You Could Borrow Money Now With Quick Loans From Jacaranda NZ!
Do You Need To Borrow Money Fast?
When you need money there often isn’t any time to waste. Searching through the internet for lenders with the best rates can take up hours of your time. Applying to individual lenders for a loan can mean that you’re waiting for days, or even sometimes weeks, for a response. When you need to borrow money now, that simply isn’t good enough!
Take a deep breath, Jacaranda is here to help…
Jacaranda Is A 100% Online Based Lender-Finder Service
Jacaranda is proud to connect customers all over New Zealand to the loans they need. From Auckland to Christchurch, Queenstown and everywhere in-between, we can find a lender for you!
Why You Need Our Help
Whilst there are many companies promising that you can ‘borrow money today’, we can help make the process faster, easier and more secure. Here’s why you should choose Jacaranda to find the loan you need:
When you need to borrow money, the last thing you want to do is wait around for days or weeks for a response to your loan applications. You want an answer immediately, and you want the money in your bank within a matter of days. Well, you’ve come to the right place!
With Jacaranda, you could be able to borrow money quick! Our online submission form takes no more than a few minutes to complete. After you’ve submitted it, you could be waiting less than an hour for a response. Once you’ve been matched with a lender, you could receive your loan within a day!
We Make Things Easy
Because we’re 100% internet-based, it has never been easier to borrow money online. You don’t even have to leave your couch to apply for a loan through us. The whole process can be down from your fingertips, from the loan application to communicating with the lender and setting up your repayments. No need to wait at the end of the phone, or visit loan offices, just fill out our form today!
We Keep You Safe
The internet can be a minefield when you’re looking for loans. Although most companies are reputable, there are also plenty of sharks looking to exploit people who are unaware. Even when you’re working with a legitimate company, some loan companies are not forthcoming about their interest rates or fees, meaning that you can end up paying far more than you bargained for.
Well, with Jacaranda, you don’t have to worry about all of that. We work with only the most reputable lenders who are committed to disclosing their full rates before a contract is signed. This way you know exactly what you’re paying and when.
We Put Your Happiness First
Our customers are at the heart of everything we do. We want you to get the loan you want when you need it. If you’re not happy with the loan you’re offered, you are never obliged to accept it. If after reading over the loan contract you decide it doesn’t suit you, then simply decline! We will do our best to find you an alternative loan.
Our commitment to excellent customer service has earned us two Word of Mouth service awards in 2017 and 2018.
What Is The Process To Borrow Money Through Jacaranda?
Our loan application process can be described in three simple steps:
Apply Online: Applying for a loan through our online form is easy and takes no more than a few minutes to complete. Our online application form is free and secure. We ask you for some basic personal details, and details of the loan you’re looking for.
Wait To Be Matched With A Lender: Once we’ve received your application form, we’ll do our best to match you with a lender who can offer you the loan you need. You could hear from us within one hour of applying if you apply within normal business hours. If you submit your application outside of business hours, we’ll try to get back to you on the next business day.
It’s A Match: If we find a lender who can help, we’ll introduce you and your lender will contact you directly to discuss further details. It will then be up to you to finalise and sign the contract and set up a repayment plan.
Something To Remember
Always make sure that you read your loan contract fully before signing. Your lender is obligated to provide you with the full costs of your loan before you agree to it. If you have any questions or are confused about anything regarding your loan please speak to your lender.
Can I Apply For A Loan Through Jacaranda?
If you’re wondering whether or not you’re able to apply for a loan through Jacaranda, all you need to do is answer ‘yes’ to these simple questions below:
- Are you 18 years old or over?
- Do you have a valid email address?
- Do you have a valid telephone number?
- Do you have a provable income for the past 90 days?
- Am I able to provide a bank statement to show my income?
If the answer to all of these questions is ‘yes’, then you can apply! Your lender may ask you to provide some other documentation such as:
- Copies of bills
- Copies of payslips
- A form of identification such as a driving licence or passport
- Your employer’s contact details
Some lenders may require employment verification to finalise your loan. This means they may need to contact your employer to verify that you work there. They will not reveal any details of your loan application within this check, and confidentiality will always be ensured.
Can I Borrow Money If I’m Receiving Government Benefits?
We don’t believe in excluding those who are receiving government benefits from applying for a loan. We work with lenders who offer loans to those receiving an income through government benefits. You will still need to prove this income by providing a bank statement and Centrelink income statements when applying.
Can I Borrow Money With Bad Credit?
If you have a bad credit history and are worried that it may affect your chance of getting a loan some of our lenders take a look at your overall financial circumstance rather than just your credit history. We work with lenders who offer loans to customers from all walks of life – including those with bad credit! Some lenders will not even require a credit check to approve a loan and will just base your application on your current circumstances.
How Much Will It Cost Me?
The total cost of your loan will depend on a number of factors including:
- How much you borrow
- How long your repayment term is
- Other personal factors included in your loan application
We work with lenders who approve loans from $300 to $10,000 depending on your circumstances. Repayment terms range from 12 to 24 months depending on the size of your loan.
Every lender will have different rates, so it isn’t possible to give you an exact cost for your loan before it has been approved. Interest rates will vary between 1.5% to 20%. The calculation below shows an example of the costs involved in a loan:
- Loan amount: $2,500 repaid over 13 months
- Weekly payment: $75.05
- Total interest: $1,702.80
- Total repayable: $4,202.80
- Monthly interest rate: 9% AIR: 108%
*This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amount available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.
Your Repayment Plan
Repayment amounts and frequency will be agreed with your lender before a contract is signed. This will generally be done by direct debit on a weekly or monthly basis.
You must keep up with your repayments to fulfil the terms of the loan. If for any reason you believe you won’t be able to keep up with repayments, you must contact your lender immediately. Give some prior notice the lender may be able to alter your repayment plan or defer payments so that you don’t default on your loan.
Are You Ready To Apply?
If you’re ready to borrow money through Jacaranda, then all that’s left to do is use our free application form to send your loan request to dozens of lenders!
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.