Bad Credit Loans

bad-credit-loansBad credit is real…

Bad credit is something that can happen for a variety of reasons and is a reality for many people. The problem with the credit rating system is that it doesn’t tell the story behind the bad credit. While it might say what payment was missed on what date, it doesn’t say why it was missed.

But it may not be a problem

Many people end up with bad credit because of unexpected and unavoidable life events. They work hard and try their best to keep their credit rating high but fail due to events out of their hands. This bad credit that they’ve tried so hard to avoid can stay with them for up to five years, virtually exiling them to the financial wilderness.  It causes them to believe that they will have to wait out their five year period before anyone will give them a loan.

While this is most likely the case with a bank, at Cash Loans Now we are committed to providing NZ cash loans mainly based on your current ability to pay, not your credit history.

Bad credit loans

We understand that not all past bad credit comes from irresponsible money management.  We don’t usually do a credit check but we reserve the right to – we try to leave your bad credit in the past and mainly look at your current ability to repay the loan.

Cash emergencies can happen to everyone, not just people with good credit, we believe that everyone should have the chance to get themselves out of a jam with flash cash when they need it most.

If you have past bad credit or simply want your credit information to remain private while applying, then head over the ‘Apply now’ tab to start your application.