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

Get cash today without the hassle.

Since the year 2005, they have been servicing clients around the globe, providing them with all kinds of loans for bad credit.

Simple Cash is a trusted company that assists you in obtaining funds when you need them, even if your credit score is not perfect! They 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 they continually strive for excellence where customer service is concerned. They pride themselves on the speedy and efficient service with which they deliver all their products and services. With them, you can access personal loans, payday, short-term, bad credit loans, and more.

Simple Cash is dedicated to excellence

If you’re after excellence, you’ve come to the right place! Their dedicated team of staff promises to deliver the best experience possible with every loan application.

With all their services being offered electronically, you will always have access to online submissions and queries no matter what the circumstance of your loan requirement is. They won’t even charge you! 

Same-day bad credit loan pay-outs

Not only will you have access to a variety of loans for bad credit online, but 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 from them is painless, that’s why they have over 1.5 million happy clients.

The Simple Cash difference is that you can apply for a bad credit loan with them and they will treat you just the same as they treat their regular customers. Get the best loan for bad credit from a company that feels that everyone deserves an equal opportunity to access funds when they’re in a difficult financial position.

$300 loans for first time clients

If you are a first-time customer with Simple Cash, then it’s your lucky day because your first loan for bad credit with them is completely interest and charge-free.

That means that even though you may have bad credit, they’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.

If you have a good credit score, they also offer loans for first-time clients of up to $1900 and up to $5,000 for existing customers. The best part is that you can spend it however you choose and repay it over 30 days to 6 months.

Get a bad credit loan from a company that cares

Having bad credit can set us back quite substantially. But with Simple Cash, they 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 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 bad credit loan with them.

Loans for bad credit – no credit checks

With their wide range of financial products, there is something for everyone, even those with bad credit or no credit history. They will only determine your affordability to grant you a loan for bad credit and won’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

Having to borrow money isn’t always an easy thing, but with Simple Cash, you will be able to enjoy not only a better chance to secure a loan but also a very easy and simple loan application.

Simply follow these easy steps 

  1. Save time and apply online. It doesn’t matter where you are or what you’re doing, you will have around-the-clock service ready and waiting for you online. Simply upload your documents and details for a bad credit loan application, which takes just minutes to complete. 
  2. They 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 for bad credit and get the cash on the same day.

Enjoy a fast and simple experience from start to finish

Through the use of modern technology, VeriSign is at your fingertips to assist with the signing of documents on their website. This means that 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 bad credit loan application process.

Those with bad credit no longer have to feel left out in the cold when they’re in need of a cash loan.

Benefits of applying with Simple Cash

  • With them, loyalty earns you rewards.
  • They approve bad credit loans in the quickest time possible and it will even be quicker when you are a returning customer.
  • Interest-free loans for first-time clients.
  • Impeccable service delivery.
man holding thumbs up

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 2020

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 2020

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 2020

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 —

June 2021

Being able to get a loan with my bad score is practically impossible, but Simple Cash came to my rescue.

Brown J
— Auckland —

August 2021

They were extremely helpful and the whole process was easy and simple.

James C
— Napier —

February 2022

I am very happy with the amazing treatment I received from their team, a company that truly goes the extra mile for its customers.

Wilson W
— Wellington —

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