Rating based on 33 reviews

Pretty Penny

  • Loans bad credit up to $1,000
  • Low-interest up to 365%
  • Repayment up to 8 weeks

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Author Pretty Penny. Screenshot of Pretty Penny website.
[Accessed July 3, 2019]

Pretty Penny - Loans up to $1000

Pretty Penny is a proudly New Zealand company that specializes in short-term loans of up to $1000. There are no restrictions on what your loan can be used for. At Pretty Penny, we aim to save you money on your loan and help you get exactly what you are looking for.

The application process is straightforward and can be completed via our website. The approval process only takes a few moments and those with bad credit are not discriminated against. If you have any questions our consultants would be happy to assist in any way that you need.

No waiting around for your cash

As soon as your quick loan application is approved the money will be paid into your account, there is no need to wait around. We know you need the money quickly so we get it to you quickly.

Customize your repayments

At Pretty Penny we do not have a set repayment schedule, in fact, we design the loan with you, you decide exactly how much you want to borrow and how long you need to pay back the money. We work around your needs and if they should change, simply let us know so that we can rearrange your repayment terms.

Our bad credit loans range between 4 – 8 weeks, but you will not be penalized for repaying your loan early. You should always try to repay your loan as quickly as you are able to because the longer that you take to repay it, the more the loan will end up costing you.

Pretty Penny Services

Apply for a Pretty Penny loan online and get your outcome and your cash in record time.

You will be charged an establishment fee of $64 this is a once off payment to open and create your loan file.

The interest rate will then be charged at 1% per day for the life of the loan agreement. First-time clients will be charged a setup fee of $24.

Using technology to your advantage

There is no need for a face to face consolation and the bad credit loan application process can easily be completed online in a few minutes.

Then simply use Credit Sense to upload a copy of your bank statement that works by giving us access to view and verify your bank statement by using your internet banking.

This process means that you don’t need to run around trying to get statements from your bank or worry about your details being compromised.

Is Credit Sense safe to use?

Credit Sense is completely safe and easy to use, we are only granted read-only access and can’t make any changes.

Once we have verified your details your credentials are encrypted and deleted, if you reapply for a quick cash loan you will need to resupply these details as none of your banking details are ever saved.

Pretty Penny – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate 365%
  • Loan Amount up to $1,000
  • Repayment 7 days to 8 weeks

Benefits of Pretty Penny

  • Bad Credit 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.

Pretty Penny - Quick loan processes

Once you have applied for one of our bad credit loans and repaid the loan, the next time that you apply it will be even quicker and easier as you will be given a unique customer number to speed up the process.

The application process will be even quicker because we have all your details already, you will only need to update your income details and your loan specifications. You can apply for a new loan once you have repaid the entire outstanding amount on your previous loan.

Lending criteria to qualify for a loan

  • You must be at least 18 years old
  • You must be a New Zealand residence and a citizen
  • You must hold a bank account that is in your name and that the money can be paid into
  • You must prove that you have the ability to repay the loan
  • You will need to provide a form of identification either your passport number, driver’s license or birth certificate

The instant cash loan will be paid into your nominated account as soon as the loan application is approved.

Keeping in touch

If any of your personal information changes then let us know either by sending us an SMS or an e-mail or update them via our website.

In some cases we can loan you a cash advance on the money that you have repaid on your loan so far, this will work as a revolving credit and can’t exceed the maximum loan amount or the maximum repayment terms.

Once you apply for a loan we will send you an SMS reminder and let you know how much you have paid and how much you still need to pay. When your payment is due we will send you a reminder the day before so you can make sure that you have enough money in your account to cover the payment.

Postponing a payment

If you are struggling to make a payment let us know and we can have the payment postponed, you will be charged a small fee for this service but if your direct debit is dishonoured you would be charged a lot more in penalty fees and charges.

Customer Reviews & Testimonials

When you are borrowing money from Pretty Penny you are in full control of your loan. You can decide on your borrowing amount and the repayment amount and frequency. This is the way that borrowing...

Jonathan R
— New Plymouth —

Pretty Penny has fully embraced technology to streamline processes and make the entire process work to your advantage. Their new online application ensures that you can get your loan approved fas...

Llewellyn W
— Picton —

I found myself in the middle of a difficult month and was worried that I would not be able to meet my payment. I simply gave them a call and they were able to postpone my payment. They are highly...

Arnold W
— Gisborne —

Pretty Penny Contact

Physical Address

Postal Address

  • PO Box 11360, Palm Beach, Papamoa, 3151, New Zealand

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed