Struggling To Get Your Bad Credit Loan Nz Approved? We Have Got You

Past credit issues might be hindering your loan approvals. Therefore, Link Finance promises to resolve the problem of poor credit loans swiftly and securely, thereby helping Kiwis get the finance they deserve.

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Ways to borrow with Link Finance

Take a fresh start with Link Finance if bad credit loans are holding your approvals

Having past credit issues doesn’t mean you cannot apply for future loans. At Link Finance Limited, you can get simple, fair and personalized loans. We look at the bigger picture; your needs, your income and comfortability to repay.

Loan term

Whether you want a short term plan to clear the things quickly or a long term plan for easy repayments, we customize it according to you.

Loan purpose

Our bad credit loans nz cover all financial needs from home renovation loans to debt consolidation or emergency crisis.

Loan repayments

Adjust repayments the way that suits you whether; weekly, fortnightly, or monthly.

Loan interest rates

Interest rates are based on your individual profile usually starting from 8%.

Loan fees

We do not surprise you with hidden charges. So, you know exactly what to expect from day one.

Secured or unsecured options

Having a car or another asset already will help you get a secured loan with a cheaper rate. If you don’t have one, we also offer unsecured options.

Who can apply?

Eligibility criteria for bad credit loans NZ

At Link Finance, we understand that not everyone has a perfect credit history. That’s why we offer bad credit loans NZ designed to give you a second chance. To qualify, you’ll need to meet some essential criteria:

  • Be at least 18 years old
  • Be a New Zealand citizen, resident, or hold a valid NZ work or student visa
  • Have a valid driver’s licence (NZ Learner, Restricted, Full, or an overseas licence)
  • Earn at least $30,000 per year before tax

Meeting these basic requirements helps us assess your ability to repay responsibly. Our goal is to provide loans for bad credit that support your goals, whether you’re consolidating debt, handling an emergency, or just need a financial reset.

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Our Simple Process

How to get a car loan with bad credit

Having past credit issues will not delay your plans now. At Link Finance, you can qualify for bad credit loans even with poor credit. The requirements are pretty simple:

Apply for a loan

Fill out our digital application form, attach your recent bank statements and driver's license, submit it, and wait for it to be reviewed.

Get fast approval

Our team will assess your application thoroughly and respond to you quickly, often within the same day.

Receive your funds

Once approved, the funds will be directly deposited into your New Zealand bank account so you can streamline the process.

Use our smart loan calculator to estimate your repayments and total loan amount.

Plan Before You Apply

How Much Would You Like To Borrow?

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Loan Amount

For How Long

Estimated
Repayments From

$783

$46,965 Total

$180

Total $46,850

9.95%/p.a

Calulated At An Example Rate

Why Choose Link Finance?

Smart borrowing

Struggling with a poor credit history? At Link Finance, we offer bad credit loans NZ designed to work around your needs, not against them. Our experienced team understands that a loan isn’t just about money it’s about improving your lifestyle.

Personalised Support

We’ll help you find a solution that fits whether you need a secured or unsecured loan, our experts will tailor the best option for your situation.

Fast & hassle free

Need money quickly? We handle the hard stuff so you don’t have to. Our fast track process means you can get loans for bad credit with less stress and no unnecessary delays.

Testimonials

Customer feedbacks

Hear what our valued customers have to say about their experience with our services. We’re proud to deliver satisfaction and lasting impressions.

Excellent service from start to finish. Everything was handled smoothly and professionally. Highly recommend to everyone I know!

Gerry Kellmen

Customer

Very satisfied with the overall experience. The team was responsive, friendly, and made the entire process so simple.

Johnson

Customer

Quick, reliable, and professional service. I’m glad I chose them and would definitely use their services again.

Maxwell

Customer

Outstanding experience from beginning to end. The staff was helpful, kind, and made everything easy for me to manage.

Anderson

Customer

Superb service with great attention to detail. I felt valued and supported throughout the entire process without any hassle.

Michael

Customer

Bouncing Back from Bad Credit

Everyone hits a rough patch but that doesn’t mean your financial journey has to stall. Our bad credit loans NZ are designed for people who’ve faced credit challenges but still need access to funding.

Whether you choose a secured loan (backed by an asset like a car) or an unsecured option, lenders will assess your ability to repay. The good news? Making consistent, on time payments can help you rebuild your credit score over time.

At Link Finance, we offer practical loans for bad credit that help you move forward not dwell on the past.

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Our Rates And Fees

We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it’s a short term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.

Interest Rate Range

8% - 22.95%

Loan Limits

$2000 - $100,000

Loan Terms

1 Year - 5 Years

Frequently Asked Questions

Bad credit loans are designed for individuals with a poor or limited credit history. These loans function like regular personal loans you borrow a set amount and repay it over time with interest. Lenders look at your current income, stability, and ability to repay, rather than relying only on your credit score.

Your credit history can impact the interest rate and loan terms you're offered. A strong credit history may help secure lower rates, while bad credit often results in higher rates and stricter terms. This can make repayments more expensive, but it also gives you the opportunity to rebuild your credit by paying on time.

Yes, you can. Even with a low credit score, bad credit loans NZ providers like Link Finance offer tailored loan options. Approval depends on your income, current financial obligations, and ability to repay. Many borrowers use these loans as a way to move forward financially.

Interest rates on loans for bad credit are generally higher due to the increased risk for lenders. The rate you're offered will depend on your credit score, income, loan amount, and whether the loan is secured or unsecured. At Link Finance, we aim to match you with the most competitive rate available.

Yes. Common fees may include:

  • Establishment Fee
  • Introducer Fee
  • Ongoing Account Fees

We’ll provide a clear breakdown of all fees upfront, so there are no surprises.

Yes, depending on the lender's criteria. Many bad credit loan providers will consider income from Work and Income NZ, part-time work, or self-employment, as long as it’s regular and sufficient to meet repayments.

Not always. Some lenders offer a pre-approval process or a “soft credit check” that won’t impact your credit score. We recommend checking with your broker before submitting a full application.

Absolutely. Making regular, on-time repayments on a bad credit loan can positively impact your credit score over time, showing lenders that you're managing your finances responsibly.

Yes, both options are available:

  • Secured loans (e.g., using a car as collateral) often have lower interest rates.
  • Unsecured loans don’t require an asset but may come with higher rates.

We'll help you find the best fit based on your situation.

Most approvals are made within 1–2 working days, and funds can be transferred shortly after. Some lenders offer same-day approval, depending on your documents and financial profile.

We're on a mission.

At LinkFinance, we’re using cutting edge technology to transform the industry and deliver financial services that actually work for you.

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