Rating based on 11 reviews

Chequers Finance


  • Low-interest starting from 440%
  • Loans bad credit up to $1,000
  • Repayment up to 12 months

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Author Chequers Finance. Screenshot of Chequers Finance website. [Accessed May 23, 2018]

About Chequers Finance

They’re a locally-based lender that offers quick cash loans for bad credit at affordable interest rates to all kiwis.

If you choose to use their service you will not only get a customized bad credit loan solution but you'll get it fast! They pride themselves on being able to process and approve loans at an incredible pace that truly satisfies their customers.

Fast and affordable bad credit loan solutions

Chequers Finance was established with the goal to revolutionize the short-term loans industry in New Zealand. With a user-friendly platform and some of the most experienced staff members - they offer you fast, flexible and affordable solutions to your most pressing cash needs.

What Chequers Finance can offer you

Need to pay your child's school fees? Do you want to buy a new phone? Need some extra travel money for a weekend away? But your credit score is too bad for a traditional loan. Chequers has the ideal loan for bad credit for you.

If you need some extra cash and have no intention of waiting in a queue at the bank - get a quick loan for bad credit from them.


What Chequers Finance can offer you

At Chequers Finance they offer bad credit loans from $100 to $1,000 at a reasonable annual interest rate of 440%.

They offer loan terms of 1 to 4 weeks and can approve loan applications and credit loans in just 2 to 3 hours - if you want a flexible and speedy loan, choose Chequers Finance.

Turn your bad situation into a good one

If you have a bad credit history - they welcome you to apply for a loan with them as they evaluate the application based solely on income and expenses.

They know that the last thing that you need when you're short on cash before your payday is a delay and that's why they will process your loan request in under 3 hours.

Bad credit keeps you from securing finance

Having a bad credit history can put a damper on your finances and ability to get credit or be approved for loans, which is why at Chequers Finance, they can still help you to achieve your goals with their carefully designed bad credit loans.

Unlike other lender companies they don’t require applicants to provide security for their loans, eligibility is entirely based on their income versus their expected expenses. Get an affordable bad credit loan from Chequers Finance today for instant relief.

Chequers Finance Product Details

  • Loan Type Loans bad credit
  • Interest Rate from 440%
  • Loan Amount up to $1,000
  • Repayment 4 weeks to 12 months
  • Decision 2 to 3 hours

Get a loan with us and turn a bad situation into a good one!

At Chequers Finance they offer you a variety of ways to apply for your bad credit loan.

You can make use of any one of their walk-in branches throughout the country or you can choose to apply using their online platform.

Simple 4-step online application process:

Step 1:

Fill out and complete an online bad credit loan application, attach 2 types of ID, submit 3 months’ bank statements, 2 types of proof of address (bills or rental agreement).

Step 2:

After your documentation has been processed, you will receive an answer to your loan request within 2-3 hours.

Step 3:

Once approved, you will need to submit, sign a direct deposit form from your bank as well as send through the original signed loan agreement offer, following which the loan amount will be deposited into your bank account overnight.

A bad credit loan provider that goes the extra mile

Whether you have a great, medium, or very bad credit score, you can count on Chequers Finance to assist you instantly. They are dedicated to providing people with bad credit with second chances and granting them the opportunity to not only improve their credit score but also solve their immediate cash problems. No need for you to be left behind due to your bad credit score, get your bad credit loan NZ today.

Benefits of securing a loan with Chequers Finance

  • Low repayments
  • Reasonable terms
  • Swift payouts
  • Approval in under 3 hours

Understanding loan terms

The longer the loan term the smaller your monthly expenses will be, however, the more interest you'll end up paying on your loan for bad credit. It is for this reason that they limit the loan term to ensure that you never have to pay too much interest.

Customer Reviews & Testimonials

September 2020

Really convenient that I can either come in store or apply online for my loan and still get friendly service regardless of where I apply from

Olivia H
— Hamilton —

February 2020

Top notch and speedy service. Great to have the money in my account so fast!

Henry C
— Auckland —

February 2020

Think it's great that my info stays on their system so when I needed to reapply for another loan, it only took a few minutes to hear that I was approved. The money came in the next day. Thanks a ...

John S
— Wellington —

October 2021

They really went the extra mile to get me the instant cash I so desperately needed.

Scott R
— Wellington —

September 2021

Second-to-none customer service. I love this company.

Thomas B
— Nelson —

September 2021

I got a perfect loan from them at a very affordable rate while enjoying impeccable service.

Hall E
— Rotorua —

Chequers Finance Contact Details

Contact Number



Physical Address

  • Caro House 137, Alexandra Street Hamilton Waikato 3204 New Zealand
  • Get Directions

Postal Address

  • PO Box 19140, Hamilton, 3204, New Zealand

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed