Bad Credit

Having a tainted credit can seem like a burden when trying to secure finance. Here at better™ we look at things a little differently. Run your numbers and apply online in just minutes.

Three minute application. Fast decisions.


Our benefits

The better™ way to get finance sorted

Fixed Interest Rates

From the least to the most you could expect to pay, we tell you straight away. No hidden rate ranges. No surprises.

Zero Hidden Fees

No hidden finance costs. Understand your offer before you commit. We believe in keeping lending simple.

Fast response

Three minute online online application. Lending decisions in three hours or less. And same-day payout*. We won't keep you waiting.

Have a question or two?

Being better informed makes for better decisions.
Check out our handy FAQs and get in touch if you’d like to know more.

We’re responsive.
We keep it breezy

We built our approach with you, and your time in mind. If you're looking for a fast application decision*, we can have an answer quick smart. Plus, at better™, there's no need to email bank statements or copies of your ID - our smart tech does the work for you, saving you time and hassle. From our quick three minute application, right through to transferring the funds, we've got your time in mind. *Affordability test applies.


We add the
personal touch

We hand-picked our 20+ team with some important attributes in mind: people that love and understand finance, and folk that are driven to help our customers and ensure the process is well understood.


When you apply with better™, you’ll get a call from one of the team to discuss your application. It doesn’t take long, but in our book, it’s the most important step in making sure you get the best out of better™.


We champion

We're on a mission to - bit by bit - make borrowing better.

For example, one of the things we know that understandably frustrates Kiwis, is hidden fees.

Well not at better™. Like to know what you’re signing up for with no surprises? That’s how it should be. At better™ there’s just clear, transparent information about rates and costs. Because clarity, in our book, is better.


What can we help
you make happen?

Big goals, personal possibilities and everything
in between. How can we help you?

  • Apply in three minutes
  • Fast application decisions
    *Affordability Test Applies
  • Smart technology to assess your application faster
  • No deposit finance available
  • Fixed interest rates and no surprises
  • Funds transferred in less than 24 hours


Bad Credit – the details

Being better informed makes for better decisions. Have a question or two? Check out these helpful FAQs or get in touch with the team.

Can I get a vehicle loan if I have poor credit history?

Bad credit can seem like a burden when trying to get approved. A vehicle loan does help mitigate some of the risks from a lender when providing finance as there is collateral to claim against if the loan is unpaid.
Although being offered finance is not a given, a vehicle loan does open more options when there is a vehicle to use as security. 

How much can I borrow?

Our minimum loan amount is $3,000 and maximum is $100,000. How much you can borrow within this range depends on your personal circumstances and affordability. It’s important to borrow only what you need and to ensure you can comfortably meet your repayment obligations for the term of your loan. Our team is expert at helping you determine your personal borrowing sweet spot.

What interest rate do you offer?

The interest rate of a loan is determined by a multiple of factors and rates can vary between different loan purposes and finance applications. 
Generally the better your credit scoring and strength of application the lower the interest rate you would be offered. Also a big contributor to interest rate is whether a loan is secured against a vehicle or unsecured. To find out more, you can apply online and we will be in touch to discuss your application.

Can I refinance an existing vehicle loan?

Using innovation and smart technology we can have loans funded on the same day as approval. 
Banks have their own processing times for the money to show up in your account, but usually received that same night.

What fees does better™ charge?

Can I refinance an existing vehicle loan?

Yes. You can refinance your loan to a different lender even if you have finance secured against a vehicle. 
Refinancing can be a good option to reduce your annual interest rate, saving you money in the long run and helping to pay off your debt faster.
Make sure you consider fees to repay your existing debt early, and any additional fees in securing the new finance.

Have a question? We’re here to help

Our 20+ strong team are better-borrowing champions – we’re for any questions, big or small.

Or request a call here:

One of the team will call you asap within business hours

1. *Fixed interest rates for vehicle and personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60 month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. 
2. Fees apply, including an establishment fee of up to $450 and an introducer fee of up to $995.
Example: A loan of $5,000 over 12 months at 10.95% p.a. has fees totaling $495 and a total repayment of $5,832.00 equating to 12 monthly payments of $486.00.
3. Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan. 
4. One hour application decision subject to affordability test, the applicant meeting the lending criteria and supplying all the required information to process the loan application.
5. Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.