Finding Quick Cash Till Payday in NZ
Quick cash, made easy!
Are you running out of cash and your next payday is still a while away? Been hit with a surprise bill and can’t wait until your next payslip? Well you’ve come to the right place! Jacaranda Finance NZ is a lender finding service that can help you access cash till your next payday.
Payday loans provide an alternative finance option to your standard conventional loans. They enable you to pay for liabilities, car repairs, medical bills and other unexpected expenses that pop up. If you need some cash before your next payday arrives, a personal loan could be a great option for you.
Personal loans can help you out of a sticky situation. If you don’t know who to turn to when the unexpected strikes, then why not apply with Jacaranda NZ. We can match you with a reputable lender to get you the cash you need quickly.
How can I get quick cash till payday?
If you need a quick cash loan, all you need to do is scroll up to the top of this page and submit an application – it’s super quick and simple! Depending on your loan preferences and personal circumstances, we’ll do our best to match you to a suitable lender.
As a lender finding service, Jacaranda Finance NZ cannot guarantee that we can find you a lender willing to give you a loan. However, we do work with flexible lenders who can look past credit score, or government benefits when assessing your application.
The lenders that we partner with are registered lenders that follow New Zealand fair lending practices. You are assured of complete privacy protection. If you are applying within our business hours, you could get an outcome on your application in as little as 60-minutes*. Better that, thanks to the New Payment Platform, you get your cash almost instantly after you sign your contract**.
Who is Jacaranda Finance NZ?
Jacaranda NZ is an online lender-finder committed to helping customers throughout their loan journey.
Let’s be honest, no one has the time of day to be sifting through Google results to find the perfect lender. There are just too many options. That’s what we’re here for! Jacaranda NZ offers the best lender-finding service in New Zealand. If you meet our eligibility requirements we’ll do our best to find you a personal loan to get you your cash till payday.
Our online platform can connect you with reliable lenders to provide you with the cash you need before your next payday. It can also reduce you from multiple hard inquiries on your credit file by finding a lender suited to you. The application process is 100% online meaning you could apply, anytime, anywhere and we’ll do our best to find you a match! Not only that but your lender could even give you an outcome in as little as 60-minutes*.
How can we help?
Applying through Jacaranda Finance NZ provides multiple benefits. We can give you access to cash till payday and a variety of personal loans. You could even get your cash on the same day.
Jacaranda NZ only partners with lenders that are committed to responsible lending practices. You are assured of protection against any exploitation. In case of any doubt or difficulty, our customer support are known for their excellent support and are always ready to help out.
We strongly believe in making credit accessible to as many Kiwis as possible. We ensure you have the best and fastest chance at loan approval with wider selection criteria from a host of lenders. This allows fast credit regardless of credit score, income and job status.
The application process is 100% online and this ensures easier and faster loan requests.
Who can apply with us?
Jacaranda Finance NZ strives to ensure credit accessibility for all. It has set basic eligibility criteria for screening and makes sure you get a fair go at applying for a loan. Borrowers also need to submit a few documents required for loan processing and approval.
To apply for cash till payday at Jacaranda Finance NZ, one should
- be at least 18 years of age
- be a permanent resident or citizen of New Zealand
- have a bank account with internet banking details
- have an active mobile number and email address
- have a regular income for the last 90 days into a personal bank account
Apart from these, a borrower requires you to submit documentary evidence for
- personal details, including age, date of birth, place of residence, citizenship
- internet banking details
- details of employment details
Can I get cash till payday if I have bad credit?
At Jacaranda NZ, we don’t believe a bad credit history should determine your future. That’s why we can find lenders who can provide bad credit loans. So provided you meet the eligibility criteria and are able to submit all the relevant documents, a bad credit loan could be the best option for you to get the cash you need.
Instead of assessing your application solely on the basis of a credit check, the lenders we partner with can instead put more weight on factors such as spending habits and relationship with money. We don’t think you should be punished for a mistake you made up to 7 years ago. So if the lender we match you with can see that you’ve been responsible with your finances lately, you could have a good chance of approval.
When should I borrow money?
Ultimately, it’s up to you when you should borrow money. However, you should be cautious when seeking cash till payday. Avoid making payday loans a habit. You not only pay high-interest rates but also run a risk of ending up in a debt trap.
As payday loans are pricey, you have to repay a substantial part of your paycheque. This may force you to cut expenses and compromise on your lifestyle. If you borrow more to maintain your lifestyle, you may fall into a vicious cycle of debt.
Therefore, borrow cash till payday only when:
- You have the need for funds to meet an emergency.
- The requirement is pressing and it impacts your ability to live or work.
- You don’t have to compromise on your future expenses after repaying the loan.
- There are no risks of any debt trap.
- You are assured of safety associated with the borrowing.
Alternatively, you can apply for a personal loan through Jacaranda NZ’s lender finding service. This is more of a long term option but it can save you from applying for multiple payday loans.
What are the most important things to consider when borrowing money?
Cash till payday offers easy and fast access to funds. However, you must exercise caution while borrowing money from lenders to ensure your financial safety. Here are some important things to consider when seeking a payday loan.
- Only apply if you’re confident in the authenticity of the lender. Check their credentials online as well as online reviews. Ensure it has the requisite license and it follows the standard for responsible lending.
- Explore all options. While looking for a payday loan, also check if you can get equivalent personal loans that come with a lower rate of interest. a small personal loan may have better repayment terms suited to your circumstances
- Focus on your financial safety first. Make sure the lender is not going to exploit you or force you to pay a higher cost. Check all your options well before agreeing to a loan.
- Borrow only what you are capable of repaying. Don’t try to apply for a loan that considerably exceeds your need for funds or put an extra burden on you while repaying.
- Inquire about fees beforehand. Make sure there are no hidden fees you have to pay later on. Calculate the total cost of the borrowing.
- Borrow money only when you need it. Don’t try to fund luxuries of life with loans.
How to apply online
Applying through Jacaranda NZ’s online lender-finding service is super quick and easy. You just need to follow a few simple steps. If you’re having any trouble with your application you can get in touch and we’d be happy to answer any questions you have. Although we can’t accept applications over the phone, we’re happy to troubleshoot where necessary.
Step 1: Apply online
To begin, just scroll up to the top of this page to find our loan calculator. Using the slider, select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’
Step 2: Fill out the application
You’ll then be taken to our 100% online application form. This should only take you a few minutes to complete. We’ll only ask you for the essential details. To find out what documents you need, we have listed these for you above. When you’re finished click ‘Submit.’
Step 3: We’ll look for a lender
Once we’ve received your online application, we’ll begin the search for a lender. If we’ve found you a suitable lender that matches your personal circumstances and preferences, we’ll let you know quickly! We’ll put in touch with your lender to proceed with the application.
Step 4: You’ll be assessed
The lender we’ve matched you with will then assess your application to see if a personal loan is suitable and affordable for you.
Step 5: get your cash
If you’re approved, congratulations! Your lender will then send you a copy of your loan agreement for you to review and sign. We recommend you thoroughly read through the terms and conditions to make yourself aware of any fees and charges for late or missed payments. Once you’re happy, electronically sign your agreement.
Once your lender receives your signed copy of your agreement they’ll transfer your cash straight away. if you have an NPP enabled bank account then you could get your cash in just 60-seconds!
Apply online now!
Are you in immediate need of funds? Looking for a safe way to borrow cash till payday? Find out the amount you can comfortably repay and apply at Jacaranda Finance NZ for quick, easy cash.
With Jacaranda NZ, we make applying for loan super simple. So forget sifting through Google results to find a lender. Let us find one for you! In case of any query, you easily contact its customer care, which is always ready to help you find the best possible solution to your loan requirement. The online application process is the easiest to make a loan request. With a large pool of registered lenders, you have an excellent chance to get a loan of your choice.
*If you apply during regular business hours
**Subject to NPP enabled bank accounts