Have Bad Credit?



Are you looking for Bad Credit Quick Cash & Online Advanvce Loan with Ferratum?

You may have had difficulties in the past with other providers. Ferratum can provide fast cash loans and short term loans for people with a bad credit record.

Unfortunately, you are NOT eligible for a free loan offer, however, we can begin with a small loan and increase your loan amount over time if you repay back each loan. If you continue to repay your loan on time, we may even treat you internally as if you had a clean credit history. We have the sole decision right on this matter.


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We can offer loans for people with bad credit, however, only one document is required.


If you have a bad credit record, we can still process your loan application at an amazing speed when you give us the following: At least, one month’s bank statement, showing your name, address, bank account number and credit & debit amounts.


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Instant Bank
Account Verification:


Now, we can offer a simple and instant solution for bank account verification - just upload a Bank Statement! The benefit for you is no more faxing, no more digging through bank statements, no more wasted time waiting for your loan. Ferratum Instant Bank Account Verification delivers your cash faster and more securely than ever. Enjoy the experience of our amazing loan process speed!!

We will send you a link to a VeriSign secured login page, where you can automatically upload a copy of a bank statement in seconds. Then, we can process your loan application immediately.



Bank Level Security
& Read Only Information:


Our online service uses bank-level security and the information received is read only. No one is able to move money using this service.

Of course, another choice is to forward the bank statement, showing your name, current address and bank account number.

  •  By Email: loan@ferratum.co.nz
  •  By Fax: (09) 915 0768
  •  By Smartphone: Access ferratum.co.nz on your smartphone. Take a photo of the document and simply upload it.



Additional fees charged for  a bad credit loan


Pursuant to the agreed Terms and Conditions, an approved bad credit loan shall be additionally charged an extra establishment fee of $20, the same day cleared fund fee of $10. A new customer with a bad credit record is NOT eligible for a free loan offer that you can see frequently in the Loan Calculator.  Please make sure before you apply for your first loan.

We strongly recommend you to visit our Responsible Lending Page, use our bad credit loans service responsibly and only apply for what you can repay on the agreed due date.

If you have constant trouble at making payments towards your general expenses, we strongly advise to visit the below websites first as they provide their services for FREE:



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