Rating based on 1,074 reviews
About Cash Relief
Although we offer loans for people with bad credit - we are every bit as much of a responsible lender as other online lenders and are registered with the relevant bodies.
We offer kiwis a credit alternative that looks past credit and considers income and repayment ability instead.
Our services and our simple process
We're a lender that is proud of our services, proud of our customer service and proud of our innovative and simple quick loan application services. Whether you need a loan to deal with a cash emergency or to pay bills - we can help you even if your credit is less than perfect.
What Cash Relief can offer you
When you are short on money and have important things to take care of it's very frustrating to be held down by a negative credit history.
At Cash Relief we can help you get a fast loan online even if you have bad credit.
Lending to people with poor credit
When you need cash fast and have poor credit it's very hard to find a lender that can offer you a decent solution. Some offer payday loans that are too small and others have extremely high rates. At Cash Relief we offer a fair rate, quick approval and can help those with a poor credit history.
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In a Nutshell
- Average processing time 2 hours
- Online application
- Unsecured loan option
- Bad credit consideration
- Early repayment
Appling for a bad credit loan is easy and its quick too!
When applying with us you don’t need to stress about your credit history because we will use only your income and expense projections to determine whether you qualify for a bad credit loan.
This means that you can get a loan from us even if you are blacklisted or have been turned down by other lenders.
Choosing your loan term and amount
If you have less disposable income, we offer you a longer loan term and if you want to save money we will offer you a shorter loan term to help you save interest. This is because we believe that we need to provide customers with the one thing they can't get anywhere else - flexible, personalized service.
Fees to consider
Like all lender companies when you apply for a loan with us there are some service costs involved and some optional additional fees depending on your loan circumstance or situation.
Some of these rates and fees include;
- 5479% interest on loans per day
- A $86 loan establishment fee, which can be discounted for loans under $400
- $6.10 monthly account administration fee
- $5 charge if applicants want Express Payment, wherein the money will reflect within their bank account within 60 minutes of successful application.
How to apply
When applying for a loan with Cash Relief your application success will be determined by your income versus your living expenses. A maximum loan amount of $600 is offered to clients, however, there are some criteria applicants need to meet before being considered for a successful loan application.
The first criteria check that applicants need to meet is having completed an online application form after that applicants need to be able to provide a photo ID and their bank account details to submit along with their application. Additionally, applicants need to be earning at least $450 per week (after taxes) to be considered for a successful application.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Earning a stable income
- Credit check
Other Products & Services
- Payday loans
- Short term loans
- Bad Credit Loans
- Loan Calculator
- Smart Choice
Customer Reviews & Testimonials
As someone with a bit of bad credit it was amazing to find a company that was actually willing to help me out, now I am able to pay off debts and move on with life.
— Wellington —
Such friendly and speedy service, really worthwhile and such good interest rates for those with some bad credit.
— Auckland —
Enjoyed the flexible terms and easy repayment structure they offered me. Will definitely recommend to others
— Christchurch —
- Shop C, 52 Mokia Road, Auckland, Auckland, 0626, New Zealand
- PO Box 34 673, Birkenhead, Auckland, 0748, New Zealand
- Monday 09:00 – 16:00
- Tuesday 09:00 – 16:00
- Wednesday 09:00 – 16:00
- Thursday 09:00 – 16:00
- Friday 09:00 – 16:00
- Saturday Closed –
- Sunday Closed –