Rating based on 1,435 reviews


DTR is a Registered Financial Service Provider / FSP39861

About DTR

Are you looking for a Kiwi owned credit provider that offers loans to people who have poor credit? 

We're a reliable online lender that can help you access credit quickly when you need it the most. Don’t waste time at a bank - get a quick cash loan online and get your life back on track.

Privacy and security

We will always respect your privacy and keep your online loan application private and secured. When you deal with us you are dealing with a government compliant lender that truly cares and sees you as more than just a number. Applying is simple and take just 10 minutes of your time!

What DTR can offer you

Household appliances are expensive and can really take a chunk out of your salary that makes it hard to stay afloat for the rest of the month.

If you want to buy something and don’t feel like staying broke for the rest of the month to get it - our personal cash loans are the perfect solution to your problem!

Our flexible online loans

At DTR we offer bad credit loans that range from $500 to $20,000 with loan terms of between 12 and 48 months. All of our loans are secured and you must, therefore, be able to provide security in the form of a home or vehicle. We do away with credit orientated lending and make things simpler for you.

Interest Rate

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In a Nutshell

  •  Average processing time 2 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

At DTR we use technology to get you a bed credit loan faster

Are you an NZ citizen that is earning a stable monthly income that can be demonstrated by bank statements and pay slips?

If so then you can certainly apply for a bad credit loan via our website today! We know we're not a bank and we will never act like one - no paperwork, red tape or snobby managers here!

How to apply for a bad credit cash loan with DTR

We understand that your time is valuable to you and would never want you to waste it by standing in line at a bank to apply for a loan. DTR is proud of the fact that our clients can easily apply for a bad credit loan online through our user-friendly website. Our simple online application should take you no more than 10 minutes to complete and all you will need to have with you some type of photo ID and information on your income and expenses. We like to keep things "easy".

However, if you would prefer some help to guide or take you through the application process you can easily phone us or head into your local DTR branch - if you do not know where that is, feel free to visit our website and find your nearest branch.

Our terms

We do our best to ensure that our clients don't suffer while paying back their loans, which is why a DTR loan can only be paid back over a minimum of 6 months and a maximum of 60 months.

Our rates and fees

At DTR our interest rate is between 26.75% and 34.95% depending on the individual circumstances of each loan. Additionally, there are some other fees our clients need to be aware of namely;

  • $6 monthly administration fee
  • PPSR fee $8.05
  • Loan establishment fee up to $205 (depending on loan amount)

Getting hold of us

Many of our customers have told us that they feel like getting hold of their online lenders is just as hard as getting hold of their bank and, so we've doubled our efforts to ensure that you can get hold of us whenever you need to by telephone, online chat or email.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Can you provide security
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Borrow from $500 to $20 000
  • Competitive fees
  • Flexible terms
  • Online application

Customer Reviews & Testimonials

Contact Details

 Visit Website


 Physical Address

  • 80-82 Queens Rd, Auckland, Auckland, 1072, New Zealand

 Postal Address

  • PO Box 204365, Highbrook, Manukau, 2161, New Zealand

Opening Hours

  •  Monday 09:00 – 17:30
  •  Tuesday 08:30 – 17:00
  •  Wednesday 08:30 – 17:00
  •  Thursday 08:30 – 17:00
  •  Friday 08:30 – 17:00
  •  Saturday 10:00 – 12:00
  •  Sunday Closed –