Rating based on 20 reviews

Just Cash


  • Low-interest starting from 227%
  • Loans bad credit up to $1,000
  • Repayment up to 45 days

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Author Just Cash. Screenshot of Just Cash website. [Accessed May 23, 2018]

About Just Cash

Just Cash has a quick bad credit loan solution for your financial struggles.

Their online loan application process is quick and easy to use so that you can get back to the more important things in life. The loans for bad credit are charged at a low-interest rate and repayment terms can be customized to suit your circumstances.

Opening the door for those with bad credit

When you have bad credit, it can seem like all your loan applications get declined due to your low credit score and bad credit history. At Just Cash, they offer financial products specifically designed for those that have bad credit. Just Cash offers a first-rate customer service experience and they will find you the financial solution that you need.

Bad credit loans are easy to apply for

Their loans for bad credit allow you to borrow a small amount of money over a short period of time. Once you have repaid the loan the next time you apply, you will qualify for a larger amount over a longer period. The repayment period for a bad credit loan is anything from 7 to 45 days, and you will be able to borrow up to $1,000.

What Just Cash can offer you

Get your bad credit loan easily and stress-free.

When you need money, you usually need it as quickly as possible and Just Cash will get you the cash you need rapidly. At Just Cash, they make the application process hassle-free and you can simply complete the online application form and receive an outcome.

A credit check will be requested when you apply

Before you apply for a loan you should source a copy of your credit report. By knowing where you stand financially, you will be able to determine which loan option would suit you best.

Check your credit report for any errors and make sure that any settled accounts are removed from the report. If your credit score is very bad you could consider applying for a secured bad credit loan.

They understand what it’s like to need a loan

They want to provide you with a solution for your financial struggle and give you the help you need. Although everyone’s situation is different, they will do their best to get you the financial help to improve your situation. They will also give you advice and tips to improve your future loan applications.

Just Cash Product Details

  • Loan Type Loans bad credit
  • Interest Rate from 227%
  • Loan Amount up to $1,000
  • Repayment 7 days to 45 days
  • Decision 2 hours

Just Cash has a quick loan solution for all bad credit clients

Use their handy calculator to help get an idea of approximately how much you could borrow as well as how much the repayments might be.

The amount on the loan calculator is just a guide, actual amounts may go up or down a little depending on your finances. They will do the best they can, so you can have a stress-free financial life.

Follow these easy steps when you do an online application:

  1. Choose the best bad credit loan option for you and see what you can afford in terms of your credit situation and repayment.
  2. Fill in the online application with your personal details, contact details, and needed documentation.
  3. Your personal information and credit check will be processed by their friendly staff.
  4. Once your loan application has been approved, the money will be deposited into your bank account within 24 hours.

A tailored bad credit loan designed for you

A bad credit loan can be used to pay bills, help you through tough times or just give you the financial boost you need.

Get the best offer based on your profile and needs at the best possible interest rate. Deal with a company that has your best interest at heart and that will ensure that they give you a loan that you can comfortably repay. Apply for a bad credit loan NZ today and enjoy financial freedom.

Benefits when you apply for a bad credit loan

  • 100% Safe and secure online application.
  • Friendly and knowledgeable customer support.
  • The loan will be paid into your bank account within 24 hours.
  • Flexible loans tailored to your needs.
  • The application process is fast and flexible.
man holding thumbs up

Just Cash is a trusted & reliable provider of loans bad credit

In our review, Just Cash adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Just Cash is a registered credit provider in New Zealand: FSP70021

Customer Reviews & Testimonials

December 2020

After being pushed around by financial institutions and lenders I was welcomed with open arms to Just Cash. They gave me the chance that no one else was prepared to and I will be forever grateful...

Fred M
— Springfield —

February 2020

Having a poor credit record can make a person feel like a sore thumb. But the Just Cash employees made me feel at ease and comfortable. Very impressed with the level of professionalism and friend...

George M
— Russell —

August 2021

After being pushed around by financial institutions and lenders I was welcomed with open arms to Just Cash. They gave me the chance that no one else was prepared to and I will be forever grateful...

Black A
— Auckland —

July 2021

Having bad credit can make you feel financially depressed. But with a bad credit loan, they took care of all my financial issues.

Jackson R
— Napier —

February 2022

Friendly and helpful customer service. I would recommend Just cash to anyone that is in need of a bad credit loan.

Starbuck D
— Wanaka —

Just Cash Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 33-1009, Takapuna, 0740, 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