Rating based on 39 reviews

Pretty Penny


  • Low-interest starting from 365%
  • Loans bad credit up to $500
  • Repayment up to 42 days

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Pretty Penny homepage

Author Pretty Penny. Screenshot of Pretty Penny website. [Accessed May 23, 2018]

About Pretty Penny

If you are looking for a simple and easy loan for bad credit, then you can apply for 100% online.

They have a range of loans for bad credit that you can access with simplicity and ease. Pay that telephone bill, fix that water leak or stock your pantry up by taking out an affordable loan with them today.

A transparent online bad credit loan lender

They're a transparent online lender who will always let you know exactly how much a bad credit loan is going to cost you before you even apply. Their loan terms are longer because they want their 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

Their rates are not the lowest that you'll find on the market since they only offer short-term cash loans for bad credit, yet they are affordable enough for most people and faster than most lenders you’ll find.

Since they're a registered lender they have an interest rate cap - something that ensures fair lending practices in the industry.

What Pretty Penny can offer you

They offer small unsecured bad credit loans that range from $50 to $500 at an annual interest rate of 365%.

With loan terms between 7 and 42 days, you can enjoy the flexibility you deserve without the need to provide any form of security to apply for a bad credit loan. With them, you can get your money on the very same day!

They cater to clients with any credit history

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 them by phone or by email at any time. Their staff is standing by to answer your questions and resolve any problems in a professional manner.

Designed 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. At Pretty Penny, you don’t have to worry about your credit history because they offer loans for bad credit that only consider your income and ability to repay.

Pretty Penny Product Details

  • Loan Type Loans bad credit
  • Interest Rate from 365%
  • Loan Amount up to $500
  • Repayment 7 days to 42 days
  • Decision 1 hour

Need a loan? We cater for clients with any credit histoy

Applying for a bad credit loan is a lot simpler now than it was before.

Pretty Penny has ensured this by streamlining its entire application process. Borrowers can now complete their application online from their smartphones, tablets or personal computer.

Step 1:

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.

Step 2:

If your bad credit 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!

Online calculators improving your finances

With the help of their 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, current, and future financial situation you will be able to determine the ideal loan for bad credit amount that you will be able to borrow and over which period you will be able to borrow it.

A lender that believes in second chances

Dealing with Pretty Penny will give you the opportunity to get a loan even when you were declined by multiple lenders due to your credit score. They work hard to offer every kiwi a fair chance to finance in a fast, reliable, and transparent manner.

Apply today and find out what you qualify for.

Benefits of a bad credit loan at Pretty Penny

  • They will look past your credit score flaws.
  • Friendly, transparent, and well-educated consultants.
  • Guidance and financial tools to help you with your situation.
  • Reasonable interest rates.
  • Tailored unsecured bad credit loans.
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Pretty Penny is a trusted & reliable provider of loans bad credit

In our review, Pretty Penny 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.

Pretty Penny is a registered credit provider in New Zealand: FSP526046

Customer Reviews & Testimonials

August 2020

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!

Lindy M
— Flaxton —

January 2020

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...

Michael S
— Walton —

August 2021

My expectations were exceeded by far. They are a very helpful bunch that gave me exactly what I needed.

Campbell L
— Nelson —

Pretty Penny Contact Details

Physical Address

Postal Address

  • PO Box 11360, Palm Beach, Papamoa, 3151, New Zealand

Opening Hours

  • not available