Bad Credit

Tidy up your Credit Score

Bad Credit, Debt Consolidation / @digitalstream

Collection agency debts: If collectors are breathing down your neck, satisfy those bad debts (defaults) with a personal loan.

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Personal Loans with Bad Credit Bad credit is something that becomes attached to you (quite literally) if you have defaulted on your financial obligations or loan repayments in the past. Typically, a repayment left unpaid for more than 60 days is considered a default. Depending on the details of the organisation where you obtained the

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Apply in just 2 minutes and have an answer within 1-2 hours*. Once approved, funds are deposited in your account the same day*.

*Subject to responsible lending checks and lending criteria.

or Call Us on 0800 255 155

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Important Information

1. Loansmart Limited (FSP #7461, trading as Auckland Loans) holds a Full Class 2 Financial Advice Provider Licence issued by the Financial Markets Authority to provide financial advice, and is a member of Financial Services Complaints Ltd, our FSCL Number is 617.

2. It is free to complete an application. A fee to use our service is only applicable when you enter into a loan arranged by us.

3. *Rates of 9.95% are 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. We do not offer “short-term” loans, the terms offered by our providers range from 6 months to 84 months.

4. Annual Percentage Rate (APR): Also known as the ‘comparison rate’, the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees charged by providers). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs.

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