Are You Searching For Holiday Loans? You’ve Come To The Right Place…

"Are You Searching For Holiday Loans? You’ve Come To The Right Place…"


Come holiday season, it starts to feel like all you’re doing is spending money. Emergencies pop up and suddenly you can find yourself overwhelmed. Sometimes you need the money and you need it fast. It isn’t always possible to borrow from friends, family, banks or credit cards… that’s where we come in. Jacaranda connects you with lenders who offer small holiday loans with minimal hassle. So, if you’ve been searching for holiday loans or Christmas loans, look no further! Jacaranda can help you stay on top of this year’s festivities with finance now.

Fast Loans At Your Fingertips

Jacaranda specialises in finding you a loan to suit your needs with quick turnaround time. We work with lenders who may offer holiday loans to people all over New Zealand.

We are so fast, you could even receive your loan on the same day you apply! Some of our lenders offer holiday loans with the same day payout.

Why Choose Jacaranda?

We are a 100% online lender-finder service. Although you may have seen many lenders offering small Christmas loans, we are a cut above the rest. Want to know why?

Holiday Loans No Paperwork

Everything is done online, there is no need for time-consuming paperwork. Our simple application can be done on your laptop, or smartphone, and only takes a matter of minutes. We ask for a few simple details about your personal circumstances, and the loan you want. No need to attach endless documents, or write us an essay about your life!

Apply Anytime Day Or Night

You can submit an application to us anytime – day or evening, weekday or weekend. So if you’re busy at work during the day, just do it when you get back home! We work with lenders who can offer holiday or Christmas loans even on weekends. However, please note that processing times are between normal business hours.

One Hour Turnaround

Once you’ve applied we could be touch within just 60 minutes! If we’ve found a lender to match your request we will put you in touch with them directly so you can discuss further. If you apply outside of business hours it may take slightly longer to get an answer, but we will get back to you within one business day.

Once we’ve matched you with a lender, you could have your loan set up within one working day! So if you’re looking for small same day loans, then you’ve come to the right place. Keep in mind we cannot guarantee the response will be within 60 minutes but that is our usual turnaround time!

Get The Best Rates

Because our online form allows you to apply to multiple lenders, we can get you the best chance of being approved for fast loans at the rate you want! No need to wait for days for lenders to get back to you, or to be offered a loan with exploitative interest rates. We make things easy, simple and quick!

Award-winning Customer Service

Our customers are at the heart of what we do. Our reputation for excellent customer service has earned us two Word of Mouth service awards in recent years. We live by the motto – “If you’re not happy then neither are we!. If you have any issues with your loan application or have any pressing questions, don’t hesitate to contact us!

We Keep You Safe

We work with only the most reputable lenders who will provide their full rates and costs before you sign a contract. No hidden charges or exploitative rates. We connect you with honest, transparent lenders.

How Does It Work?

Applying for small holiday loans through Jacaranda couldn’t be easier. The whole process takes only three steps, and the application submission only requires a couple of minutes of your time!

  1. Apply For Free Online: Our simple loan application form takes no more than a few minutes to complete. We just take some basic personal information and details of the loan you need. We also require a copy of your bank statement to prove 90 days of income. Your loan application will be put in front of multiple lenders and we will do our best to match you with one to suit your needs.
  2. Play The Waiting Game: Don’t worry, the waiting game doesn’t last long with us! We will do our best to get back to you within 60 minutes if you apply within normal business hours. If we’ve found a match, it will then be up to the lender to contact you directly to discuss your loan in more detail. If you apply outside of business hours we will get back to you on the next business day.
  3. Your Loan Awaits: If you’ve been approved for a loan, your lender will contact you directly to discuss the details. Sometimes they might ask for some further information and documents. If you’re happy with the contract you’re offered, all that’s left to do is sign it and set up a repayment plan with your lender. Once that’s done your holiday loan could be on it’s way to you the very same day! Easy right?

Can I Apply For Holiday Loans?

We welcome customers from all different walks of life. You just have to meet some simple criteria to apply for a loan with Jacaranda.

Can you say yes to the following questions?

  • Are you 18 years old or over?
  • Do you have provable, consistent income for the past 90 days?
  • Have you got a valid telephone number?
  • Do you have a valid email address?

If the answers to the above questions are YES, then YES you can apply!

When you apply for your holiday loan, you will also need to provide us with a bank statement showing income for the past 90 days.

Your lender may also require documents like the following:

  • Copies of payslips
  • Copies of bills
  • A form of identification
  • Your employers contact details. Your lender may need to do an employment check to confirm you are employed.

You are also eligible to apply for holiday loans if you are receiving government benefits. You will still need to provide a bank statement to show 90 days of income as well as your Centrelink Income Statement.

Can You Get Holiday Loans With Bad Credit?

We don’t believe in discriminating against customers due to bad credit history. We are proud to work with lenders who offer holiday and Christmas loans to people with bad credit. Many lenders may perform a credit check but will base your application on other information included in your application and your current financial situation.

How Much Can I Borrow?

We work with lenders who offer personal loans from $300 to $10,000 with repayment terms from 12 to 24 months. Your approved loan amount and repayment length will depend on your individual circumstances. This will be decided on a lender-to-lender basis.

How Much Will My Loan Cost Me?

The overall cost of your loan will depend on a number of factors including:

  • How much you borrow
  • How long you need to pay it back
  • Your personal circumstances
  • The lender’s individual rates.

Because there are so many variables it is very difficult for us to tell you how much your loan will cost you. Our handy loan calculator could help to give you a better idea. Typical interest rates vary between 1.5% and 20%.

The calculation below is an example of what a loan might cost:

Loan amount: $2,500 repaid over 13 months
Weekly payment: $75.05
Total interest: $1,702.80
Total repayable: $4,202.80
Monthly interest rate: 9% AIR: 108%

*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.

Your Repayments

Your repayment arrangement will be set up directly with your lender. Exact terms will vary from lender to lender, but generally, you will set up a direct debit on a weekly or monthly basis.

If your circumstances change and you are concerned that you may not be able to keep up with repayments, you should contact your lender straight away. Your lender may be able to work out an arrangement to stop you defaulting on your loan. For more information on your rights with regards to repayments and insurance, take a look at our Information Statement.

Got More Questions?

We know we’ve loaded you with a lot of information here, and it may take a little while to digest! If you have any more questions about the process, you may want to check out our FAQ page. Alternatively, if there’s something specific you’d like to ask us about, you can contact us directly via our online enquiry form.

If you’ve heard enough and you’re ready to apply for holiday loans, all you need to do it fill out our online application form now!