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Bad Credit history?

Bad credit is not the end of the world. We get it, bad credit can happen to anyone. Superloans have a range of loans to suit with our Express Loan, Pawn Loan or if you're new to Superloans it's a Free Loan

How much can you borrow?

Use our calculator as a guide to see how much you can borrow and what your repayments will be.

Is this your first loan with Superloans?
First time customers pay no interest or regular fees

How often are you paid?


You must earn at least $400 a week to qualify for this promotion.

Representative Express Loan example
$12,000 loan, 29.9% AIR, $96 establishment fee, $18 monthly admin fee, $1 direct debit fee per payment, 78 weekly payments of $199.50, total repaid is $15.561.00 The APR of this loan is 35.8%


Buck is thinking


Check out our FAQs for the answers. 

Common FAQs

Can I apply if I live outside the Wellington or Hawkes Bay area?

No sorry. At the moment, we can only process loans for customers in the Wellington, Kapiti, Wairarapa, Napier, Hastings, Wairoa, and Central Hawkes Bay regions. 

Do you loan to beneficiaries?

We sure do. Everyone is treated the same at Superloans.

Can I get a loan with bad credit?

Yes you can! A lot of our customers had a bad credit score to start with. We look at your current ability to repay a loan, not what happened in the past and we repair your credit score with Superscore

Can I top up my Express Loan?

You sure can. The My Superloans App tells you when a top-up is available and how much you can walk out with if approved.

How much can I borrow?

The amount you can borrow depends on a number of factors. However, most new customers take advantage of our Free Loan up to $500. Check our Calculator to see how much cash you could walk out with.

I've paid back my loan. Can I get another one?

You sure can, and since you're an existing customer, your details are retained in our system, making the process even easier. Just pop into a branch to get your next loan sorted.

I'm self-employed. Can I get a loan?

A Pawn Loan is perfect if you are self-employed. However, you may be approved for an Express Loan if you get a regular income, and meet the other criteria. Apply for a Free Loan to see if you qualify.

Do I need to bring ID each time I get a loan?

No, you don't. Once you've been approved as a Superloans customer and taken your first loan, all of your details are stored in our system. 

How old do I need to be?

You must be 18 or over to obtain an Express or Pawn Loan

Can I have more than one loan at a time?

For an Express loan, the short answer is, it depends on the situation. You are welcome to apply and the credit team will discuss your options. 

There is no limit on Pawn Loans, so if you aren't able to get a second Express Loan, you are welcome to get a Pawn Loan as well.

Free Loan FAQs

How much can I borrow?

For your first, free loan, you can borrow up to $500.

The amount you can borrow will be dependent on your income. Check our calculator to see how much cash you could walk out with.

If you need more than $500, you will need to apply for an Express Loan (Express Loans over $500 do not qualify for the first loan free offer), or you could pawn an item of high value. 

Do you do credit checks?

A credit check is part of our application process, combined with other checks we complete using our own Responsible Lending Guidelines. However, we also take into account your current circumstances, not just your credit rating. Check out our Bad Credit loan page if you're concerned about your credit rating. 

Can I repay my Free Loan early?

You sure can, and you won't be charged any penalty or fees for doing that. We encourage our customers to pay back their loans as fast as they can!

What happens if I miss a payment?

On the first dishonoured payment, we'll send you a text message alerting you to a missed payment. If you contact us immediately and make a manual payment, you won't incur any default fees.

If you don't reply to the text message, we'll continue to try to contact you by text message, phone, and email.

  • Day 1 – 2: Send you a text message alerting you to a missed payment asking you to contact us.
  • Day 3 – 4: Also attempt to contact you by phone and email.
  • Day 5: We'll extend your loan agreement for an additional pay period.

If we extend your loan term, you'll need to pay the interest for the additional pay period/s. Have a look at our Costs page to understand the fees, interest and charges for an extension and the dishonoured payment fee.

What happens if I stop payment of my free loan?

Our staff will attempt to contact you to discuss your situation and try to assist you in any way possible.

  • Week 1: Attempt to contact you by email, phone, and text.
  • Week 2: Attempt to contact you through your alternative contacts and work (if applicable).
  • Week 3: Field officer visit - sent to your home or place of work.
  • Week 4 onwards: Continue to attempt contact until the loan reaches 'under collection' status. This occurs when the interest and fees are equal to the original loan value. Once the loan is placed under collection, the debt is listed with a external debt collection agency.

Express Loan FAQs

Do I qualify?

If you can answer yes to all of these questions, then chances are you qualify.

  • Do you earn at least $400 per week after tax? From salary, wages or benefit (can be combined)
  • Do you live in the Wellington or Hawkes Bay regions?
  • Is your income (salary, wages or benefit) direct credited into your account?
  • Do you have internet banking (if you don't it only takes 5 minutes to organise simply phone your bank or call into your nearest branch)?
  • Have you got a photo ID — your driver’s licence, passport, an 18+ card with a birth certificate, or firearms licence?
  • If employed, have you been with your employer for more than 30 days?
  • Can you give us proof of address — From your bank or a government department. Eg. WINZ, Housing NZ, LTNZ?
  • Can you supply a phone number for yourself and an alternative phone number for someone not living with you — a partner, family member, or friend?


Can I get a loan if I have bad credit?

If you have had issues with your credit in the past, you may still be approved for a loan. We look at your current ability to repay a loan, not what happened in the past.

Do you do a credit check?

Yes. As part of our responsible lending policy, we check the credit history on all new applications. However, we won't decline your application just because of a poor credit score. We discuss any defaults or collections with you first and make our decision based on our discussion, not just your score.

Does the loan have any hidden fees?

We make our fees and rates as transparent as possible. When you take a loan with us, all fees are clearly described in the loan document, and we'll discuss these with you when you're going through the application process. If you'd like more information on our fees, check out our costs page.

How do I repay the loan?

All loan repayments are made by direct debit from your bank account, aligned with your payday. We will work through this with you during the application process.

Can I top up my loan?

You sure can. The My Superloans App tells you when a top-up is available and how much you can walk out with if approved.

Can I repay my loan early?

We encourage our customers to repay their loans early, so you definitely can. There is just a $19 early repayment fee and you only pay the interest up to the date of the repayment.

Can my partner apply for a loan as well?

Your partner would also need to meet our criteria, but as long as they do, they're welcome to apply.

Which benefits do you accept as income?

We can do loans for people on the following benefits:

  • Orphan's Benefit
  • Sole Parent Support
  • Supported Living Payment
  • Unsupported Child's Benefit
  • Working for Families
  • NZ Superannuation

I can't afford the repayment, what can I do?

If you think you're unable to make your repayment, you need to get in touch with us as soon as possible. We have different options to help you, depending on your situation.

What happens if I miss a payment?

We will attempt to contact you over two days following the default. If by the third day we have been unable to reach you, or the payment has not been rectified, you will be charged a default fee.

Pawn Loans FAQs

What can I bring in for a pawn loan?

We accept all sorts of things. Check out the most common items here.

What if I have bad credit?

No worries! Since a pawn loan is made against an item of value that you own that we hold until repayment, we aren't concerned with your credit rating.

What's the maximum I can borrow?

It all depends on the condition, age and resale value of the item you're bringing in to pawn.

Can I have more than one Pawn Loan?

There's no limit to the number of pawn loans you can have at any one time.

Can I pay my Pawn Loan off?

You can, but you can only put a part payment towards the interest portion of the loan, the principal amount needs to be paid in a lump sum.

When I've repaid my Pawn Loan, can I come back for another Pawn Loan?

Absolutely. You can bring an item in for a pawn loan at any time. If you bring back an item you've pawned previously, the loan will only take a few minutes.

Will my item be sold if I don’t repay my loan?

Yes, but this is the last resort. We'll contact you three times over a 3-month period and, but if we don't hear back from you, we’ll auction the item to recover our costs.

Are my goods safe while held in your branches?

Absolutely. We take good care of your items, and we take security seriously. Your goods are safe here.

Can I bring in more than one item?

Absolutely. That's a good option as it gives you and us more flexibility over loan amounts as one item may be a higher value than the others, or, we can do multiple loans for you at once.

What happens if I can't pay to redeem my item but still want to get it back?

No problem. You can extend the contract for a month by paying the interest for that month by simply jumping on the My Superloans app, and following the instructions or come into the store and one of our staff will help you out.

I want to Pawn my car, what do I need to know?

Most importantly, your vehicle must have no finance owing on it. 

It also must be:

  • in your name,
  • 12 years old or less (classics excluded),
  • insured, and
  • registered and warranted.

What can I do to make the loan process faster?

To help speed up the process. If you have any of the items below bring them along with you:

  • ­Valuation documents.
  • Receipts for the item/s.
  • Insurance documents.

Ready to apply?

Build a Superscore

Superscore is our in-house credit scoring system that helps you to build your credit inside and outside of Superloans.

How does it work?

Each time you make a repayment toward your Express Loan, you’ll get Superscore points. Over time, your Superscore increases, giving you access to larger loans at lower interest rates. Best of all though, each Express Loan repayment you make will help you repair your bad credit history.

Repair your credit rating

Every two weeks, we send positive credit reporting to Centrix (they hold credit rating information for you), showing that you’re making repayments and proving you’re meeting our credit terms.

This means when you’re making repayments on your Express Loan with us, you’re not only improving your Superscore, but you’re also repairing your credit rating, making it easier for you to eventually use credit services from other places.

See what our customers have to say

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