People with bad credit can now get loans in New Zealand: money deposited directly into your bank account on the same day

Swoosh all go through difficult financial times in Swoosh lives that can lead to a bad credit rating. Even if your situation improves, a low credit rating can still haunt you. Luckily, you still have options for loans. Look no further than Swoosh Finance! Swoosh Finance's secured bad credit loans are designed to help as many people as possible, including those with bad credit. You can apply for a direct loan of up to $5,000 from Swoosh today!

Where to get bad credit loans

Swoosh Finance offers online bad credit loans to all eligible New Zealanders. So no matter where you are, there is always a fast cash loan option near you. Simply apply online and your application will be completed in minutes.

How to get a loan with bad credit in New Zealand

Swoosh fast approval process is 100% online. Just follow these three simple steps and you’ll have cash in your bank account instantly:

Complete Swoosh online loan application in just minutes.

Swoosh’ll review your bad credit loan instantly.

Sign your contract electronically and get your money directly into your bank account the same day!

For contracts returned at or after 4pm (NZST), funds will be transferred overnight.

Rates and Fees

Online cash loan amount: $2000 to $5000

Application fee: $0

Standard establishment fee: $300

Account maintenance fee: $10 per month

Other fees: $25.30 (included in the loan)

Annual interest rate: 48%

Term length: 12 months

Flexible repayment method: weekly, fortnightly or monthly (depending on your payday)

Loan type: Secured (for vehicle)

Swoosh Finance is committed to providing simple, convenient financing. That's why Swoosh make Swoosh rates and fees public. You know exactly what you're dealing with before you make any decisions.

Interest is calculated daily on the outstanding balance and is charged to your account monthly. Swoosh small bad credit loans have a fixed rate, so you know exactly how much you'll pay over the life of your loan.

If a scheduled payment is not paid, Swoosh may charge a $40.00 debit rejection fee. No interest is charged on this fee, but you will still be charged the normal interest charges stated.

Apply for a simple bad credit loan online

Get a fast cash loan with Swoosh today! Swoosh guarantee bad and bad credit loan approval for New Zealanders who meet Swoosh eligibility and lending criteria.

If you need cash quickly but have bad credit, getting approved can be tricky - especially with the big banks. That's why Swoosh look at your "current" financial situation, assessing everyone individually. We want you to get the help you need, so we don't just look at your credit history.