Loan approval – how can I get it?

"Loan approval

Jacaranda NZ has the low down on loan approval!

Are you wondering how to get loan approval? Sick of spending hours and hours on applications only to be rejected? At Jacaranda NZ, we aren’t like traditional lenders. We won’t ask you to complete pages and pages of paper forms or spend hours in a line at the bank. We cut straight to the chase so you get the cash you need when you need it. Hassle-free lender finding – that’s Jacaranda NZ!

How do I get loan approval?

That’s the question on all borrowers lips. At Jacaranda NZ, we are a lender finding service so we can not speak on behalf of potential lenders. However, we can fill you in on a few basic tips and tricks. After all, we are the lender-finding experts.

Most online lenders require that all applicants:

  • 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.

This is just the basic eligibility to apply for a loan in New Zealand. Individual lenders may require different criteria. It is important to keep in mind that your credit score might come in to play whilst seeking loan approval.

What if I have bad credit?

If you’ve got bad credit that doesn’t have to spell the end of your chances at loan approval. When you apply with Jacaranda NZ we’ll show your application to a variety of different lenders so you get a better chance at approval. Some online lenders are able to take a look at where you are at with your finances currently, instead of focussing solely on the past. After all, why should a mistake you made up to 7 years ago affect your chances at getting loan approval today? Although getting approval for bad credit personal loans can’t be guaranteed, the Jacaranda NZ team do their best to give all Kiwis the fair go they deserve.

How quickly could my loan be approved?

If you’ve been googling ‘fast loan approval’ or ‘loans online with nearly instant approval’ then you’re probably wondering how quickly Jacaranda NZ could approve you for a loan. It is important to remember that Jacaranda NZ is not a lender, we are a lender finder. Our team do not approve loans we simply match borrowers with lenders who could provide loan approval. Keep in mind that Kiwi lenders do not usually provide instant approval on loan applications. Usually, the lender will conduct a thorough assessment of your loan application and this does not happen instantly. The good news is if you submit an application during AEST business hours the Jacaranda NZ team will do their best to provide you with an outcome in just 60 minutes. How quick’s that!

What documents will I need to show?

If you are trying to gain loan approval then you’re probably wondering what documents you’ll need to show to a potential lender. The good news is we won’t ask you to submit any paper forms. All of the required documentation can be submitted with your 100% online application form. Here is what you’ll need to have handy:

  • Your basic personal details (name, D.O.B etc);
  • Internet banking details (so we can securely access read-only copies of your bank statements);
  • The reason you are applying for your loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact in order to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

Can I get a loan with no credit check?

Most of the time, Kiwi lenders conduct a credit check on loan applications. In New Zealand, there is a code for responsible lending that protects consumers. This code requires all online lenders to conduct credit score checks on all loan applications. There is no reason to let this turn you off applying though. As we mentioned, many online lenders look at more than just your credit score whilst assessing loan applications. At Jacaranda NZ, we do our best to match borrowers with open-minded lenders. We know how difficult it can be to get a fair go. So, if you’ve been googling ‘instant loans no credit checks online approval’ or ‘bad credit loans fast approval’ why not scroll up and use our loan calculator to get started.

What could I use a personal loan for?

Are you wondering what you could use your personal loan to cover? At Jacaranda NZ, we partner with a variety of lenders who offer loans for a variety of different expenses. Here are just a few examples of what you could spend your money on. Remember personal loans are personal for a reason so it is really up to you what you spend your money on!

Cosmetic surgery loans

Bet you didn’t think of that one! Jacaranda NZ could approve you for a personal loan that can be used to cover cosmetic surgery expenses. The best part is you can apply 100% online anywhere and at any time. Our lender finder application process is designed for Kiwis on the go. So, if you’ve been wondering how to get loan approval, why not see what Jacaranda NZ could do for you!

Renovation loans

Have you been planning a home renovation for as long as you can remember? Don’t have the finances to make it happen at the moment? That’s where we come in. Jacaranda NZ are the specialists in lender finding. Once you’ve submitted your renovation loan application with us and you meet our basic requirements we can get to work to find you a lender ASAP! So, head to the top of the page and get started on your journey to loan approval.

Holiday loans

In need of a holiday? Let’s be honest, we all need a relaxing getaway from time to time. Or maybe you’re planning to backpack around Europe or Asia? Whatever it may be Jacaranda NZ can help you get there! If you’ve had no luck with traditional lenders, we’ve got news for you. Jacaranda NZ could find you a lender that looks past your flaws. A potential lender might take a look at where you’re at with your finances now instead of focusing on the past. So, if you’re desperately looking for loan approval, why not apply with Jacaranda NZ! Bon voyage!

Our customers

At Jacaranda NZ, we are committed to providing the very best customer service possible. We are proud to be providing Kiwis with the cash they need without the fuss of traditional lenders. Our team understands that when you need fast loan approval there is no time to waste! We work hard to match all applicants with compatible lenders, but it is important to keep in mind that this is not always possible. If you’re looking for loan approval why not apply with an online lender finder you can trust. You could receive an outcome in just 60 minutes when you apply during regular business hours. Oh and the best part? Our services are absolutely free!

What are you waiting for?

Now you know the knitty gritty about applying for loans with Jacaranda NZ, don’t waste any more time! We are the lender-finding specialists and are ready to match you with a lender to provide you with the cash you need today! Scroll up to choose a loan amount!

Keep Reading

Like what you’re reading? check out the jacaranda NZ blog for more interesting content such as romantic getaways and loan eligibility.

Like what you're reading?

Read more like it

Looking for an emergency loan?

Read more >

Blog Post Thumbnail

Looking for Little Loans? Jacaranda NZ Has the Lowdown

Read more >

Blog Post Thumbnail

Loan approval – how can I get it?

Read more >

Blog Post Thumbnail

Personal Loan Interest Rates: What Should You Be Paying For a Loan?

Read more >

Blog Post Thumbnail

Loan Eligibility: How to know if you’re eligible for a loan

Read more >

Blog Post Thumbnail