Need fast cash? Jacaranda Loans NZ can help you find lenders offering quick cash loans!

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Quick cash loans are a type of personal loan, of an amount between $300 and $10,000. They can be applied for and accessed in a short space of time. Quick cash loans can be secured or unsecured and can be borrowed over 12 to 24 months. These factors are dependant upon the loan amount and your individual profile.

quick cash loans

Quick cash loans – what are they?

In plain terms, quick cash loans are finance options of $300 to $10,000 that are available fast. However, quick loans can be so much more than that.

Having to deal with unexpected expenses is just par for the course when you’re an adult. Even though we know they’ll come along at some point, it’s impossible to predict when the unexpected is going to happen. For those who have some savings tucked away, an unexpected bill might not seem like anything more than a minor inconvenience.

However, if you don’t have much cash to fall back on, a bill that comes out of the blue could really put you in a bind. In a situation like this, quick cash loans could help you out. Worried that bad credit might stand in your way? No need to be! Read more about quick loans bad credit here!

Quick cash loans go against some of the conceptions you might have about loans in general. There are no ridiculous requirements, piles of paperwork or long waiting lines blocking you from applying. These fast loans offered by online lenders, and they understand that speed is key.

If you need funds of short notice and have had trouble getting a loan from a bank in the past, a quick cash loan might be what you’re looking for.

What can I do with quick cash loans online?

Quick cash loans have a bunch of different uses in everyday life and beyond. A better question might be “What can’t you do with quick cash loans?” Let’s go through a couple of scenarios that could happen to just about any of us to illustrate how helpful quick cash loans can be.

We all love our pets to bits, but they also tend to burn a hole in our wallets. Food, toys, and general accessories are things that we all sign up for when we first get a pet. However, it’s those pesky, unexpected vet bills that can really place a burden on your bank balance. If your favourite animal friend needs some treatment and you don’t quite have the funds to pay for it, why not look into quick cash loans online?

Quick cash loans online can also help you out in times of non-emergency. For those of us with our own homes, there are probably some renovations that, in an ideal world, we’d start tomorrow. However, money is usually the obstacle that stops us from making those home improvements. It doesn’t have to be! Quick cash loans online could get you the cash you need to make your home look even better.

So, those are just a couple of examples of what quick cash loans online can do. What would you use yours to pay for?

What does Jacaranda Loans NZ have to do with quick cash loans?

We’re a lender-finding service, so we can find providers of quick cash loans online for clients.

Quick cash loans online and the lenders that offer them can be really helpful to a wide range of people. However, it’s not always easy to find these lenders. Many people are still stuck in the mindset that if you’re looking for a loan, you go to a bank or other traditional lender. This means that if they are unable to access the finance they need through this avenue, they might think that there are no further options available to them.

This isn’t necessarily true. In fact, quick cash loans online might be the kind of fast and straightforward finance option they’re after.

Even if you are aware of online lenders and quick cash loans, there are a lot of options to choose from. Searching for quick cash loans online will yield page after page of results which would take forever to go through on your own. The solution? Apply with Jacaranda Loans NZ!

To use our lender-finding service, all you have to do is submit one quick application. You’re already saving time! From there you can sit back and relax as we search for lenders. That’s right – we do the hard work for you. Not only that, but we can provide you with an outcome to our search for lenders super fast as well!

How do I apply for quick cash loans?

FIlling out an application form doesn’t have to be a long and tedious process. You might not believe this if you’ve applied for a loan with a traditional lender before, but Jacaranda Loans NZ is different. To use our lender-finding service, all you have to do is fill out one application which can take just minutes to complete!

Before you start the application, just make sure that you’re eligible. We ask you to meet a few simple requirements which will provide is with the basic details we need to start searching for lenders.

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;

If you qualify, you’re ready to fill out an application form. You can find the Apply Now button at the top of any page on our website, which will take you to the application form. Here you’ll also see our cash loan calculator, which allows you to see an example of the possible repayments for your desired loan amount. Keep in mind that these figures are not final.

Filling out one of our application forms is a breeze. In just a few minutes you can be all done with your feet up as we search for lenders. If we find one for you, we’ll refer you to them, and they’ll contact you as soon as possible. Finding a lender has never been so simple!

Can I get a cash loan for bad credit?

Yes! It is possible to get a cash loan for bad credit. Not only that, but those with bad credit can apply with our lender-finding service! All you have to do is meet the eligibility requirements.

Bad credit can happen to just about anyone, and even those with bad credit might not realise that they have it. Over 90% of Kiwis don’t actually know what their credit score is. That means that many people might have bad credit but are completely unaware. This can make for a rude shock if you apply for a cash loan, only to be rejected for a bad credit score that you didn’t know you had.

So, how does bad credit happen?

In New Zealand, your credit score exists on a scale between 0 and 1,000 in the case of Illion and Equifax, and 0 to 1,500 for Centrix. Your credit score can be brought down by negative information on your credit report. Perhaps the most common type of negative credit info is a credit default, often caused by missed or even late payments. Some negative information can remain on your credit report, affecting your credit score, for as long as seven years.

Your credit score doesn’t necessarily paint a crystal clear picture of your current financial situation. It’s quite possible that you defaulted on some payments several years ago, but have since turned things around while your credit score still hasn’t entirely recovered. Traditional lenders tend to assess loan eligibility purely based on credit score, meaning those with bad credit don’t have much chance.

At Jacaranda Loans NZ, we understand. If you’re looking for a cash loan for bad credit, we can find lenders that might be able to help!

What if I’m receiving Government benefits?

Our lender-finding service is even available to those receiving Government benefits! If welfare payments make up some or all of your income, there are advanced finance options available to you. However, you can also apply with our lender-finding service! So if you meet all of the requirements (with your welfare payments counting towards the income section), you can apply and we’ll happily try and find a lender for you.

Do you conduct credit checks?

No. Here at Jacaranda Loans NZ, conducting a credit check is not part of our process for finding the lenders. We will not ask you what your credit score is, and you only need to meet the basic requirements to apply.

That being said, some of the lenders that we can find for customers may conduct credit checks. Whether or not the lender we find for you conducts a credit check will depend on their own policies. Even if they do, it doesn’t mean that they will reject you simply for having bad credit.

Online lenders tend to have a more forgiving view of bad credit than their more traditional counterparts. Their primary focus is usually on your current ability to afford a loan – this is where your past 90 days of bank statements come into the mix. If online lenders can see evidence that you’d be able to make your repayments, they might be able to approve your application even if you have bad credit.

Being aware of your credit score is important, especially if you’re on the hunt for some extra funds. The New Zealand Government website has tips for how to check your credit score.

How much do quick cash loans online cost?

We do not control the costs of cash advance loans, and as such can not guarantee what terms and fees a lender might offer you in your loan contract. However, we can give you an idea of the types of costs that are typically involved with loans.

$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.

If you do not make the repayments on your loan, there may be additional fees.

Ensure that you read and understand everything in your loan contract before you sign it. If you need to clarify anything, contact your lender.

Are quick cash loans your cup of tea?

If quick cash loans online sound appealing to you, there’s one way to find lenders fast: Jacaranda Loans NZ! We are able to find lenders that offer quick cash loans online in a short space of time.

Want more information about us and what we do? You’ve come to the right place. We recommend that you take a look at our how it works page, costs breakdown and FAQ section. For any questions that need special attention, you can contact us.

Ready to start your journey to access quick cash loans online? Filling out an application form for Jacaranda Loans NZ’s lender-finding service could be the first step. Apply now!

Need some spare cash for a trip to the dentist? You could be eligible for a dental loan with Jacaranda NZ!

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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