Rating based on 1,507 reviews
About Pretty Penny
Are you looking for a simple personal cash loan that you can apply for 100% online?
We have a range of quick credit options that you can access with simplicity and easy. Pay that telephone bill, fix that water leak or stock your pantry up by taking out an affordable loan with us today.
A transparent online lender
We're a transparent online lender who will always let you know exactly how much a bad credit cash loan is going to cost you before you even apply. Our loan terms are longer because we want our credit services to be affordable for everyone. Pick a loan term that makes your repayments super affordable and do it today.
What Pretty Penny can offer you
Our rates are not the lowest that you'll find on the market since we only offer short-term cash loans they are affordable enough for most people.
Since we're a registered lender we have an interest rate cap - something that ensures fair lending practices in the industry.
Borrowing a small amount
We offer small bad credit loans that range from $50 to $500 at an annual interest rate of 365%. We offer a loan term of between 7 and 42 days and do not require any form of security for customers to apply for a loan. With us, you can get your money on the very same day!
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In a Nutshell
- Average processing time 1 hour
- Online application
- Unsecured loan option
- Bad credit consideration
- Early repayment
Need a loan? We cater for clients with any credit histoy
Don’t know if a Pretty Penny loan is right for you?
If you need any assistance with your online loan application you can contact us by phone or by email at any time. Our staff are standing by to answer your questions and resolve any problems in a professional manner.
Loans for people with bad credit
If you have poor credit chances are that you will not be able to meet the eligibility requirements set out by most banks and mainstream lenders but, at Pretty Penny, you don’t have to worry about your credit history because we offer loans for bad credit that consider your income and ability to repay only.
Online calculators improving your finances
With the help of our nifty software, you can take control of your finances on your own. This is a great way to determine how much you will be able to afford on your monthly repayments. By assessing your past, the current and future financial situation you will be able to determine the ideal amount that you will be able to borrow and over which period you will be able to borrow it. In this way, you can determine the maximum repayments that you will be able to afford and ensure that you can repay the loan over a period that suits your own personal payment schedule.
Where do I sign up?
Applying for a loan is a lot simpler now than what it was before. We have ensured this by streamlining our entire application process. Borrowers can now complete our application online from their Smartphone, Tablet or personal computer. Whether you are on the way home, in a coffee shop or at the office you can complete the application at your earliest convenience. The entire process will only take a few minutes of your time and you will receive a response within the hour. If your loan has been approved you can have the money paid into your account on the same day depending on when you completed the application. Get the money you need now – do not wait!
Eligibility & Requirements
- 18 years or older
- NZ resident
- Earning a stable income
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
- Unsecured Loans
- Bad Credit Loans
- Quick Loans
- Fast Cash Loans
- Short term loans
- Same day loans
- Emergency cash loans
Customer Reviews & Testimonials
I am so used to sifting through financial documents with a fine tooth comb but that was not the case with Pretty Penny! Thank you for being such a straightforward lender!
— Flaxton —
After being contacted by one of the Pretty Penny employees I was surprised by the professionalism and expertise! Everything was dealt with swiftly and accurately. Pretty Penny is definitely on my recommendation list!
— Walton —