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Cash Relief

Cash Relief is a Registered Financial Service Provider / FSP293866

screenshot of Cash Relief homepage

About Cash Relief

Although we offer loans for people with bad credit - we are every bit as much of a responsible lender as other online lenders and are registered with the relevant bodies.

We offer kiwis a credit alternative that looks past credit and considers income and repayment ability instead.

Our services and our simple process

We're a lender that is proud of our services, proud of our customer service and proud of our innovative and simple quick loan application services. Whether you need a loan to deal with a cash emergency or to pay bills - we can help you even if your credit is less than perfect.

What Cash Relief can offer you

When you are short on money and have important things to take care of it's very frustrating to be held down by a negative credit history.

At Cash Relief we can help you get a fast loan online even if you have bad credit.

Lending to people with poor credit

When you need cash fast and have poor credit it's very hard to find a lender that can offer you a decent solution. Some offer payday loans that are too small and others have extremely high rates. At Cash Relief we offer a fair rate, quick approval and can help those with a poor credit history.

Interest Rate

From 0 %

Loan Amount



Repayment Term

0 days

0 months

In a Nutshell

  •  Average processing time 2 hours
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment

Appling for a bad credit loan is easy and its quick too!

When applying with us you don’t need to stress about your credit history because we will use only your income and expense projections to determine whether you qualify for a bad credit loan.

This means that you can get a loan from us even if you are blacklisted or have been turned down by other lenders.

Choosing your loan term and amount

If you have less disposable income, we offer you a longer loan term and if you want to save money we will offer you a shorter loan term to help you save interest. This is because we believe that we need to provide customers with the one thing they can't get anywhere else - flexible, personalized service.

Fees to consider

Like all lender companies when you apply for a loan with us there are some service costs involved and some optional additional fees depending on your loan circumstance or situation.

Some of these rates and fees include;

  • 5479% interest on loans per day
  • A $86 loan establishment fee, which can be discounted for loans under $400
  • $6.10 monthly account administration fee
  • $5 charge if applicants want Express Payment, wherein the money will reflect within their bank account within 60 minutes of successful application.

How to apply

When applying for a loan with Cash Relief your application success will be determined by your income versus your living expenses. A maximum loan amount of $600 is offered to clients, however, there are some criteria applicants need to meet before being considered for a successful loan application.

The first criteria check that applicants need to meet is having completed an online application form after that applicants need to be able to provide a photo ID and their bank account details to submit along with their application. Additionally, applicants need to be earning at least $450 per week (after taxes) to be considered for a successful application.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Earning a stable income
  •  Credit check

Other Products & Services

  • Payday loans
  • Short term loans
  • Bad Credit Loans
  • Loan Calculator
  • Smart Choice

Customer Reviews & Testimonials

Contact Details

 Visit Website Apply Directly


 Physical Address

  • Shop C, 52 Mokia Road, Auckland, Auckland, 0626, New Zealand

 Postal Address

  • PO Box 34 673, Birkenhead, Auckland, 0748, New Zealand

Opening Hours

  •  Monday 09:00 – 16:00
  •  Tuesday 09:00 – 16:00
  •  Wednesday 09:00 – 16:00
  •  Thursday 09:00 – 16:00
  •  Friday 09:00 – 16:00
  •  Saturday Closed –
  •  Sunday Closed –