Can I get a loan with bad credit?

We believe that every New Zealander deserves to live their best financial life. While a bad credit score can make the process more difficult or result in a higher interest rate, it doesn’t necessarily mean that your application will be declined.

That's why every new application for a personal loan with Unity requires a credit check. From here, we can assess the interest rate as well as the loan terms, and weigh this against any other personal information provided, including your financial profile, credit history and your capacity to repay the loan.

Please Note: Applicants must not be currently bankrupt or entered into a NAP (No Asset Procedure)

Click here to learn more about your credit score, and how it will affect your personal loan application.

Click here to find out how Debt Consolidation can affect your credit score. Hint: it’s good!


More frequently asked questions about our loans

You may find the answer on one of the pages below:

If you have not found your answer, please feel free to contact us.

Want to know your options?

Try our personal loan calculator.