Bad Credit history - no problems!
We know that things can come up from time to time, so for whatever reason, if you think you can’t make a repayment on payday then contact us to help work out a solution.
Once you've paid back your loan we complete a positive credit reporting and this helps to improve your overall credit score. Win-win!
We make it easy to apply for a cash loan. Work through our simple seven steps below to get started.
If you can answer YES to all the questions below, we're ready to go!
Do you earn at least $300 income per week from salary, wages, and benefits after tax?
Is your income direct credited into your account?
Can you supply a phone number for yourself and alternative phone numbers for people not living with you? Like a family member, a partner, or friends.
Have you got proof of your address? For example, a letter addressed to you from your bank or a government department like WINZ, Housing NZ, or NZ Transport Agency.
Do you have internet banking? If you don't currently have this, we can work with you to set it up.
Have you got photo ID, like your driver's licence, passport, 18+ card with a birth certificate, or firearms licence?
If you've been employed more than 90 days, have you got your last two payslips?
Ok, that was easy, where to from here?
Many of our customers have had poor credit score and come to us seeking payday loans. Our awesome team work through the real issues to get results for our customers. Plus, with every loan you pay off with us, we can help you turn your credit rating around!
You can also use one of our kiosks to print the last 90 days of your bank statements. This will give us all we need to complete our loan evaluation.
Then we're down to the details!
Once we approve your loan, we discuss how much you can borrow and the length of the loan. We’ll work with you so repayments are in step with your pay and match your capacity to repay. We will help you to make your repayments predictable and pain free.
Then we draw up a loan agreement with a direct debit authority. Our team will talk you through the agreement, explaining everything in plain english. If you're happy to go ahead, we both sign the agreement.
Build a Super Score!
Every time you make a payment on time, you get points added to your Superloans Super Score!
As your Super Score grows, you can start to unlock benefits like increased credit limits and lower interest rates on future loans. Find out more here!
At Superloans, we understand that sometimes all we need is a helping hand to learn how to manage our money a bit better. We are committed to helping people on that journey. Please have a chat with our team about their best tips for budgeting - they have some fantastic experience and they all really enjoy helping our clients. Also, check out the handy resources on our Budget Advice page.
If you're interested in knowing what your credit rating is, it's free to find out. Visit www.centrix.co.nz.
Choose a loan that suits you
We have Express Loan and Pawn Loan options to suit you and your situation.