Rating based on 13 reviews

Just Cash

  • Loans bad credit up to $3,500
  • Low-interest up to 277%
  • Repayment up to 45 days

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Author Just Cash. Screenshot of Just Cash website.
[Accessed April 17, 2018]

Just Cash - Quick cash solutions

If you are in need of a fast short-term loan, Just Cash offers cash loans with a competitive interest rate. Our quick loans are designed for New Zealanders who are in need of quick cash for the unexpected since there are times that we are not able to budget for emergencies.

We understand that it’s sometimes a bit daunting when you apply for a cash loan and you don’t feel like going through the hassle or you’re not sure how to go about it, the good news is that Just Cash takes the hassle out of applying for a loan.

Our short-term loans are popular in New Zealand

We have made our short-term loan and credit options that are available easy and stress-free, plus these loans are quite popular, they include quick cash loans and payday loans are a perfect solution for when you have an emergency and need cash in a hurry.

Just Cash is well aware that you need to receive the funds as soon as possible, we strive to get your bad credit loan approved and if you have not been approved you will be informed within no time at all. No time wasted and you don’t need to sit around a worry whether you’ve been approved or not.

Payday loans

Please take note of the following when applying for a payday loan; these loans were designed to assist Kiwis with a small amount of cash and only for a limited time frame. This means that the full amount will be due for settlement on your next payday.

Just Cash Services

Short-term loans are approved to customers who in a time of need and require the funds fast without all the hassle and effort – these personal loans are a form of microloans.

Secured loans are what we like to call “cash to spend as you wish” the loans are secured since the lender sets up a direct debit on your banking account and the full amount will be deducted from your bank account in one easy repayment.

Short-term loans

These loans are typically secured by your salary/wages and if for some reason you default on payment, you’ll be charged a penalty fee and the debit order will roll over until you have funds in your account.

Since a bad credit loan requires no credit check, so if you do have a bad credit score it’ll have no effect on your loan application.

However, this sort of loan has a higher interest rate and can become expensive if not managed.

In other words, bad credit doesn’t mean you won’t get the loan.

Ensure that you use this sort of loan only if you have an emergency and only borrow what you need to ensure that you are able to make repayment comfortably and not get yourself into any financial difficulties or putting yourself under pressure

Just Cash – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 277%
  • Loan Amount up to $3,500
  • Repayment 7 days to 45 days

Benefits of Just Cash

  • Bad Credit Loans
  • PAYDAY Loans
  • Quick Cash Loans
  • Instant Payday Advance
  • Easy Cash Advance
  • INSTANT Loans

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.

Quick Cash loans made easy with Just Cash

Need a loan fast? Just Cash can make it happen!

There is a high level of risk associated with short-term loans and with good reason as this is the easiest loan to obtain. Since there is no need to do a credit check, individuals who are not making it financially are able to apply for our instant loans without a problem.

This sort of loan is great for individuals who do have a not so good credit record to apply for a loan at any time they need to, however, it can become a problem when its time for repayment and they don’t have sufficient funds. But on the other hand, there are times when we need such a loan so always ensure that you have the affordability.

If you work wisely you can make your short-term loan work for you

Just Cash is here to assist you in every way we can if you repay your short-term loan within the required time, you can minimize the risk related to your loan and be in a position to qualify for better loan term going forward, and should you need to apply for another loan in the future.

Financial solutions and equal opportunity for all Kiwis

We aim to assist our clients with the best possible services and solution since they are the key to our business. We strive and to give the best assistance from the beginning of the process to the where the funds have been deposited into your account. Just Cash is a firm believer that everyone should

If by any chance you have been blacklisted, you are welcome to apply for our blacklisted loans; our blacklisted loans have been designed to give all New Zealanders a second chance at managing their finances.

This option does allow you to borrow lessor amounts and in return, you will need to prove that you are in fact credit-worthy by making regular repayments until full settlement of the blacklisted loan. And once you’ve proved yourself you could possibly be able to qualify for a larger amount.

Customer Reviews & Testimonials

Just Cash makes sure that the loan that you receive with them is the best possible option for both parties. Their interest rates are highly competitive making them very affordable.

Patrick M
— Kaikoura —

With the assistance of a short-term loan from Just Cash I was able to quickly and gracefully recover from a potentially sticky financial situation. Thanks for the help guys - I could not have don...

Emily D
— Oamaru —

Even with a less-than-desirable credit record, Just Cash was willing to help me. Other lenders turned me away with no solution but Just Cash is definitely not like the others. They are worth thei...

Drew T
— Tauranga —

Just Cash Contact

Contact Number



Physical Address

Postal Address

  • PO Box 33-1009, Takapuna, 0740, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday Closed –
  • Sunday Closed –