Yes, you may still be able to get a Loan — even with Bad Credit!
We’ve helped thousands of Kiwis move forward. Fast approvals, flexible terms, and real people who look beyond just your credit score.
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Can I Get a Loan with Bad Credit in NZ?
Yes — at Instant Finance, we look at your full financial picture, not just your credit score. Whether you’ve had defaults, missed payments, or a thin credit history, we may still be able to help.
What Does “Bad Credit” Actually Mean?
"Bad credit" usually means a lower credit score, often due to things like missed repayments, defaults, or a lack of credit history. But it doesn’t define who you are or your ability to get back on track. Many Kiwis have been in this position — and there are steps you can take.
What We Look at Besides Your Credit Score
We understand there’s more to your story. Our team considers:
- Your current income and expenses
- Your ability to make repayments comfortably
- Employment status and stability
- Your recent financial behaviour
We may also be able to help if you're on a benefit or have part-time income.
How to Improve Your Chances of Approval
Want to boost your odds? Here’s what can help:
- Be upfront about your situation
- Provide complete documentation
- Keep other debts manageable
- Apply for a realistic loan amount
Not sure where to start? Talk to us first — we're happy to help.
Why Choose Instant Finance?
- Over 50 years of experience helping Kiwis like you
- Fast approvals
- Flexible repayment options
- Friendly, NZ-based team
- Responsible lending that puts you first
Instant Finance, The Makers of Possible