Rating based on 29 reviews

Simple Cash


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

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Author Simple Cash. Screenshot of Simple Cash website. [Accessed November 12, 2020]

Simple Cash - Speedy cash loans

Since the year 2005, we have been servicing clients around the globe.

Simple Cash is a trusted company that assists you in obtaining funds when you need them! We are a registered financial provider and abide by all the rules and regulations that the financial industry requires. Simple Cash forms part of the Ferratum Group and we continually strive for excellence where customer service is concerned. We pride ourselves in the speedy and efficient service with which we deliver all our products and services. Our loans range from quick payday loans to loans with bad credit and more.

We are dedicated to excellence

If you’re after excellence, you’ve come to the right place! Our dedicated team of staff promise to deliver the best experience possible with every loan application. With Ferratum offering all its services electronically, you always have access to online submissions and queries no matter what the circumstance of your loan requirement is. We won’t even charge you!  

Same-day loan pay-outs

Not only will you have access to a quick loan online, you’ll also have a response immediately, and even have funds in your account in a quick turnaround time of 4 minutes!  Applying for a loan through us is painless and with 1.5 million clients, who are we to try and convince you, go and read the testimonies online for yourself!

$300 loans for first time clients

Are you a first-time customer with Simple Cash? Then it’s your lucky day, because your first loan with us is completely interest and charge free.

That means that even though you may have bad credit, we’re not going to add any more bad credit. You have nothing to lose and this free loan is available to all first-time clients lending up to $300 over a 30-day period. All you need to afford is the exact amount you borrowed.

Bad credit clients

Having bad credit can set us back quite substantially. But with Simple Cash, we understand that paying the bills and putting food on the table can’t be sacrificed when you are faced with an unforeseen expense. Without a savings account or plan for the these such times, Simple Cash will help improve your finances so that you can settle the financial problem and continue with life as you should. Bad credit doesn’t’ have to set you back any further when you apply for a loan with us.

No credit checks

With our wide range of financial products, there is something for everyone, even those with bad credit. We determine your affordability of the loan and don’t do any thorough credit score checks that could impact your chance to get a loan.

Simple 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

You have a problem – Simple Cash has the answer

Bad credit loans are near impossible to obtain.

When lenders don’t feel comfortable offering loans to those with bad credit, the one thing that they might entertain is a loan with security attached. These loans might also come with fairly strict terms compared to traditional loans.

The Simple Cash different is that you can apply for a bad credit loan with us and we will treat you just the same as we treat our customers. We feel that everyone deserves an equal opportunity to access funds when they’re in a difficult financial position.

Simple Cash makes your life simpler by overlooking the past

Having to borrow money isn’t always an easy thing to accept, but that doesn’t mean that we can’t make the process of loan application simple. Through the use of modern technology, VeriSign is at your fingertips to assist with the signing of documents on our website. That means there is no longer a need to print out the contract, and even better, everything can be done on your smartphone or smart device.

Another fantastic thing about VeriSign is that it allows Simple Cash to verify your banking details and upload your bank statement. Through this secure system, your information remains safe and confidential and allows for a smooth and fast application process.

The Ferratum group has an offering where those with bad credit no longer have felt left out in the cold when they’re in need of a cash loan. Our products offer fast and simple experiences from start to finish.

Simply follow these easy steps and you’ll have loan approval in no time

  1. Save time and apply online. It doesn’t matter where you are or what you’re doing, you have around the clock service ready and waiting for you online. Simply upload your documents and details for a loan application, which takes just minutes to complete.
  2. We process applications in minutes! With no credit checks required, you can expect a response within a few minutes. Applications are free and completely paperless.
  3. Funds straight to your account. If approved, your money will be transferred into your account within 24 hours. People with bad credit can apply for a loan and get the cash on the same day.
  4. No judgement here - spend it however you choose. All existing customers of Simple Cash can borrow up to $5,000 and first-time clients can borrow up to $1,900.
  5. Repaying your loan. This is seamless in that we set up a direct debit order, that aligns with your salary dates. Payment terms are anything between 30 days and 6 months.
  6. Loyalty earns you rewards. Keen to re-apply for a loan? If you’ve already had a loan with us, you are considered a customer, which affords you the opportunity to borrow more money. It’s even quicker thanks to your unique customer pin! We approve bad credit loans in the quickest time possible.
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Simple Cash is a trusted & reliable provider of loans bad credit

In our review, Simple 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.

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

Customer Reviews & Testimonials

January 2019

So often a lender can leave you feeling uncomfortable with the service and product that you are receiving. At Simple Cash, everything was a lot simpler which is why I will definitely be going bac...

Vicky B
— Patea —

February 2019

While going through the loan documentation the lovely lady who was helping me establish my loan went through every minor detail in order to ensure I understood each implication of the loan for wh...

William P
— Lauriston —

April 2019

Not only does Simple Cash provide the customer with the opportunity to ensure that their loan is as flexible as what they would like it to be, but they also allowed me to repay my loan amount ear...

Nicholas S
— Uruti —

Simple 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