Cash Train

About Cash Train

We have a team of staff that's as passionate about innovative finance as the very people who started the company years ago.

If you feel like you're treated like just another number in the system by your bank - you're not alone. So many people feel exactly the same and Cash Train has set out on a mission to change this one fast loan at a time.

Why Online is Better

Applying for a bad credit loan online has many advantages over applying in-branch at a bank. For starters, you won't have to fill in any paperwork or wait in a long line to speak to a manager. In addition, you can complete the application and have your loan credited to your bank account in on the very same day.

What Cash Train can offer you

Our online loan application has been designed to enable customers to make their loan applications quickly and easily.

Whether it's your first or third loan - it's simply a breeze to apply with us! With Cash Train you can apply for your instant loan in just 10 minutes and have the money sent to your account on the very same day.

Bad Credit Loans you can Trust

At Cash Train you can get a personal micro-loan of between $350 and $1,500 at an AIR of 365.25% per annum. We have a loan term of 10 to 38 days and customers do not need to provide security or a guarantor to get a loan since our loans are unsecured.



In a Nutshell

  •  Loan minimum NZ$350
  •  Loan maximum NZ$1,500
  •  Interest rate 365.25% per annum
  •  Loan term minimum 10 days
  •  Loan term maximum 38 days
  •  Average processing time 2 hours
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment


Applying for a Payday Loan with Us

If you have less disposable income, we will offer you a smaller loan amount and if you want to save money and have more disposable income 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.

What you'll Need to Apply

In order to apply for a bad credit loan with us you will have to send us your bank statements, pay slips, a copy of your ID and a valid utility bill which is used to verify your address. Our loans are unsecured which means that you don’t have to be a homeowner to get one.


Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Earning a stable income
  •  Credit check
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Contact Details

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