No credit check Power companies in NZ work for people who don't want any long-term commitments. This way, they usually won't have to deal with deposits, contracts, and credit checks to apply for electricity.
There's also the fact that not everyone has a perfect credit score, so it can be hard for some to get a good electricity plan. But having bad credit doesn't have to stop you from getting a power deal that suits them best. Good thing some power companies today provide a no deposit, no credit check electricity regardless of your credit score, or the type of plan you need.
If you don't have a good credit score, you may have a hard time signing up for a new electricity provider. Most power providers look into your credit score when you apply for one of their plans. Your credit score is based on several factors. If you've never taken out a personal loan or mortgage, it doesn't automatically mean you don't have a credit score. Your payment history is a huge factor in your credit rating.
If you have no idea what your credit score is, you can get a copy of your credit record from Centrix, Equifax, and illion. If you discovered that you have a bad credit score, you can improve it by paying delinquent debt sooner, or talking to your bank on the right steps to .
As with prepaid mobile phone plans, there are also power providers that offer pay-as-you-go options that allow you to pre-purchase electricity. And because you're paying for the power up front, they don't require any credit checks.
Here are some electricity providers that offer prepay power plans:
You can join Globug's prepay services easily as there are no bonds or credit checks required. You can top up from $10 through their website or app using your debit or credit card or internet banking.
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Globug also has an app where you can check their current balance and estimate how many days of power you have left. You can also read the information on how much power you consume on a daily, weekly, and monthly basis, which helps you manage your power consumption better.
Contact Energy provides a Contact Prepay service for their residential customers. For this service, you need to have a mobile phone for text alerts and email correspondence. Contact PrePay availability for those with "unsatisfactory credit rating" may still be available on selected plans. Read more about prepay special terms here.
Prepay rates are the same as their usual plan rates, and you can top up their desired amount using Contact's website or app. You can also top up by text, using your credit or debit card, or through the internet or telephone banking.
Payments made by credit or debit card are subject to a fee.
You can easily keep track of your power consumption, remaining balance, and the number of days left through Contact Energy's app and website.
You can sign up for Wise's prepay service without worrying about your credit score. They do not require credit checks or deposits for their customers to sign up.
You can top up from as low as $10 using their app or website, using your debit/credit card, or internet banking. Please note that a fee applies if you pay using debit/credit or if you do in-store top-ups.
Customers can conveniently check their power usage and remaining balance using Wise's app or on their website, and get text and call notifications from them.
Don't let a bad credit score stop you from living the life you really want. There are many ways to improve it, but it can be a long process for some. You can start with the following:
The best way to prevent any potential credit issues is to pay your bills on time and manage your payments effectively. If you're having problems paying your bills on time, you might want to consider other payment options.
There are some NZ power providers that offer alternative spread-payment options. This means you'll pay slightly more during the summer season, and pay less during the winter season.
Most retailers also have an automatic payment option so you won't have to worry about paying late fees for either weekly, fortnightly, or monthly bills.
Whatever payment option you choose, don't hesitate to contact your power provider if you're suddenly having difficulty paying your bills. Most power companies provide assistance to customers facing financial hardships.
Make sure you're on the right power provider and plan! Finding affordable power plans is made easier using a comparison tool. It allows you to see your options based on your needs and location, plus you get to discover exclusive deals you wouldn't normally see when you visit the provider's website.
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