Fast Loans Online in a Matter of Minutes!
When you need money, chances are you need it fast. Whether it’s for expected costs such as utilities and boat financing, or unexpected ones such as car repairs, or vet bills, many services demand payment immediately – and if you delay, the amount owing is likely to increase! This is the time when a small short-term loan would come in handy; when you don’t have the time to go through a lengthy application process and then wait around for days. If only there were a quicker way to apply for and secure a loan all within the same day…
If that sounds familiar, you’re going to love Jacaranda Finance NZ, a lender-finder that seeks to get you a great loan deal, fast!
From Auckland to Wellington, Christchurch to Hamilton, Jacaranda Finance NZ works with lenders to provide fast loans online to thousands of people all over New Zealand. Wherever you are, we will find you the loan you need, when you need it.
When Times Are Hard, You May Not Always Be Able To Borrow From A Bank
We understand that traditional borrowing isn’t always an option. When times are hard, you may not always be able to borrow from a bank or a credit card. Banks often refuse to approve personal loans or credit cards if you have bad credit or even insufficient credit history. Maybe you need a debt consolidation loan or perhaps these institutions are simply unable to provide the amount of money you need.
While borrowing from friends or family might be an option to some, maybe you are, understandably, uncomfortable borrowing from someone you know. Whatever the reason, we’re able to provide the best fast cash loans online.
Why Jacaranda Finance Is Top Choice For Fast Loans Online
There are countless companies promising fast cash loans no credit check online – you’ve probably seen them. Navigating the world of online money lenders can be confusing at best. How do you know who to trust with your information? Who is going to give you the best rates? Will they even approve you?
Here are just a few of the reasons to apply for fast loans online with Jacaranda NZ:
It’s Free To Apply
As we all know, the best things in life are free! Our application process is completely free. That means you are under no obligation for any repayments until you sign a contract with your lender.
Apply Anytime, Anywhere
With our online service, you can apply for fast loans online anytime, day or night. No need to take time off work to make lengthy phone calls or visit a lender in person – you can fit our easy application process around your working day. You can even apply right now if you like!
We Are 100% Online
Everything is done online. No need for long phone calls and being kept on hold. Our easy-to-use submission form takes no more than a few minutes to complete. It is then our job to find you a lender. If a lender is found, they will then contact you via email and ask for more details if needed.
Total Honesty, Total Transparency
When you choose Jacaranda Finance, there are no hidden charges or clauses. All of the lenders we work with will provide full disclosure of interest rates and repayment terms before you sign a contract. You should never sign a loan contract before having a full understanding of the conditions.
Get Your Application Outcome Fast!
When you need money fast, we do our best to let you know the result of your application, as soon as possible. Indeed, if you apply within normal business hours, we will do our best to find you a lender the same working day. Often, we’re able to match applicants with a lender within 60 minutes of receiving their application!
Can’t apply within working hours? Not a problem. Apply any other time and we will get back to you on the next working day!
Once we’ve put you in contact with a lender, the rest is up to you: you can choose to either accept or reject their loan offer. If you don’t like their terms, you are free to turn down the offer. You aren’t obligated to accept any loan offer until you have signed the contract.
However, if you do accept a loan offer and sign, your loan could be winging its way to you within just a few days.
We Don’t Take Security Lightly
The online world can be lawless – there are plenty of people trying to gain your trust and steal your financial information. However, with Jacaranda there’s no need to worry – your information is safe with us. We work with only the most reputable and properly regulated professional lenders.
We take the security of your personal information very seriously indeed and will only ever share it with the lenders you are applying to, for each individual loan application. To ensure your data is protected, we are partnered with online security giants, McAfee and Comodo.
Award-winning Customer Service Is At The Heart Of What We Do
Our customers are everything, and we will endeavour to ensure they are satisfied. Our goal is to match you with a lender who can provide the loan you need, and if you’re not happy, then we’re not happy.
Going the extra mile for our customers has earned us quite a reputation. Indeed, our excellent customer service has earned us the prestigious Word of Mouth Service Award, for two years running.
How Easy Is It To Apply?
With our 100% online application process, getting fast loans online, on the same day, has never been easier.
You must meet the following criteria to apply:
- Be 18 years of age or over
- Have received a regular income into a personal bank account for at least 90 days
- Have a direct contact phone number
- Have a valid email address
What Documents Do I Need To Provide?
You will require a bank statement showing income for the past 90 days. This can be submitted online, 100% securely. It will be saved as a read-only document and your information will not be shared with anyone besides the lenders to which you apply.
Once you have been matched with a lender, you may be asked to provide copies of payslips, bills, and an identity document to verify your information. They may also need to carry out an employment check, which involves contacting your employer. Don’t worry! Lenders employ well-trained operators who will never disclose any personal information about you or your application to your employer.
Can I Get Approved For A Loan If I Have Bad Credit?
At Jacaranda Finance, we don’t believe that a bad credit history should determine your future. This is why we work with lenders who will grant fast cash loans with bad credit online. Provided you can meet the application criteria listed above, and provide the relevant documents, bad credit needn’t stand in the way of you getting a loan.
Recognising that people often require money in a hurry, many of our lenders offer fast cash no credit check online. By cutting out the credit check, you can get a decision fast. No more waiting for days or weeks to be approved or rejected. If you’re looking for fast loans online, you’ve come to the right place.
Am I Eligible If I’m On Government Benefits?
We welcome applications from those receiving government benefits – it is still an income, after all. All credit providers must conduct an assessment to ensure that what they’re offering you is suitable. However, you will still need to meet all to the other essential criteria listed above.
How Much Can I Borrow?
Our lenders offer fast cash loans online from as little as $300 to as much as $10,000, with repayment terms from 12 to 24 months.
Your repayment terms are determined by the amount you borrow. The maximum repayment length for between $300 and $2,000, for example, is 12 months. However, to borrow between $2,000 and $10,000 your repayment term can be between 13 and 24 months.
How Much Will A Loan Cost?
The amount you pay for your loan will depend on the amount you need to borrow, and how long you require to repay it.
Interest rates on loans vary between 1.5% and 20% per month.
Loan repayment example:
- You borrow $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 an 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.
How Will Repayments Be Taken?
Repayment is simple. Usually, lenders require you to set up a weekly or monthly direct debit, to take the agreed repayment amount from your bank account at fixed intervals. However, this may vary between lenders.
What If My Circumstances Change?
Life doesn’t always run smoothly. Sometimes things change that are beyond our control. If you need to make changes to the repayment schedule, all you need to do is contact your lender directly as soon as possible. Individual lenders may be able to make changes to your arrangement if given enough notice.
Have More Questions? Ask Away!
If you have any more questions about getting your fast loans online take a look at our FAQ page. If you have more specific questions that aren’t covered in the FAQ or would simply like to discuss your loan with a member of our team, get in touch!
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.