs

Loan terms are one of the most flexible features of personal loans. Most providers will be willing to adjust their terms to suit your specific needs.

The higher your desired loan amount, the longer the loan term will typically be. If you’re searching for lower loan amounts, you can expect a shorter loan term.

Just because a lender offers you a longer loan term doesn’t mean you should accept. Longer loan terms will lead to higher loan costs overall and will keep you weighed down by debt for longer than necessary.

When it comes to credit, always opt for the smallest loan amount and shortest loan term to save time and get out of debt as fast as possible.

List of direct lenders offering Best Personal Loans

  1. Loansmart Personal loan

    Loansmart

    • Loans up to $50,000
    • Term up to 120 months
    • Interest from 13.95%
  2. Interest.co.nz Loans Personal loan

    Interest.co.nz ...

    • Loans up to $40,000
    • Flexible loans
    • Interest from 12.9%
  3. Loans4you Personal loan

    Loans4you

    • Loans up to $20,000
    • No-obligation
    • Easy application
  4. First Credit Union Personal loan

    First Credit Un...

    • Loans up to $50,000
    • Term up to 4 years
    • Interest from 9.95%

Online loan calculator

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The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Quick Loans

While quick loans encompass a wide range of credit types the most common of these are payday loans. These offer a small amount of cash ranging from $300 to $2,000. Some lenders offer as much as 5,000 but these larger loans are generally reserved for customers with good credit or repeat customers.

Do you meet the minimum lending criteria?

To apply for a quick cash loan you must be aged 18 or older, be a New Zealand citizen or permanent resident, have a valid bank account, and a stable income.

Supporting documents and information required:

  • Your driver’s license or passport
  • Proof of residence
  • Your personal and employment details
  • Proof of income
  • Income and expenses as well as information on other debts

Quick loan risks

The biggest risk you’ll face with short-term credit is becoming trapped in a cycle of debt. This generally occurs when you cannot afford to repay the loan and default. The lender will then charge a host of penalty fees that will make it even harder to repay your loan.

This will also affect your credit score. Finally becoming dependent on quick loans to make it through the month can wreck havoc on your finances – so always apply for credit sparingly.

Comparing quick loans online

When it comes to quick loans, there are so many offers on the market it’s difficult to decide which options are risky and which are genuinely helpful. You should always compare offer and opt for reliable lenders that are registered.

When comparing offers remember to check not only the interest rates but also additional fees and potential penalties you may encounter. You may also want to consider the lender’s reputation, how much they offer their terms, and their loan application procedures and turnaround times.

List of direct lenders offering Quick loans

  1. Finance Now Quick cash loan

    Finance Now

    • Loans up to $20,000
    • Term up to 60 months
    • Interest from 12.95%
  2. Geneva Finance Quick cash loan

    Geneva Finance

    • Loans up to $50,000
    • Term up to 60 months
    • Interest from 8.95%
  3. Pioneer Finance Quick cash loan

    Pioneer Finance

    • Loans up to $100,000
    • Term up to 7 years
    • Interest from 11.95%
  4. QuickCash Finance Quick cash loan

    QuickCash Finan...

    • Loans up to $5,000
    • Term up to 156 weeks
    • Interest from 29.99%

Bad Credit Loans

Bad credit loans are one of the most misunderstood credit products on the market. While it’s true that they are more expensive than regular personal loans, they’re not necessarily easy to qualify for and you may have to contend with a host of restrictions.

Need a little help finding a bad credit lender?

When it comes to interest rates, bad credit options are not known for their affordability. Rates will be higher but, it’s still important to shop around and find the best offer. To help you along, we’ve collected and reviewed the most impressive providers.

Bad credit loans explained

These loans are just like any other type of loan on the market offer between $2,000 and $50,000. Loan terms are flexible and can be adjusted based on your needs. Typically a lender will offer terms of between 6 months and 5 years.

You get to request a set amount, are assigned an interest rate and offered a loan term based on your affordability. The difference is only that your interest rate will be higher than those offered on personal loans and you may have to provide security.

Secured bad credit loans

There are a range of unsecured bad credit loans available but these offer smaller loan amounts and carry the highest interest rates. If you want a bigger loan amount you’ll have to provide security.

This usually takes the form of a property or a vehicle. Each lender will have its own set of requirements, something which we’ve summarized on each lender’s page for you.

Ready to find the ideal bad credit loan?

Simply scroll through our collection of bad credit lenders and settle on a lender that offers you the right loan amount, the most ideal loan term, affordable rates, and conditions that suit you. Don’t settle, select your ideal provider and secure the loan you deserve!

List of direct lenders offering Loans bad credit

  1. Max Loans Bad credit loan

    Max Loans

    • Loans up to $50,000
    • Term up to 7 years
    • Interest from 6.99%
  2. 121 Finance Bad credit loan

    121 Finance

    • Loans up to $10,000
    • Term up to 1 year
    • Interest from 14.99%
  3. Blue Sky Finance Bad credit loan

    Blue Sky Financ...

    • Loans up to $100,000
    • Term up to 5 years
    • Interest from 7.95%
  4. Crester Credit Bad credit loan

    Crester Credit

    • Loans up to $15,000
    • Term up to 3 years
    • Interest from 13.95%

Car Loans

Loansfind is ready to help you secure the ideal vehicle finance. Whether you’re looking to buy a new or used vehicle, an SUV or a sedan, you’re going to have to finance it through one of New Zealand’s providers.

We’ve collected and listed the country’s leading lenders, each offering their own set of unique benefits for your convenience. Simply make use of our loan calculator to decide on how much you can afford to spend on a car and start your search!

What you can expect

Vehicle finance allows you to purchase a car by putting down a deposit. This deposit isn’t necessary but will help you lower the overall cost of the loan and you’ll enjoy lower instalments which could make life a little easier for you.

You will then repay the loan in monthly, fortnightly or weekly instalments for a loan term of either 3,5 or 7 years. Car loans generally offer anything from $10,000 to $100,000. This loan is secured on the vehicle itself – which means that missing payments or defaulting will result in repossession.

Tips on securing the best possible offer

When it comes to vehicle finance, you simply have to do your research and compare as many offers as possible. Interest rates start at 4% and can climb up to 15% depending on your credit rating, your loan amount, and the lender.

To avoid paying more than you should, using a loan comparison service or employing the services of a broker that deals with multiple lenders, may save you thousands in the long run. Remember to check for additional fees and charges before applying for any specific offer.

Are you ready to buy the car of your dreams? Great! Brows through our list of lenders and select the provider that meets your needs, offers competitive rates, and allows you to adjust the terms to better suit your circumstances.

List of direct lenders offering Car finance


Debt Consolidation Loans

Debt consolidation has gained popularity over the last few years with thousands of people using it to successfully navigate a complicated debt situation.

If you find yourself struggling to juggle repayments, keep track of lenders, or are struggling to make the required repayments without serious effort, this may be the right option.

What is debt consolidation?

Debt consolidation allows you to roll up numerous debts into one, larger, easier to manage loan. The idea is to help you simplify your debts and, help you lower your monthly debt repayment amounts to free up money for other needs.

Debt consolidation can be done using a personal loan, by remortgaging and combining you smaller debts into your home loan, or by making use of a balance transfer credit card. The option you select will depend on the amount and types of debt that you have.

Which debts can be consolidated?

You’ll be able to consolidate any unsecured, high-interest debts that you’re battling with. This may include credit cards, store accounts, and other short-term and personal loans. Most consolidation loan will require security

Loan amounts & terms

You can obtain a debt consolidation loan of up to $25,000 with loan terms that stretch up to 5 years. These terms will be adjusted to suit your specific needs, debt situation, affordability, and credit score.  You may not be able to adjust the terms as freely as you would with a personal loan.

Choosing a provider

The long term nature of consolidation loans means that it’s important to weigh your options carefully. Not only do you want to secure a reasonable interest rate but you want a lender that’s able to carefully evaluate your financial situation and offer you the ideal terms.

Loansfind will help you find a provider that offers competitive rates and terms that can offer you a professional service that takes your unique circumstances into account. Simply browse our collection of providers and complete your application in just minutes.

List of direct lenders offering Debt Consolidation

  1. Loansmart Consolidation loan

    Loansmart

    • Loans up to $20,000
    • Term up to 5 years
    • Interest from 8.95%
  2. My Finance Consolidation loan

    My Finance

    • Loans up to $50,000
    • Term up to 60 months
    • Interest up to 13.95%
  3. FINANCE NOW Consolidation loan

    FINANCE NOW

    • Loans up to $20,000
    • Term up to 5 years
    • Interest from 12.95%
  4. First Credit Union Consolidation loan

    First Credit Un...

    • Loans up to $50,000
    • Term up to 4 years
    • Interest from 9.95%