Rapid Loans


rapid loans

Life does not run according to our plans and sometimes that next payday can seem a million miles away and you need fast money. Imagine what will happen if an unexpected medical emergency hits and effects your monthly budget, and your payday is far away. You may not have enough cash to pay for that medical procedure out of pocket. Fortunately, you can apply for a lender that may be able to offer a potential financial solution to assist with the sting of unexpected costs.

The bad news is that some lenders and lender finding websites can take days to process your loan application. On top of that, they make you fill in lengthy applications. We understand that sometimes you need cash fast and that you can’t afford to wait for days to have your application approved and funds transferred to your account. That’s why at Jacaranda Finance NZ, we process your loan application within minutes and connect you with lenders who offer rapid loans.

When you need access to cash fast and can’t wait for days or weeks, rapid loans from our lenders can help. Applying for a rapid loan through Jacaranda Finance NZ is super fast and really simple and your loan application may just get approved within the same business day (varying between lenders).

Why You May Need a Rapid Loan

Want to fix your broken car? Want to replace some household appliances? A rapid loan through Jacaranda Finance NZ could be the right option for you. It’s easy, quick and straightforward. That’s what Jacaranda NZ is all about – fast and accessible online loans.

Rapid Loans for Dental

Some dental procedures in New Zealand come with a hefty price tag. Many New Zealand residents can’t afford to pay for them out of pocket, which is why they postpone their treatment until they have saved enough to finance the treatment. Not ideal, really. If you don’t get that much needed dental procedure done, your condition may worsen. Eventually, you’ll have no option but to go to a dentist to have the treatment done.

Instead of going through all this trouble, use a rapid loan to finance your dental treatment. With a rapid loan, you can spread the cost of your treatment over time. Fill out our super simple application and we may be able to match you with a lender who could provide the short term loan you need.

Rapid Loans for Car Repairs

Imagine you were driving through the scenic Milford Road and all of a sudden your car brakes down. The car is then towed to a repair shop and the mechanic hasn’t advised you the cost of getting your vehicle back on the road. Those repairs will put a big dent in your wallet. If you pay for them out of pocket, you won’t be left with enough cash to pay your rent and other bills. Don’t worry, it doesn’t have to come to that, just apply with us and we might just be able to find you a lender who can offer the financial support you need.

We can help you find a lender that offers rapid loans for car repairs. With a loan from one of our lenders, you can spread the cost of car repairs over time. You won’t have to worry about the repairs upsetting your budget. Fill out our easy and simple loan application and we’ll connect you with a trusted lender in our network.

Rapid Loans for Holiday

You are planning to go on a vacation and have been saving up to pay for it out of pocket. A cheap flight suddenly pops up, but you still don’t have enough money to afford it. It could be the perfect opportunity for you to go on the holiday you’ve always dreamed of; should you ignore it? Definitely not, especially when Jacaranda Finance NZ has got your back.

We can help you find a lender fast so you don’t miss that cheap flight. Fill out our super simple loan application which takes a few minutes to complete and, then we’ll get straight to work finding you a lender that suits your situation. If all goes well, you may receive an outcome within 60 minutes. However, approval times vary as they are subject to each individual loan application.

Rapid Loans For Home Improvement

You may be thinking about increasing your home’s curb appeal by renovating your home. However, home improvement projects tend to be expensive. You might not have enough cash on hand to pay for home renovation out of pocket. Should you forget about the home improvement project just because you’re short on cash? The answer is no. That’s because you’ve got Jacaranda Finance NZ to help you out.

We can connect you with lenders who offer rapid loans for home improvement. All you have to do is complete our loan application and we’ll find you a lender. We have a large network of lenders who offer home improvement loans which means that you have a good chance of finding a loan for home renovation through Jacaranda Finance NZ.

Rapid Loans For Medical Procedures

In the Pixar classic, Ratatouille, the mouse Remi wisely said: “The only thing predictable about life is its unpredictability.” An unexpected medical emergency can hit your wallet hard and make it difficult for you to manage your finances. No matter how careful you are, there are always things that you cannot plan for.

That’s why, at Jacaranda Finance NZ, we are happy to help you find lenders who offer loans for medical treatments. Our lenders can give you a helping hand in tough times. So, when you need cash fast for a medical procedure, fill out our application and let us find you a lender.

Rapid Finance Bad Credit Loans

When unexpected expenses start to creep up and you need cash fast, the last thing you want to hear is your loan getting denied because of bad credit. At Jacaranda Finance NZ, we understand that your past may not be perfect, but that isn’t necessarily a representation of the present. We believe that credit score shouldn’t stop anyone from getting a rapid loan. That’s why we network with lenders who shouldn’t judge you based solely on your credit score.

Our lenders will most likely check your credit score, but they also consider your current finances. This means you may qualify from our lenders if your current relationship with finances is healthy. We can’t promise that you’ll get approved, but we do our best to find lenders that you’ll get a fair go.

Rapid Cash Loans

With a rapid loan, you can get access to funds fast. You may get approved within 60 minutes and have funds transferred to your account within the same business day (approval times vary and are subject to each individual application).

Sounds too good to be true, right? You may be thinking, “There’s bound to be a catch.” Well, there is no catch. We’re the middleman between you and your next lender. Skip the hassle of searching for a lender online and completing the endless cycle of applications. Apply with us and complete one application for access to hundreds of lenders! Get back to what you love, whilst we take care of your application.

How It Works

Step 1 – Submit Your Application

Fill our simple and user-friendly application form. It only takes a few minutes and you can fill it from the comfort of your couch. To get started, just scroll up and you’ll find our loan calculator. Select how much you wish to borrow and for how long. Once you are happy with your proposed loan terms, click the ‘Apply Now’ button, then you’ll be taken to an application. Enter a few more details, click submit and you’ve applied!

Step 2: We Evaluate The Application

After you submit your application, our team gets to work finding you a lender that can say ‘yes’! You can sit back and relax, whilst we do all the legwork for you. If we find you a lender, we’ll let you know straight away.

Step 3: We Locate A Lender

If we do find you a lender, we’ll let you know via SMS or email. Then, your lender should be in touch shortly. You may get an outcome on your application from the lender within 60 minutes. However, approval times may vary depending on your application. We use industry best practices to ascertain you get a response and connect with your lender as soon as possible.

Are You Eligible?

The general criteria followed by all our lenders are that you must be:

  • Over 18 years of age
  • Must be a recipient of regular income into a personal bank account for at least 90 days
  • Must have a direct contact number
  • Have an internet banking account

Just tick off these requirements and you’re ready to apply right now!

Can We Accept Clients On Welfare?

Absolutely, if you’re looking a personal loan and you also receive welfare payments, you can apply with us for a fair go. We can find lenders that consider welfare payments as a regular income as long as you’ve been receiving them for at least 3 months.

Some clients may even receive welfare payments on top of a regular income and get knocked back by the big banks. At Jacaranda Finance NZ, it’s different. We find lenders that don’t just say to clients receiving benefits, instead, they assess your current relationship with money. Just like bad credit clients!

When the banks say no, we could say yes!

Why Jacaranda Finance NZ?

You may ask us why you should choose Jacaranda Finance NZ over other lender-finding websites. Well, there are many reasons why we are a cut above the rest.

No Paperwork!

For instance, we don’t make you fill mountains of paperwork to apply for a rapid loan. All you have to do is fill our simple application which takes a few minutes to complete. Not only that but when you use our lender-finding service, you know exactly what you’ll be paying. The lenders we find disclose all costs in your loan contract. We find trusted, quality lenders that can offer the loan you need.

Quick Application

Still not sold on using our lender finding service? Well, if you apply for a rapid loan during normal business hours, we may process your application within minutes. However, approval times from lenders vary as they are subject to each individual application. Moreover, we network with lenders who can approve an application and transfer the funds to your accounts within the same business day (if you apply during normal business hours). Now that’s what we call rapid.

A Fresh Take On Bad Credit

Another great thing is that we can find lenders that have a different take on bad credit. They can look at your current relationship with money, rather than just your credit score. We work with lenders who consider more than just a credit score when assessing a loan application. This means bad credit won’t necessarily stop you in your tracks.

A medical emergency strikes you. Your car breaks down in the middle of the road. Your air conditioner starts leaking. Whatever the case may be, you need cash fast. In times like these, count on Jacaranda Finance NZ to get you out of trouble. Let us find you a lender that can offer you a rapid loan and gives you access to funds fast!

Ready To Apply?

Then, just scroll up and get started with our loan calculator. Complete an application in minutes and we’ll get to work finding you a lender in no time.

Want to know more? Why not find out if you could be eligible for a cash advance loan or even a loan for people with poor credit scores.

Examples of what loans might cost.

Personal Loans

Loan Amount



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12 Months

24 Months

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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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