Rating based on 26 reviews


  • Loans bad credit up to $30,000
  • Low-interest starting from 12.65%
  • Repayment up to 5 years

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BNZ homepage
Author BNZ. Screenshot of BNZ website.
[Accessed July 3, 2019]

BNZ - A speedy loan service

BNZ has been in the financial business for over 150 years and over the years we have become a household name in New Zealand by assisting countless citizens.

We have redesigned banking and moved the traditional banking system into the future.

Our customers are the key to our success

You the customer are the lifeblood of our company, so we aim to make your life as easy as possible by providing you with the solution that you need when you need it.

We know you have a choice when it comes to lenders so we promise our customers the following:

  • We will listen to your needs and guide you in making the best financial decisions
  • We will explain everything to you in simple terms that are easy to understand
  • We will help you make your money grow
  • We will find you the best value for money solutions to meet your needs
  • We will treat you with honesty and respect
  • If you have any problems we will do everything in our power to assist you

We are more than just a bad credit loan providing service and we will listen to your individual circumstances and treat you as a person, not just a loan number.

BNZ Services

We aim to bring the future of banking to everyone no matter their age or their income level. Banking should be available for everyone that is why we make sure we don’t discriminate against anyone and take every precaution to make sure all our client's requirements are satisfied.

Our ATMs, stores, and branches have wheelchair access and services that are designed especially for those that are hearing or vision impaired. There are special programs in place to assist the elderly.

BNZ bad credit loans

Our bad credit loans allow you to borrow between $1,000 and $30,000. The repayment terms are fixed so that you know exactly how much your loan payment will be each pay cycle. This will make it easy for you to budget and won’t leave you with any nasty surprises.

Loans need to be repaid between 3 months and up to 5 years depending on the loan agreement. If you can afford to pay more off your personal loan or can settle the loan early, you are encouraged to do so and you won’t be charged any penalty fees or additional charges.

Keep track of your payments online

Log onto our website 24 hours a day and check the balance on your long or short-term loan, see how much you have paid and how much you still need to pay.

You can use the internet banking function any time of the day or night. Top up your loan as needed, simply apply and you will have access to the revolving credit.

BNZ – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 12.6517.85% p/a
  • Loan Amount up to $30,000
  • Repayment 3 months to 5 years

Benefits of BNZ

  • Loan terms are fixed
  • Instant access to your money after approval
  • Repayment terms are flexible

Bad credit loan calculator

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.

BNZ - Helping you make better financial decisions

The children are our future and we want to do everything in our power to help future generations make better financial decisions and teach them to save early on in life.

To help introduce the youth to the financial world we offer special interest rates to students and graduates. We will even waive the loan facility fee and guide you every step of the way.

Giving back to help the community grow

We assist local communities and teach them how to manage their resources and make better financial decisions. Our community projects are run by volunteers and showcase the passion that our people have to make a difference in the lives of others.

We run education programs that teach new parents how to plan a budget for their growing families and teach them how to get the most out of the money that they have. We run online safety courses on how to stay safe online and run computer classes for senior citizens to introduce them to the joys of internet banking.

Protect your finances

We offer our clients advanced personal loan insurance that protects them should they not be able to continue making payments on their bad credit loans or are affected by illness and accident or death. If your income is affected in any way and you can’t afford to repay the loan.

Loan insurance will pay your portion of the loan if you are unable to work for more than 14 days and pays up to the value of $50,000. The same amount will be paid should you become disabled or should you die unexpectedly. Loan insurance will cover your loan up till the age of 70 and you must be under 65 to apply.

Consolidating debt that has become unmanageable

If your bills are becoming too much to handle and you don’t know how to juggle paying them all on time then it could be time to consider consolidating your debt into one easy payment by using a consolidation loan.

All your current debt will be paid off and you will only need to repay the loan. This option can save you from angry creditors climbing down your neck and late fees and penalty charges pushing you even further into a bad financial situation. The repayment terms will be much easier to manage as you will only need to repay the loan in one small easy monthly installment.

Customer Reviews & Testimonials

If speedy is what you are looking for then speedy is what you will get from BNZ. I am used to banks and lenders taking their time so getting my loan processed so fast with BNZ was truly amazing.

Janine M
— Hastings —

With a bad credit loan, you can improve your credit record. BNZ helped me to get the finance I needed and helped to place me in a better financial position for my future. Thanks, BNZ!

Gerald H
— Stratford —

BNZ allows you to log onto their website and keep track of your loan payments. You can see what you have paid so far and how much you still need to pay. It is this type of functionality that I lo...

Raymond H
— Christchurch —

BNZ Contact

Contact Number


  • not available


Physical Address

  • 30 Mahuhu Crescent, Auckland CBD Auckland Auckland 1010 New Zealand
  • Get Directions

Postal Address

  • Private Bag 39806, Wellington Mail Centre, Lower Hutt, 5045, New Zealand, Lower Hutt, 5045, New Zealand

Opening Hours

  • Monday 07:00 – 17:00
  • Tuesday 07:00 – 17:00
  • Wednesday 07:00 – 17:00
  • Thursday 07:00 – 17:00
  • Friday 07:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed