Do you have a bad credit history?

Do you have no credit history? (For example, young people haven’t had the time to establish a credit record.)

Do you need emergency funding (for a car repair or medical expenses, for example)?

Do you need to move ahead without your credit history holding you back?

Do you want to deal with people who understand you and don’t judge you?

Our fast No Credit Loan is designed for you.

How we Can Help You

Take a moment to consider your options.

We understand what creates a bad credit history and we’ll work hard to design a loan that suits your needs.

You can use your loan for almost any purpose: car repairs, medical expenses, bills–and more.

We offer short term loans with a qualifying process that won’t affect your credit history.

None of the following will disqualify you from funding:

  • Your past credit history, even if it includes bankruptcy
  • A high balance due on your credit accounts or personal loans
  • Bank repossessions.

You deserve a second chance. Everyone does.

A small default should not ruin your entire credit record.

To apply for a No Credit Loan, all we need is your personal details and a bank statement.

Once approved, you may be able to get the funds you need on the same day.

Because it’s hard for you to get a loan from a bank or other financial institution, a No Credit Loan from us can also help improve your credit profile.

Getting a No Credit Loan

We’re more understanding than banks.

We welcome customers with a bad credit history.

Our loans can help improve your credit record.

To complete our simple online application form, click Apply.

To talk with someone who understands your needs, ring 0800 835 356

The sooner you contact us, the sooner we can help you.

What we Need

To process and approve your loan we need:

  • Your personal details
  • A bank statement

Gathering this information can be time consuming for you so we use safe, secure technology to help you.

We’ll access your information only with your permission and with our highest security.

Over time, we’ll learn to trust each other and you’ll improve your credit history.

And that means you’ll be able to borrow more money when you need it.

Repaying your Loan

We set things up so you can make repayments in step with your pay cycle.

We’ll match repayments with your capacity to repay.

We’ll send you a repayment reminder before and on Payday.

On Payday we’ll set up direct debits to your account.

If you think you can’t make a repayment on Payday, contact our Support Team.

Our job is to help you in advance to make your repayments predictable and painless.

If a repayment is late, you may need to pay additional fees but we tell you about this upfront.

Remember: You can apply for another loan as soon as you pay off your current loan.

After we’ve helped you once, applying for another loan is fast and easy because your information is already on file. Just re-apply online or call us..

Over time, we’ll learn to trust each other and you’ll improve your credit history.

And that means you’ll be able to borrow more money when you need it.

More about No Credit Loans

You can find yourself without a substantial credit history for all sorts of reasons:

  • No need to borrow money–until now
  • Paying with cash instead of credit
  • Creditors who don’t report financial history
  • Accounts that have been inactive for a long time

Whatever the reason, no credit history–or a bad credit history–can make it much harder to get a loan.

Our advice is–don’t take the first loan available to you.

Take a moment to consider your options.

Taking out a loan is a serious commitment. Your financial needs are unique, so avoid a loan that might not work for you.

Take a moment to compare different lenders.


  • Loan amounts
  • Rates and terms for the loans
  • Repayment schedules available.

After comparing different lenders, we’re sure you’ll choose us.

We’ll help you create the right loan to suit your needs.

We can do this because we accept applications from people with no credit history or a bad credit history.

We’re prepared to work hard to understand your situation.

We understand that people’s needs are different and require different loans.

Our repayment options are designed to suit different situations.

We help you create a plan that matches your needs and your schedule.


Here are our fees:

  • $24 Account set up fee (first Time clients only)
  • $64 Establishment fee
  • 1% interest charged daily on balance outstanding
  • Optional – Same day deposit fee $12
  • Change of Payment fee $10

If you miss a scheduled payment by direct debit we need to charge you a $13 direct debit dishonour fee, unless you’ve made a prior arrangement with us.

If you contact us to make an alternative arrangement, there is a $10 Change of payment fee

If you miss a payment we will try and contact you by phone, text and email.

Note: We don’t charge a default interest rate.

If your account remains in arrears after 60 days, we may refer you to an external debt collect and as a result you may incur additional fees.

To complete our simple online application form, click Apply.

If you don’t want to apply online, please call us on 0800 835 356 to speak to one of our friendly staff.

The sooner you contact us, the sooner we can help you.