Jacaranda Could Provide You With An Instant Loans From $300 To $10,000
Sometimes in life, there’s no time to waste. This is especially true when you need a last-minute loan. Bills, rent, car repairs… emergency costs won’t wait until you’ve had time to ‘figure it out’. Wouldn’t it be great if you could apply for a loan, have it approved, and have the money all within the same day? And without ever having to leave your couch?
Say hello to the lender-finder of your dreams…
Jacaranda Finance NZ works with lenders who offer instant loans to thousands of people all over New Zealand. From Auckland to Dunedin, we can find you the loan you need when you need it.
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 loans or credit cards if you have bad credit, or aren’t able to give you the limit you need. Read more about online loans NZ.
You may not have friends or family to borrow from. Or, maybe you’re simply not comfortable borrowing from someone you know. Whatever the reason, we’ve got you covered!
Why Choose Jacaranda?
If you’ve done any research to find instant loans, you’ll have probably seen the many companies promising instant cash loans. Navigating the waters of online lenders can be confusing at best. So, how do you know who will approve you? And, who is going to give you the best rates? How do you know who you can trust?
Here are just a few of the reasons to apply for instant loans with Jacaranda NZ…
It’s Free To Apply
The best things in life are free right? Our application is completely free. You are under no obligation for any repayments until you sign a contract with your lender.
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.
You Can Apply Anytime
Because everything is done online, you can apply for instant loans anytime day or night! This means that you can fit it in around your working day. No need to take time off work to make phone calls or visit a lender in person.
Super Fast Outcomes
If you apply within normal business hours, we will do our best to find you a lender the same working day. We could even match you with a lender within 60 minutes! However, if you apply outside of our business hours, we will get back to you on the next working day!
So, once we’ve put you in contact with a lender, the ball is in your court. You can choose to accept or reject their loan offer. If you don’t like the terms they are offering then you are free to refuse the offer. You are not obligated to accept any loan until you have signed the contract. If you do accept and sign, your loan could be winging its way to you within a few days.
We Put Security First
There’s no need to worry about safety when applying for instant loans through Jacaranda. We work with only the most highly reputable, and regulated professional lenders. The security of your personal information is paramount which is why we will only ever share it with the lenders you are applying to in relation to each loan application. Jacaranda NZ is partnered with online security giants McAfee and Comodo to ensure your data is protected.
Jacaranda Puts Customer Service At The Heart
Our team always put our customers first. We want to match you with a lender who can offer you the loan you need. So, if you’re not happy, then neither are we. Our reputation for excellent customer service has even been rewarded, with us winning the Word of Mouth Service Award in 2017 and 2018.
We Are 100% Honest And Transparent
There are no hidden charges or clauses with our lenders. 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.
Is It Easy To Get Loans Instant Approval?
Our process is 100% online, making it as easy as possible to get loan applications approved on the same day.
This is the criteria you will need to meet to apply:
- Be 18 years of age or over
- Receive a regular income into a personal bank account for at least 90 days
- Have a direct contact number
- Have an email address
What Documents Do I Need To Provide?
A bank statement showing income for the past 90 days. You can submit this online. It will be saved as a read-only document only and will be 100% secure. Your information will not be shared with anyone other than the lenders you are applying to.
Individual lenders may ask for copies of payslips, bills, and an identity document to verify the information you’ve given. You may be asked for these once you have been matched with a lender. They may also need to contact your employer to carry out an employment check. Don’t worry, lenders employ well-trained operators who would 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?
We don’t believe that a bad credit history should shape your future, which is why we work with lenders who offer quick instant loans bad credit. As long as you can meet the application criteria above, and provide the documents required, there is no reason why bad credit should stand in your way.
Many of our lenders offer no credit check loans instant decisions, so you don’t have to wait for days or weeks to be approved or rejected. If you’re looking for instant loans online bad credit, you’re looking in the right place. Click here to read more about bad credit loans!
Can I Apply If I’m On Government Benefits?
We like to be as inclusive as possible at Jacaranda Finance. We welcome applications if you receive government benefits. All credit providers must conduct an assessment to ensure that what they’re offering you is affordable and suitable. You will still need to meet all to the other essential criteria, including the provision of a bank statement showing income from the past 90 days.
How Much Can I Borrow?
Our lenders offer loans from $300 to $10,000, with repayment terms from 12 to 24 months. Your repayment terms will depend on the amount you borrow.
How Much Will A Loan Cost Me?
How much you pay for your loan will depend on the amount you need to borrow, and how long you need to pay it back.
How Will Repayments Be Taken?
Repayment arrangements will vary depending on your individual lender, but generally, you will set up a weekly or monthly direct debit to the lender for the pre-agreed amount.
What If My Circumstances Change?
We know that life doesn’t always run smoothly and sometimes circumstances change beyond your control. If anything in your life changes significantly e.g you lose your job and 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 you give them enough notice.
Have More Questions?
If you’re almost ready to apply for instant loans but just have a few more questions, our FAQ page might be able to help. Or, if you have more specific questions or would like to talk directly to one of the team, get in touch 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.