Bad Credit Loans

If you are in need of money and you are unable to take out traditional loans due to poor or non-existing credit, consider taking out a bad credit loan from The Little Loan Shop, your local and friendly payday loan lender.

What Are Bad Credit Loans?

Bad credit loans are cash advance loans or payday advance loans that may allow you to get the cash you need regardless of your current state of credit or any credit score you have to your name.

Why Take Out a Bad Credit Loan?

Taking out a loan requires you to prove that you have a current income source and that you are also able to provide proof of the source that is stable and paid into your bank account. When you have an income, getting approved for an advance loan allows you to utilise the funds for just about anything. Whether you are looking for a small cash loan to pay emergency medical bills and other urgent household bills, using a bad credit loan may be a good way to go, especially if you are unsure of whether or not you are able to get approved from your bank who are not specialists in short term loans.

Below are some useful resources detailing bad credit loans, when or when not to take one, how to apply and more. For further information, get in touch with our helpful team on 0800 503 114.

NEW APPLICANT APPLY NOW

Credit History - how to dispute your credit report

When was the last time you looked at your full credit report? You can do this for free from all credit bureaus in New Zealand A credit report is used for many purposes — not just when applying for a loan or a credit card. It can also be used…

Bad Credit Loan Lenders - What They Do

It's not unusual to see people sliding into debt to the point where they cannot meet all their financial commitments and default on some due payments. At this point their credit rating takes a dip and to make matters worse, most traditional lenders will shy away from helping. And all this may happen through no fault of the borrower.…

How Bad Credit Loan Lenders May Come to Your Aid

Slipping into financial troubles in today's economy is no uncommon factor, and financial hardships may often translate in a bad credit history. Spending outside one's means is the most common reason why one may find oneself stuck with a poor credit rating, and yet that is never the only reason.…

Understanding Poor Credit Loans and Recovering Your Credit Score

Maintaining a good credit history is beneficial when applying for loans. However, even if you have a bad credit history, you can still have the chance to get loans and improve your credit status in the process. Poor credit loans are different from regular loans, as they're intended for borrowers…

Can a Bad Credit Rating Get Better?

No-one wants a bad credit rating. Bad credit will make life really hard for you if you're in a tight spot and need some financial help. If you have a bad credit rating, traditional lenders such as banks, will avoid you, and lenders who are willing to help might charge…

Why do people search for payday loans bad credit nz?

People are sometimes unsure what their credit rating is and believe that just missing one payment will result in a bad credit score. But the truth is different as there are many things that go into assigning a credit rating by credit bureaus. …