Pretty Penny

Pretty Penny is a Registered Financial Service Provider / FSP526046

About Pretty Penny

Are you looking for a simple personal cash loan that you can apply for 100% online?

We have a range of quick credit options that you can access with simplicity and easy. Pay that telephone bill, fix that water leak or stock your pantry up by taking out an affordable loan with us today.

A Transparent Online Lender

We're a transparent online lender who will always let you know exactly how much a bad credit cash loan is going to cost you before you even apply. Our loan terms are longer because we want our credit services to be affordable for everyone. Pick a loan term that makes your repayments super affordable and do it today.

What Pretty Penny can offer you

Our rates are not the lowest that you'll find on the market since we only offer short-term cash loans they are affordable enough for most people.

Since we're a registered lender we have an interest rate cap - something that ensures fair lending practices in the industry.

Borrowing a Small Amount

We offer small bad credit loans that range from $50 to $500 at an annual interest rate of 365%. We offer loan term of between 7 and 42 days and do not require any form of security for customers to apply for a loan. With us you can get your money on the very same day!

In a Nutshell

  •  Loan minimum NZ$50
  •  Loan maximum NZ$500
  •  Interest rate 365% per annum
  •  Loan term minimum 7 days
  •  Loan term maximum 42 days
  •  Average processing time 1 hour
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment

Getting a Payday Loan with Pretty Penny

Don’t know if a Pretty Penny loan is right for you?

If you need any assistance with your online loan application you can contact us by phone or by email at any time. Our staff are standing by to answer your questions and resolve any problems in a professional manner.

Loans for People with Bad Credit

If you have poor credit chances are that you will not be able to meet the eligibility requirements set out by most banks and mainstream lenders but, at Pretty Penny you don’t have to worry about your credit history because we offer loans for bad credit that consider your income and ability to repay only.

Eligibility & Requirements

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

Other Products & Services


  • Unsecured Loans
  • Bad Credit Loans
  • Quick Loans
  • Fast Cash Loans
  • Short term loans
  • Same day loans
  • Emergency cash loans

Contact Details

 Visit Website Apply Directly


 Postal Address

  • PO Box 11360, Palm Beach, Papamoa, 3151, New Zealand