Can You Get No Credit Check Loans in NZ?

Here at SeedCash, we appreciate the need to protect those in financial difficulty while also offering them the opportunity to apply for loans. No credit check loans may not be available in NZ, but that doesn’t mean you can’t get a loan with us, even if you have a low credit score.

We uphold the protection of those in difficult financial straits by adhering to responsible lending codes and offering loans at reasonable rates after a brief application.

We strive to ensure financial stability for our borrowers by verifying that they can get their loans after a credit check with their best interest in mind.

Following this, we work out an equitable repayment plan that borrowers can comfortably follow without having to worry about making payments on a taxingly tight deadline.

All of this is done through a “people-first” approach, where SeedCash pays careful attention to the individual needs of each borrower and works out the best arrangement for them. We will never give clients more than they can handle or put them in a precarious financial situation.

The process is simple and takes just four basic steps.

At SeedCash, we believe in transparency and good faith financial practice. As such, we hide nothing. There are no hidden fees or secretive lending criteria. You know exactly what we need from you and what you’re getting in return.

So what are our responsible lending requirements? SeedCash typically provides a personal loan if you meet the following (but not limited to) requirements:

• We need to see that you’re at least 18 years old. By law, we can only lend to those of legal age. We also need to be sure that you currently live in New Zealand and are either an NZ or AU resident/citizen or that you have a valid work visa.
• We also want to make certain that you’ve been working full-time or part-time with your current employer and that you’re earning a stable income of at least $300 per week. You don’t need to be getting paid each week, of course. If you get paid monthly, that’s fine too, but you should average $300 a week. CCCFA NZ law requires lenders to establish a borrower’s likely income on a weekly, fortnightly, or monthly basis and consider their other expenses too, which leads to our next point…
• We want to make sure that you’re financial conduct is in order. It’s most important to us that you’re protected, and so we want to know that you’ll be able to repay your loan according to the repayment terms we work out with you.
• Of course, to do this, we’ll verify your personal and financial information. We want to be able to rest assured that your information is correct.
• Importantly, you need to have an active bank account with at least three regular payroll transactions having been paid into that account. This helps us with the verification process, but more vitally, it will ensure we can send you the money safely.
• Finally, you need to be “connected” — Because our loan application process is 100% online, you need internet access and an active email address, plus a mobile phone number registered to your name. This will allow us to stay in contact, which is crucial to a safe and secure lending agreement.

We follow these lending requirements to ensure harm won’t befall you, the borrower, should you receive a loan.

SeedCash understands that everyone’s situation is unique, and so we strive to help you get what you need ASAP.

When getting a loan with SeedCash, our team works with you to customize your loan to achieve your objectives and make paying it back extremely simple, with flexible repayment options. We work out a repayment plan with you, so we can figure out what will work best for you and make certain that you can plan accordingly. You will be able to choose how frequently you pay installments, so you can budget and never have to worry that you can’t repay on time.

We stick with you every step of the way to ensure your cash loan will cover what you need while making repayment realistic and affordable.

Our team will talk you through the process and provide insight into loan terms, and other intricacies while also providing regulated financial advice along the way, making sure you know what’s happening and why, so you can make the best financial decisions possible.

A fixed interest rate for one of our loans starts at just 14.95% p.a. - 49.95% p.a. To get a better idea of what we can lend you and a broad estimate on monthly repayments, make use of our personal loan calculator before you apply online.

Loans might be approved for up to $20,000, with periods from 9 to 60 months, for repayments, which could be weekly, fortnightly, or monthly. We will match the frequency of your paydays.
Early repayment is encouraged, and no extra early payment fees apply. SeedCash caters to your unique circumstances and strives to assist you with speed and simplicity.
While you can’t get no credit check loan personal loans in NZ, we believe that credit checks shouldn’t have to be the only deciding factor for those seeking loans.