Rating based on 1,197 reviews
About My Loan Solution
We one of New Zealand's most popular online short-term loan provider and we're constantly looking for ways to serve you better!
Whether you need a loan or just want to say hello - get in touch with us and find out how we can help you make the most of your finances in a way that ensures financial freedom and early retirement!
Our dedicated staff
With a panel of staff that are passionate, dedicated and professional - our customers are served with a smile each and every time. We put the effort in to actually listen to what you are saying and what you need and then we alter our quick loan products to meet your individual needs - it's that simple!
What My Loan Solution can offer you
When money is tight it may seem like everything that could go wrong is going wrong.
If your car has broken down or you need to change your tires and you account is empty what do you do. We can offer you a quick cash loan to help you pay for the repairs and get you back on the road.
How our loans work
We offer both secured and unsecured bad credit loans with loan terms of up to 12 months. Out interest rate ranges from 75% to 85% per annum and we can process and transfer loans in just 24 hours or less. We allow you to repay your loan earl and save with no penalty.
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In a Nutshell
- Average processing time 24 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Bad credit consideration
- Early repayment
Get a bad credit loan today! Its that easy
Do you have a bad credit history? Have you been refused a loan by you bank recently?
If so than you'll be glad to know that My Loan Solution offer bad credit loans for people just like you. We will focus on your income alone when assessing affordability - so bad credit is not a problem at all!
Loan eligibility requirements
To apply you must be 18, a NZ citizen or resident, employed full time and be able to provide proof of address, and ID and if applicable security. Once we get your completed application we will arrange a suitable short-term loan for your needs and income and have you up and running in hours.
Secured or unsecured – we have got you covered
As you explore our loan options you will discover that we offer both secured and unsecured bad credit loans. A secured loan requires the borrower to provide a form of security to secure against the loan while an unsecured loan does not need any type of collateral. The option that you choose will depend greatly on your financial situation, your borrowed amount and the loan term. However, if you are not a homeowner or do not own a vehicle, you do have the opportunity to apply for credit with an unsecured loan. We have something for everyone!
Interest is in your best interest
Just because you have obtained a loan with a higher interest rate does not mean that you are stuck in a financial whirlpool. You can easily combat high interest by ensuring that you make higher monthly repayments. By agreeing to a smaller loan period you will be able to repay the loan faster and thus incur lower amounts of total interest. Take control of your finance today and save yourself time, money and stress. At the same time you will be able to improve your credit score should you be able to meet all your repayments without any problems.
Eligibility & Requirements
- 18 years or older
- NZ resident
- Employed full-time
- Credit check
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- Unsecured Loans
- Secured Loans
- Cash Loans
- Debt Consolidation Loans
- Bad Credit Loans
Customer Reviews & Testimonials
I didn’t think that I would be able to find a way out of my financial predicament. A big thank you to My Loan Solution for being my solution!
— Willowby —
This morning I sat with handfuls of credit card bills and this afternoon I have only one single loan document. Thank you for helping me to better organise my finances.
— Haupiri —
When it comes to financing I believe that finance should be fair and that the employees need to be competent and My Loan Solution ticked off every box! Good job guys!
— Spring Creek —