Need funds up front? Apply with us to find lenders offering cash advance loans!

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Cash advance loans are fast finance options up to $10,000. They are types of personal loans. Cash advance loans can be secured or unsecured, featuring different costs and repayment periods up to 24 months. The specifics of these terms are all dependant upon the loan amount.

How many of us have gone through a time in their life where a bit of extra cash would’ve been a huge help? Chances are, quite a few. If you’re going through a time where your finances have taken a hit due to some unexpected expenses, you’ll know how stressful it can be. However, it doesn’t necessarily have to be that way. There are methods for obtaining finance that could give you the breathing space you need in those times. Just one type of finance are cash advance loans.

Cash advance loans can be for amounts up to $10,000 and can be a real saving grace when you need a cash loan on short notice. If your bank account is looking a bit worse for wear and could do with a bit of a top up to pay for unexpected bills, keep reading. You might just find that quick loans are exactly what you’re looking for!

cash advance loans

What are cash advance loans?

Cash advance loans fall under the classification of personal loans. Basically, they can allow you to get a sizeable amount of money on short notice. You can use them for a wide range of applications, from paying for unexpected bills to helping you treat yourself to a much-needed holiday.

Cash advance loans are quite distinct from the bank loans that you might be used to hearing about. With cash advance loans, there’s no needless waiting around. The lenders that offer cash advance loans tend to have a much faster process than the banks. Not only does that mean that you don’t have to put up with the annoying waiting around that you might expect, but you can also get hold of the cash you need much faster!

How do I get cash advance loans?

To get cash advance loans, go online! Simply type in cash advance loans into your online search engine and you’ll find a plethora of lenders. Nice to know that there are alternatives to applying for bank loans, huh? However, now you have another problem to deal with: how do you choose a lender?

Searching for a lender can take hours, at the very least. Chances are you don’t want to spend hours sitting in front of the computer comparing lenders when you could instead be spending hours sitting in front of the computer watching Netflix.

If you want to find a lender, but don’t want to waste time searching, there’s another way: Jacaranda Loans NZ! We’re a lender-finding service, and we can be your one stop shop when you’re looking for a provider of cash advance loans.

Finding an online lender can be difficult if you don’t know what you’re looking for. The last thing you want is to spend hours searching and applying, only to receive a bunch of rejections. When you use our lender-finding service, all you have to do is submit one application. We’ll then get to work searching for lenders so that you don’t have to. Applying with Jacaranda Loans NZ could be your first step to accessing a cash loan!

How do I apply with Jacaranda Loans NZ?

Applying with Jacaranda Loans NZ couldn’t be simpler. We pride ourselves on making our lender-finding service quick, easy and as accessible to as many clients as possible. That being said, there are still some eligibility requirements that you’ll have to meet before we can start trying to find you a lender. We don’t ask for anything too extreme, just the basics.

You must:

  • Be a New Zealand citizen or permanent resident
  • Be 18 years of age or above
  • Have received a regular income into a personal bank account for at least the last 90 days prior
  • Have a direct contact number and email address

Do you tick those boxes? If so, you can scroll up and click the apply now button!

Simply adjust the slider until you have your desired loan amount and pick the length of the repayment period. You will then be able to hit apply.

So, you’re on to filling out an application form! If you’re used to spending hours applying for a cash loan with a bank, don’t worry; our application process is nothing like that. In fact, you can apply in just minutes!

Once you’ve applied, we’ll start our process of looking for online lenders. If we find one for you, we can refer you to them super fast! Regardless of the result of our search, you should always be provided with your outcome, fast.

Can I get cash advance loans if I have bad credit?

Yes! It’s possible to get quick < a href=”https://www.jacarandafinance.co.nz/cash-loans-for-bad-credit/”>cash loans for bad credit, and we can help you find lenders that can provide them!

Contrary to the impression you might have gotten from banks, bad credit is not the be all and end all. In fact, the online lenders that we can find are willing to look at more than just your credit score. That’s why they can offer quick cash loans for bad credit!

Bad credit can happen to a wide range of people. It’s simply the result of negative information on your credit history typically caused by a default or late payment. If this happened to you a few years ago, you might think that there’s no way it’s still affecting you now. But in fact, a black mark on your credit report can stay there for up to seven years. Therefore, a blip from a little while back could still be haunting you now.

We don’t think it’s fair to judge purely based on your credit score, and we can find like-minded lenders. Even if you have bad credit, you can apply with us – just make sure that you’re eligible. If you’re in the market for a provider of quick cash loans for bad credit, our lender-finding service is a great place to start!

Does Jacaranda Loans NZ conduct credit checks?

Nope! We’re a lender-finder, so conducting credit checks is not part of our process. We’re busy searching for providers of cash loans online instead.

Whilst we don’t conduct credit checks, some of our partner lenders do. But don’t panic just yet, because these online lenders can be more understanding than the banks. Even if we find a lender for you that does credit checks, they will also take a look at your current financial situation. If they’re satisfied that you can afford to make your repayments, they might be able to offer you a cash loan! Regardless, you won’t be rejected just for having bad credit.

You might also be wary about the prospect of a credit check if you’re not sure what your credit score is. Funnily enough, you’re not alone. In fact, around 92% of Kiwis don’t know what their credit score is. If you’re one of those, or you simply want to double check, doing so is now easy! Credit Simple allows you to check your credit score instantly for free. It’s online as well, so you can check your credit score at your convenience. If you’re not sure about your credit score, give it a go!

Can I apply if I’m receiving welfare payments?

Sure can! As long as you meet the eligibility requirements, you can apply with our lender-finding service. If we find a lender for you and they are convinced you can make your repayments, they may approve your application for cash advance loans!

How much do cash advance loans cost?

We’re a lender-finding service, so we don’t control the costs of cash advance loans. Our partner lenders offer a range of different terms, which they’ll outline in your loan contract if your application is approved.

While we can’t make any promises about exact loan costs, we can give you an idea of the types of fees that might be included. Make sure you check the contract your lender sends you to ensure that you know what you’ll need to pay and when you’ll need to pay it.

Example of loan costs

$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.

Apply with Jacaranda Loans NZ today!

Cash advance loans could be the fast finance option that you’re looking for. Applying with our lender-finding service is a quick and easy way to get in touch with cash loan providers – even those offering quick cash loans for bad credit!

We want those who apply with Jacaranda Loans NZ to feel the full benefits of our service. That’s why we’ve included a bunch of helpful pages for you to read if you’re feeling unsure. You can get a better idea of our service and how it works, the types of costs typically involved in loans, and our super useful FAQ section.

If you need to get in touch with us directly for whatever reason, you can also contact us via our website. We’ll do our best to get back to you as soon as possible.

So, if you need to find a provider of a same-day loan, apply with Jacaranda Loans NZ! Let’s see if we can help you out.

Examples of what loans might cost.

Personal Loans

Loan Amount

Minimum
$300


Maximum
$10,000

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Terms

Minimum
12 Months


Maximum
24 Months

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Example

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.

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