Have Bad Credit? We Find Lenders That Can Offer Bad Credit Loans!
Bad credit loans are traditionally considered very risky and often shunned by conventional lenders, including banks. These institutes often rely on personal credit history before approving any applications they may receive for lending. While it is expected of them, the standard of approving loan applications only when the applicant has a stellar credit history restricts the business. With Jacaranda Finance NZ, it’s different. We can find the right lenders that offer bad credit loans when you need it most.
When you’re looking for personal finance with less-than-perfect credit, you could find yourself searching frantically from lender to lender. You may try and get in touch with every person and institution that they can think of but virtually never get a positive response unless it is a friend who can spare a sizeable amount of cash on such short notice. We want to change that story. Instead of googling and googling, just apply with us, and we’ll do the legwork.
We help people with a poor credit score secure fast loans on bad credit every day. In fact, a major portion of our customers are people with imperfect credit score. We understand they could be going through a rough patch and help them find flexible lenders. After all, everybody needs help now and then.
If you need help with finding a suitable lender for bad credit loans, you can trust us to find you the best options across the country.
What are Bad Credit Loans?
Bad credit loans are personal loans for people with bad credit. We know that life happens, and sometimes you end up with a less-than-perfect credit score. So, how exactly do we find lenders for people with bad credit? Well, that’s easy. We find lenders that can look at more than just your credit score. They look at your general relationship with money. We believe in giving bad credit clients a fair go.
At Jacaranda Finance NZ, you can apply for a variety of poor credit loans, including an unsecured loan or a secured loan. If you decide to borrow over $2,000, then it must be secured with equity, such as a car, motorbike, caravan or boat. If you simply need a little cash, then you can apply for an unsecured loan, perfect if you’re a city-dweller without a car!
Over the years, bad credit finance may have a bit of a bad rep. However, with Jacaranda Finance NZ, people with bad credit scores can now seek a timely solution with a high level of customer support and service standards. This is why bad credit loans are helping people apply for quick cash, without them getting pushed back for a mistake they made in the past or bad financial circumstances over which they have no control.
Borrowing on Bad Credit for Emergencies
The prospect of borrowing money to meet an urgent need can be very stressful. You are facing a sudden and unexpected problem that needs to be solved, and you have to find an instant solution for it without even thinking about delaying the exercise. There’s no time and you must solve a big problem, like hospital bills for a spell of sickness a loved one is going through or expensive treatment after an unfortunate accident.
If you happen to have bad credit, it can be harder to get access to the funds you need. Regardless of whether or not you have a bad credit score, conventional lenders like banks take their time in processing loan applications and can often take over a week to just get the necessary documentation and approvals for the application. But don’t worry, we think loans should take minutes not days. So, when you apply with us, we’ll do our best to find you a lender in minutes.
We know that when you need cash for an emergency expense, you need it most. That’s why when you apply with Jacaranda Finance NZ, you can complete our online application in minutes, and if you apply during business hours, we can find you a lender in no time! When emergencies strike, count on the lender-finder that will work quickly to make sure you find the lender that can say ‘yes’.
We don’t just help clients with bad credit, we can also help clients on welfare benefits. If you receive welfare, you may have been knocked back in the past. However, when you apply with a trusted lender-finder (that’s us!), you could meet the right lender that can get you the cash you need.
How We are Helping People with Lending Against Bad Credit Score
Jacaranda Finance NZ is one such service. At JFNZ, we are helping customers with poor credit score secure small loans for bad credit by finding lenders that can see beyond your credit score.
We have a sophisticated process that allows us to help people with bad credit history get timely loans for their urgent needs, though much of this synchronisation comes out of our business philosophy. Helping people in need is part of our business values and is a key reason why we take the huge responsibility of playing the intermediary between a lender and a borrower with a poor credit history.
We know that mistakes can be made, and poor decisions can leave you with bad credit, like a poor investment in a business venture that would fall apart eventually, etc. We understand this problem is keeping a lot of people who are looking for quick finance to handle a pesky problem, so we are always willing to help them to find you a lender that can look at more than just your credit score, and assess you on your current relationship with money.
We have a strong network of partners and lenders across New Zealand to whom we send requests for bad credit loans. If any of them is willing to offer a quick loan in response, we connect you with a quality lender that will do their best to grant you the funds you need, without jumping through hoops.
Why You Should Consider Our Lender Finding Help
- We have a simple online application form that you could fill out within minutes. It requests basic contact information and some credentials necessary for our record. NOTE: Your information remains completely confidential and we share it with possible lenders on a need-to-know basis who are also bound by a confidentiality agreement.
- Before applying with us, you can propose your own loan terms. To get started on your application you can use our loan calculator, where you can select how much you wish to borrow and for how long. Then, you click ‘Apply now’ and you’re ready to complete an application – just like that!
- We have a range of instalment plans that depend on your convenience entirely and the amount you request. If the number is under $2,000, you will be expected to pay back the money in 12 months. For any sums between $2,001 and $10,000, you can choose to pay the loan anywhere between 13 and 24 months. You can also choose to pay on a weekly, fortnightly, or monthly basis, subject to approval.
- Our smart servers begin working on the application right after you press the submit button. If all goes well, you might hear from us within an hour (during normal business hours).
- We think convenience is key, however, we still believe in quality customer service. That’s why our team is online, behind your screens and ready to answer any enquiries you may have about our lender-finding service. Our trained customer support representatives are always ready to reply to your queries and solve your problems (during business hours, of course). We’re 100% online, so if you do want to apply outside of the normal business hours, then you can! Our team will get to your application by the next business day.
- We match applications with potential lenders’ preferences in a seamless process so you can meet your lender as soon as possible. If we do find you a lender, they should get in touch shortly.
- We provide specialist services for locating a lender. Our strong network of patrons and partners around the country allows us fast application processing and high success rate.
- At Jacaranda Finance NZ, we care about helping clients with bad credit. We understand that life happens, and sometimes you can wound by with less-than-perfect credit.
- We also believe in transparent business practices, which means we will never trick you into anything.
- As a digital service with a network of partners across the country and years of reliable services on record, we are a great option for your lending needs regardless of where you are located in the country and help find willing lenders for bad credit loans.
What are consolidation loans for bad credit?
Apply for bad credit loans using our lightning fast lender finding service for all residents of New Zealand right now. If you find yourself with multiple loans, you can always consolidate your personal loans into one with consolidation loans for bad credit! Just apply, and we’ll do our best to find you a lender that help consolidate your debt.
Typically, debt consolidation loans must be secured by equity such as a car, motorbike, caravan or boat. To see if we can help consolidate your debt, apply today!
Complete an application in minutes for fast loans bad credit
If you’re looking for quick cash, you can apply with Jacaranda Finance NZ in just a few minutes! Apply from the comfort of your home, with a cuppa in hand and have a new lender in no time at all. To get started, scroll up and apply using our loan calculator.
Looking for small cash? Think unsecured bad credit loans.
Not everyone is looking for a secured loan, perhaps you’re a city dweller without a car, or you’re simply looking for a small injection of funds to cover the expense. To apply for unsecured bad credit loans, simply apply for a loan amount for $2,000 or under! It’s that easy.
Cash loans bad credit
Cash loans bad credit are simply personal loans for bad credit. When it comes to personal loans, there are many terms that refer to personal loans.
Quick loans bad credit
Now, quick loans bad credit is a personal loan for bad credit that you can apply for quickly. At Jacaranda Finance NZ, we pride ourselves on having a speedy service. Between an application, you can complete in minutes, and finding clients a lender in minutes – we’ve got the speedy loans down pat!
So, let’s clear something up. Small loans for bad credit and unsecured loans bad credit are the same loan! Small loans for bad credit are simply personal loans from $300 to $2,000 and can be repaid over 12 months. Exactly the same as an unsecured loan!
Ready to Apply?
So, if you’re searching for a personal loan, you’ve come to the right place. We’re the middleman between you and your next lender. Just apply today to skip the scrolling through a mixed bag of lenders and completing an endless cycle of applications. At Jacaranda Finance NZ, we do all that pesky legwork for you. Just scroll up to locate our loan calculator to get started today!
Examples of what loans might cost.
Interest Rate between 1.5% and 20% per month.
$2,500 repaid over 13 months would have 56 weekly repayments of $75.05. Total interest $1702.80. Total amount repayable $4,202.80. This example is based on a monthly interest rate of 9% and an AIR of 108%. WARNING: This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amounts available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.
Note, your lender may offer you different terms, fees or loan amounts based on your individual circumstances, needs and their own lending criteria. Please check your contract before signing.