Need a loan but struggling with poor credit? We’ve compared the top bad credit lenders in NZ so you don’t have to. Use this table to see which loan suits your situation—whether you need fast cash, a longer term, or flexible repayment options.
| Bad Credit Loans NZ → |
| No Credit Check Loans NZ → |
| Emergency Loans for Beneficiaries → |
Quick Comparison Table
| Lender | Loan Amount | Term | Interest Rate | Payout Time |
|---|---|---|---|---|
| Harmony NZ | $2,000–$15,000 | 6–60 months | From 9.99% p.a. | 24 Hours |
| Simplify Loans | $1,000–$7,000 | 6–24 months | From 16.95% p.a. | Same Day |
| Save My Bacon | $500–$5,000 | 3–12 months | Up to 49.95% p.a. | Within Hours |
| Moola NZ | $300–$3,000 | 3–6 months | From 29.95% p.a. | 1 Hour |
Which Loan Is Right for You?
✅ Need a large loan & better rate? → Harmony NZ
✅ Need flexible terms & same-day funding? → Simplify Loans
✅ Need fast, small cash now? → Save My Bacon or Moola NZ
Each lender has its own approval criteria—some focus on income, others use real-time banking data to assess eligibility.
Before You Apply
Make sure to:
Gather your ID, proof of income, and bank statements
Apply to only one lender at a time
Choose an amount you can realistically repay
Read the terms carefully before signing anything
Related Guides
| Bad Credit Loans NZ → |
| No Credit Check Loans NZ → |
| Emergency Loans for Beneficiaries → |
