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Chequers Finance

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About Chequers Finance

We're a locally based lender that offers quick cash loans at affordable interest rates to all kiwis.

If you choose to use our service you will not only get a customized bad credit loan solution but you'll get it FAST. We pride ourselves in being able to process and approve loans at an incredible pace that truly satisfies our customers.

Fast, flexible and affordable solutions

Chequers Finance was established with the goal to revolutionize the short-term lending industry in New Zealand. With a user-friendly platform and some of the most experienced staff members - we 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?

Want to take the kids out for a movie at the cinema? If you need some extra cash and have no intention of waiting in a queue at the bank - get a quick loan from us.

About our flexible loans

At Chequers Finance we offer bad credit loans from $100 to $1,000 at a reasonable annual interest rate of 440%. We offer loan term 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 speed loan choose Chequers Finance.

Interest Rate

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Repayment Term

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In a Nutshell

  •  Average processing time 2 to 3 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment

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

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

We know that the last thing that you need when you're short on cash before payday is a delay and that's why we will process your loan request in under 3 hours! We understand that 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, we can still help our clients achieve their goals and unlike other lender companies we don’t require applicants to provide security for their loans, eligibility is entirely based on their income versus their expected expenses.

Understand the 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 quick loan. It is for this reason that we limit the loan term to ensure that you never have to pay too much interest.

How to apply for your loan

At Chequers Finance we offer our clients a variety of ways to apply for their loan with us. Our clients can make use of any one of our walk-in branches throughout the country or they can choose to apply using our online platform.

We have a simple 4 step online application process whereby applicants need only; fill out a complete online loan application, attach 2 types of ID, submit 3 months bank statements, 2 types of proof of address (bills or rental agreement). After documentation has been processed, applicants will receive an answer on their loan request within 2-3 hours. Once approved, applicants will need to submit signed direct deposit form from their bank as well as send through the original signed loan agreement offer, following which the loan amount will be deposited into the applicants’ bank account overnight.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Earning a stable income
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal Loans
  • Cash Loans
  • Fast Loans
  • Emergency Cash Loans 

Customer Reviews & Testimonials

Contact Details

 Visit Website Apply Directly


 Physical Address

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

 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 –