Loans For Unemployed Kiwis

With Cash Loans for Unemployed NZ, get the financial assistance you need with loans for benefits and low credit scores.



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Cash Loan Repayments

Use our short term finance calculator to determine the repayments and how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, we then spread the rest across 48 months. Our fast loans are subject to credit checks, in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

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* This is an approximate loan duration based on assumed adequate security and collateral, job security, income, residence situation and positive references.

Cash Loans for Unemployed NZ – Get the Help You Need

Our loans for unemployed individuals are designed to help you when you need it most.

As long as you have a good credit history and are receiving regular benefits, you can still qualify.

We understand that unexpected expenses can arise. Whether you’re dealing with an unexpected medical expense, a car repair, or an emergency home repair, we can help with loans for unemployed cash when you need to cover those expenses.


Fast access to funds

Our loans for unemployed NZ range from $800-$4000, so you can get the money you need, no matter how big or small the expense.

With our easy application process, you can get approved for a loan within minutes.

Once approved, the funds will be deposited into your account within 24 hours, so you can start taking care of your financial needs right away.

Get the Cash You Need, Even with a Low Credit Score

We’re here to provide cash loans for unemployed NZ, with less-than-perfect credit histories.

We believe that everyone deserves a fair chance.


Loans for Benefit Receivers

We offer Loans for Benefit Receivers to support those who are facing temporary setbacks due to sickness or injury.

We always encourage our customers to borrow responsibly and only what they need to avoid financial strain, but we are here to help if you do require financial assistance.


Flexible Repayments on Loans For Benefit Receivers

Our loans for benefit receivers have flexible repayment terms, so you can pay back the loan at a pace that works for you.

We also offer competitive interest rates, so you can save money on interest charges and enjoy no hidden fees or charges.

Our goal is to help you get the financial support you need, without being held back by your credit score.

Cash Loans Criteria

Quick Loans offers loans for unemployed kiwis from $800-$4000 with repayment periods spread over 48 months.

What are the eligibility criteria?

The eligibility criteria for cash loans for unemployed individuals at Quick Loans include

  • being a New Zealand citizen or resident
    18 years or older
  • having a regular income or benefit
  • having a good credit history.

Quick Loans also require applicants to provide proof of identity, address, and income or benefit.

We take responsible lending seriously.

We understand that taking out a loan is a big decision, and it’s our responsibility to ensure that each loan application is assessed on its individual merits and make sure that the loan is affordable and suitable for the borrower’s needs.

How to Achieve Financial Stability Beyond Cash Loans

At Quick Loans, we encourage our customers to budget and make an informed and educated decisions when it comes to making financial decisions.  

One way to get started is by creating a monthly budget that includes all of your income and expenses.

This will help you identify areas where you can cut back on spending and save money.

You can also look for ways to increase your income selling unused items. Additionally, there are many free resources available, such as financial counseling services, that can provide you with personalised advice and guidance.

Remember, taking control of your finances is a process, but it’s a journey that can lead to a brighter financial future.

Talk To Us Today – Get Instant Finance Today


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Fast, Easy Loans For Kiwis

Applying for your new loan is easy. Get access to your digital loan documents with privacy.



Complete our quick and simple loans online application form in only 7 minutes.



Your application is assessed by human – not a computer who’ll call you back within 60 minutes.



If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.


Here are some FAQs

What is the interest rate?

For our standard rates and fees click here. Interest rates start from 13.95%.

What security is required?

We generally require security against the loan in the form of a car, boat, property or guarantor. This security will be carefully evaluated as part of the short loan application process.

How long does it take to get approved?

Our application process is quick and easy, and you can get approved within minutes. Once approved, the funds will be deposited into your account within 24 hours.

Can I repay my loan early?

Yes, you can repay your loan early without any penalties or fees. We encourage our customers to pay off their loans as soon as possible to avoid additional interest charges.

Fast and hassle-free, Fast Loans Online With Our ‘Digital Signature’ Service


You’re busy. We get that. That’s why you can sign for, and receive your funds, without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today!

Talk To Us Today – Get Instant Finance Today