Loan Direct
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Rates From 8.95%*
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Loan Direct

Bad Credit Loans

Give us a call or apply online in just 2 minutes. We move fast to get your loan approved sooner.
  • Lots of options for more chances of success
  • Same day approval and payout*
  • Easy, 100% online process
  • Friendly, helpful team

*Subject to responsible lending checks.

Loan Direct Can Help you

To Get a Loan

Loan Direct provides loans to people with a poor credit history, helping them access cash loans quickly and affordably. There isn’t a lending situation we haven’t encountered before and we can find solutions for most.

There are many reasons why people end up with a bad credit score, and sometimes it’s not entirely their fault. They may have lost their job, became ill and were unable to work, faced unexpected expenses, acted as a guarantor for someone who defaulted on payments and so on.

Life is unpredictable and when you find yourself in a spot of trouble, it helps to have a loan company that will listen to you without judgement. If you can provide a reasonable explanation for your credit history, we’ll do everything we can to get your personal loan approved.

How Do You Choose a

Bad Credit Loan Company?

The most important thing to know when choosing a finance company for a bad credit loan is that there are two types of lenders:

1. High-cost lenders 
2. Low-cost lenders

Sadly, many people think that if they have a bad credit history, High-cost Lenders are their only option. But these types of loans attract high fees, interest rates of over 50% per annum and have shorter repayment periods. In times of stress, the last thing you need is to put yourself under more pressure.

By taking on a high-cost loan, you’re more likely not to be able to meet your repayments, and so your credit score will decline even further.

Loan Direct

Can Help You Access an Affordable Loan

Loan Direct is different. We can help you access an affordable loan with lower interest rates and fair conditions. Our loan terms are reasonable and structured to help you meet your repayments on time. By ensuring you have the ability to comfortably meet your repayments, you’ll be able to improve your credit score. We help you achieve this through:

  • Lower interest rates, because we are a low-cost lender
  • Longer repayment terms, so it’s easier for you to meet your repayments
  • Timing your repayments with when you get paid, so it’s easier to budget

Loan Direct wants to give our clients some breathing room, not place them under more pressure. We strive to set you up for repayment success, not a failure. We can provide more loan options than other lenders, so you can work towards improving your finances.

Can You Get a Small Loan

With Bad Credit?

Absolutely! Loan Direct provides loans for people with bad credit. Types of loans include:

Loan amounts start at $1000 and go up to $30,000. The period of time your loan is structured for will depend on how much you’re borrowing, and what you can afford to pay each month.

What Is The Lending Criteria For

A Bad Credit Loan?

We look at three key factors when making application decisions:

  • Affordability – can you meet your monthly loan payments?
  • Regular income – is income going into your bank account each month?
  • Equity – is a loan with collateral the best option for you? Not always, but in some cases we’ll require some form of security. Secured or equity loans are a valid loan option if you’re falling short of meeting our lending criteria.

How Do You

Apply For a Bad Credit Loan?

Simply fill in our two-minute application form and we’ll be in touch. Loan applications are assessed as soon as we receive them, and we aim to have an answer to you within 1 – 2 hours*. Income verification is simple too. We provide you with a secure link to access your bank statements online, so there is no need to download, print out, scan and email them back to us.

Everything is handled electronically, so we don’t have to meet face-to-face. We move fast to provide financial decisions within a couple of hours. Once approved, loan funds will be in your bank account the same day or next*.

*Subject to responsible lending checks.

If you've struggled with paying bills in the past, the last thing we want to do is put you under more stress. Instead, we help by finding a repayment solution you can afford, with fairer fees and lower interest rates.


This will help you ensure you don't miss repayments in the future, so you can rebuild your credit score. Every time you pay a bill or make a payment on time, it helps improve your credit score. Loan costs make a big difference in meeting your payments so it's important to try and find the cheapest loan for your financial situation.

Apply today and you could have a decision in just a few hours. It only takes a few minutes to apply and our process is simple and easy.


Loan Direct takes the stress out of borrowing money. We've been lending since 2008 and have a reputation for providing fairer terms, lower interest rates and exceptional customer service.


Our experienced lending specialists work hard to get you the best deal and look at all your options.

Visit our FAQs page to check out answers to our commonly asked questions

* Fixed interest rates range from 8.95% p.a. to a maximum of 29.95% p.a. on a minimum of 6 months to a maximum 120-month term.

We are an NZ registered Financial Service provider – FSP Number 7461 and member of Financial Services Complaints Ltd – our FSCL Number is 617.

*Rates of 8.95% subject to lending criteria and eligibility. 1-hour approval and same day payout subject to the applicant meeting our lending criteria and supplying all the information we need to process their application.

Terms of 120 months only available on secured loans. Unsecured loans offer terms of up to 60 months.

Auckland Loans - Personal Loans from 8.95%, Emergency Loans approved in 1 - 2 Hours. Secured & Unsecured Loans Auckland. 100's 5-Star Reviews. Apply Now - it's Fast & Easy.