Apply for a Payday Loan

Representative example: APR 407.39%. If borrowed $1000 for 62 days, interest $692. Total amount repayable $1692. Interest rates: Maximum nominal APR of $1000: 407.39%. Rates from 278% to 1576% (3 – 12 month repayment)

What is a Guaranteed Approval Loan in NZ?

If you want a loan that has 100% approval rate in NZ, your best bet is to find a company with a high acceptance rate. While 100% acceptance isn't guaranteed (of course you can think of many reasons someone wouldn't qualify to borrow), by submitting your application with us your loan inquiry will be looked at by many credible lenders interested in providing a loan to you.

If you have bad credit loans but still would like to borrow money, you should either be employed or on benefits. Companies will be interested in lending to you if you are gainfully employed, or if you are receiving a fixed monthly payment in the form of benefits.

Following is a list of things you should keep in mind if you want a 100% guaranteed approval loan in NZ:

  • Bad credit shouldn't disqualify you.

    It is understood that if you are getting a higher-cost payday loan that has high APR interest rate and fees, that the people who apply for this type of loan typically have bad credit (or else they would have applied for a more conventional type of bank loan).

  • Guaranteed Beneficiary Loans

    If you are currently receiving benefits, which includes many types of fixed payment income, you may qualify for guaranteed loans. These payments can take many forms, including fixed payments from court settlements, government benefits, being the beneficiary of a will and many other types of periodic (weekly or monthly) income. If this describes your situation, chances of you getting a loan are higher than if you are unemployed or have no benefits. What is a payday advance for beneficiaries? It is where a person may not qualify for a loan because of their employment, but instead qualify because of their status of receiving benefits. However, there is a chance that some of our lenders will want to check your credit. It is decided on a case by case basis and depending on your personal situation.

  • 100% Approval No Credit Check Loans

    When you submit your application with us, we work with many lenders who will help try to get you the best loan possible in your situation. Some do not perform credit checks. If you are concerned that a credit check will reduce your chances, because you have bad credit, the good news is that most of our lenders are more interested in your income (either employment or receiving benefits). While 100% approval isn't guaranteed, loans NZ no credit checks are possible depending on the particular lenders who are interested in your application.

  • Unsecured Loans

    An unsecured loan is a loan which does not require collateral. You will not have to put your vehicle, or home, up as collateral to guarantee that your loan will be repaid. This is beneficial for people who do not own such things and are unable to put them up as collateral, but also understand that because the loans are not secured, they have a higher cost. The risk associated with making the loan is realised in higher APR interest rates and/or fees.

    Why do you want an unsecured loan? We submit your loan for the review of several lenders. Some companies may want to provide a credit check, others may not. If you are employed or want a loan for benefits, click the apply button and submit your application today.

Apply for a Guaranteed Loan for Bad Credit, Benefits and Unsecured Today

It is free to apply, and it only takes a few moments of your time to submit an application for a guaranteed quick decision. Payday Today has helped thousands of people in your financial situation receive quick loans. Submit your application for a poor credit loan with us today!

Representative example: APR 407.39%. If borrowed $1000 for 62 days, interest $692. Total amount repayable $1692. Interest rates: Maximum nominal APR of $1000: 407.39%. Rates from 278% to 1576% (3 – 12 month repayment)

Warning: Late repayment can cause you serious money problems. For Help and Advice with money trouble, visit http://www.familybudgeting.org.nz