Bad Credit Loans

Having bad credit doesn’t mean you can no longer take out the loan you need. 
We understand life’s uncertainties and we all experienced some difficulties in the past.  We will try to get you the loan you need despite having bad credit
Why Finance with Us

Get an Bad Credit Loan easily anywhere you are in NZ

Bad credit may not be looked upon in a positive light, but each lender have different ways of looking at your defaults. Some lenders will look beyond your past difficulties based on the nature of your adverse credit and your overall credit profile. Here at CAPLoans, we'll manage everything for you

Step 1: Apply

Complete the online application form and send us your supporting documents

Step 2: Approval

Receive an offer or talk to us for additional information

Step 3: Manage Credit

Sign finance agreement and get your bad credit managed


Get a pre-approved financial service fast and live a happy life!

“Thank you so much for approving my loan, the loan process was so simple and quick. Will highly recommend you guys service. Thanks once again.”

Shazia S


“Great service and awesome communication, was always notified on what needed to be done and was surprised that my loan was approved before the weekend. Thanks so much guys you made our Christmas an awesome one. 10/10”

Paisu S

Lower Hutt

“Jim at CARS AND PERSONAL LOANS NZ has been very helpful and patient with me in walking me through the whole application process! I’m so satisfied with the service I received. I will definitely recommend your service to others.”

Stuart F

Business Loans Approved
Car Loans Approved
Personal Loans Approved
Now is the time

Make your life easy
Get your Bad Credit Loan Today!