Fast Forward Icon
Easy
Application

Apply in just minutes, completely hassle-free

Delivery Truck Icon
Rapid
Processing

You could hear back from us in just 60 minutes

Document Icon
Super Fast
Outcomes

Get the cash you need when you need it

How it works

It's really simple and easy
Chevron

Step One


Submit Application Online

Apply online using our simple application form that could take you just minutes to complete!

Computer on desk with pot plant and pens

Step Two


We Assess Your Application

We process your application quickly and utilise the latest in safe banking technologies to assess your situation. We use this information to determine whether we can find a lender who is suitable for you.

Checklist on a clipboard with dashed lines connecting to various elements

Step Three


We Can Find You a Lender

You could receive an outcome on your application in just 60 minutes, however, approval times are subject to each individual application and so they will vary. If we can find a lender for you, we will be in contact with you as soon as possible.

Woman completing a giant checklist surrounded by pot plants and leaves

Why Choose Jacaranda?

Chevron
Icon

Fast Applications

Our application process is designed to be super fast and as easy as can be. We know you don’t have all day to fill out overly complicated application forms. We keep things simple. Your application should only take you minutes to submit and then you’re all done.

Icon

We are 100% online.

Being 100% online means there is no need to travel anywhere to submit an application. The whole application from start to finish can be completed from the comfort of your own home; providing you have access to the internet.

Icon

We are lender finder experts

We are experts at finding lenders who may be able to help you out with a quick cash loan. If you need help finding a lender, we may be able to find the helping hand you need.

Icon

Customer Service is key to us.

If you have any question or comments you can get in touch with our team to discuss them!

Icon

We understand that no one is perfect.

We can find lenders for people with bad credit. You shouldn’t be punished for something that may have happened several years ago. We can find lenders who can give you a fair go.

Icon

Everything is out in the open.

We believe that everything should be out in the open. We are transparent with our services and are here to help you if we can.

How to qualify for a Personal Loan?

Purple Chevron

Examples of what loans might cost.

Small Personal Loan

Loan Amount

Minimum
$300


Maximum
$2,000

Icon of hand with dollar symbol in it

Terms

Minimum
12 Months


Maximum
12 Months

Calender Icon

Costs

Up to 20% Establishment Fee
+ monthly fee up to 4%

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest. The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
Invoice Icon

Examples

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Bar Graph Icon

Medium Personal Loan

Loan Amount

Minimum
$2,100


Maximum
$4,600

Icon of hand with dollar symbol in it

Terms

Minimum
13 Months


Maximum
24 Months

Calender Icon

Costs

Annual Percentage Rate (APR) is 48%
Comparison Rate is 67.41% per annum.

This comparison rate is based on a medium amount credit contract of $2,500 repaid over 2 years with a $400 establishment fee and APR of 48%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
Invoice Icon

Examples

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest*) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest*) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

* Reducing intertest means that the 48% APR is applied to the outstanding balance on a loan. When a loan repayment is made, the loans outstanding balance goes down and the APR is applied to that lower balance. Therefore, the interest component of the loan will constantly reduce (as long as repayments are being made!) - thus it is called reducing interest.
Bar Graph Icon

Large Personal Loan

Loan Amount

Minimum
$5,000


Maximum
$10,000

Icon of hand with dollar symbol in it

Terms

Minimum
13 Months


Maximum
24 Months

Calender Icon

Costs

Annual Percentage Rate (APR) is 21.24%
Comparison rate is 48% per annum.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
Invoice Icon

Examples

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

Bar Graph Icon

Why choose us

Chevron

We take pride in our work.

Here at Jacaranda Finance NZ we pride ourselves on being able to help people get out of those stressful situations. If you’ve found yourself in a situation where you need a bit of extra cash to cover an emergency situation, we can help. Whether you’ve been hit by unexpected car repairs and can’t get down to the dairy to get milk for your morning cuppa, or you suddenly need to do a bit of emergency travel and head over to the other island to see the whanau, we can find someone who can help.

So, if you’re looking for lenders of quick cash loans, cash advance loans, cash loans online or just a simple cash loan, we may be able to help you out. We’ll do our best to find lenders who can help. In fact, we can find lenders for cash advance loans up to the amount of $10,000! So, there really may be something for everyone. The next time you need a bit of spare cash to buy a paddock basher or you’re heading up North for a bit of a family holiday and need some spare funds, submit an application. Let us see if we can help you out.

Computer on desk with pot plant and pens

Our process is simple and easy.

Our applications are so fast and easy that they should only take a few minutes of your day. They’re 100% online and designed to be fast so you don’t even have to worry about leaving the house. You can submit an application from the comfort of your own couch. If that isn’t easy we don’t know what is. We’re fast, secure and pretty damn good at what we do.

Checklist on a clipboard with dashed lines connecting to various elements

We are the loan finder experts.

We’re lender-finder experts who specialise in finding lenders for the average Kiwi. Have you been caught shot by unexpected expenses and need a helping hand finding lenders who offer cash advance loans, quick cash loans or cash loans online? We may be able to help.

We offer this extremely fast service as we know just how stressful it can be trying to find a lender on your own. You’re stressed, in need of some extra cash, fast and you don’t even really know where to start. We aim to make the process immeasurably smoother for you.

Woman completing a giant checklist surrounded by pot plants and leaves