Have You Been Looking For A Lender To Provide A Secured Personal Loan? Jacaranda NZ Could Be The Lender You’ve Been Searching For!

"Have You Been Looking For A Lender To Provide A Secured Personal Loan? Jacaranda NZ Could Be The Lender You’ve Been Searching For!"

No matter how careful you are with money, sometimes life throws you a curveball, and you suddenly have bills you can’t afford. What’s more, delaying payment may even result in higher fees, a hit to your credit rating, or even legal issues. Whether it’s to pay for rent, utilities, unexpected car repairs, or something else, when you need a secured personal loan, it’s crucial that you use a lender you can trust.

Jacaranda Finance NZ works with reliable lenders to grant instant loans to those who need them. We’ve already helped thousands of people, all over New Zealand, find loans that appropriately address their financial situation.

When Traditional Borrowing Isn’t An Option…

Sometimes it’s hard to access a secured loan. Banks are often unwilling to approve loans or grant credit cards to people with bad credit scores. Perhaps they won’t provide the amount of money you wish to borrow, or the application process is lengthy and you need money now.

We’ve got your back.

Why Choose Jacaranda?

There are plenty of companies promising instant cash loans, but not all of them are trustworthy and not all of them are suitable for your requirements. Who will approve you? Who will give you the best rates? Who can you trust?

Jacaranda Finance NZ prides itself on finding the best loan solutions, suited to each applicant’s individual circumstances. Here are a few more reasons to choose Jacaranda:

It’s Free!

The best things in life are free, and our application process is no different. Our service is completely free for you to use and, until you sign a contract with a lender, you are under no obligation to pay a cent to anyone.

Online Service

Our service is 100% online, which means no long phone calls or sitting in a queue, listening to dreadful hold music. Simply fill in our easy application form – it takes a matter of minutes – and we’ll get to work finding you an appropriate lender. If a lender is found, we’ll send you an email, asking more details if required. Need help securing a personal loan? You got it!

Apply Anytime, Anywhere

Our easy online service makes finding a loan easier than ever. There’s no need to take time out of your day to make phone calls or visit a lender – it’s so straightforward, you could easily fit it into your workday. Why not apply now?

Rapid Responses

When you need a secured personal loan, you can’t be waiting around for lenders to get back to you. At Jacaranda, we pride ourselves on being able to give applicants an answer ASAP. In fact, if you apply within normal business hours, we will endeavour to find you a lender that same day. We’ve even been known to find a match within 60 minutes! Applications received outside of business hours will take a little longer, but we will still get back to you on the next working day!

Once we’ve put you in touch with a lender, you’re still under no obligation to accept their offer. If you don’t like the terms they are offering then you are free to refuse it.

If you do accept and sign, you could have the loan in your account within a few days.

Safe And Secure

Your financial details are private, and the internet is rife with bad guys trying to steal them. As such, Jacaranda takes the security of your information very seriously indeed.

Working with only the most reputable, regulated professional lenders, we only ever share your details with the lenders you are applying to. What’s more, we are partnered with online security giants McAfee and Comodo, ensuring your data is protected.

Customer Service Is Everything To Us

We care about our customers and put their satisfaction above all. Our goal is to match you to a lender who can offer you the service you need, and if you’re not happy, then we’re not happy. If you need a secured personal loan, we want to help you get it.

Don’t just take our word for it: our excellent customer service has been awarded the Word of Mouth Service Award twice, in 2017 and 2018.

Total Transparency

When you find a lender through Jacaranda, there are no hidden charges or clauses. Each of the lenders we work with must provide full disclosure of interest rates and repayment terms before asking you to sign the contract. And it goes without saying that you should never sign a loan contract unless you have a full understanding of the conditions.

I Need A Secured Personal Loan Now! How Quick Can I Get Approval?

With our easy, 100% online application process, we make it as easy as possible to get loans approved, same day. However, you must meet the following criteria:

  • Be 18 years of age or over
  • Receive a regular income into a personal bank account for at least 90 days
  • Have a direct contact number
  • Have an email address

What Documents Do I Need To Provide?

A bank statement showing income for the past 90 days. You may submit this online, where it will be saved as a read-only document and will be 100% secure. Information will not be shared with anyone other than the lenders you are applying to.

Lenders may ask for copies of payslips, bills, and an identity document to verify the information you’ve given. They may also need to contact your employer to carry out an employment check. However, lenders employ well-trained operators who will treat your case with discretion, never disclosing personal information about you or your application to your employer.

Secured Personal Loan With Bad Credit History

A bad credit history shouldn’t shape your future. If you need a secured personal loan bad credit unemployed we may still be able to help.

As long as you can meet the application criteria listed above, and can provide the necessary documents, we will do our best to help match you with a lender.

In fact, many of our lenders make instant decisions, without even performing a credit check. As such, you won’t have to wait for days or weeks to know if you’ve been approved. So, if you need a secured personal loan now but have a low credit score, you’ve come to the right place.

Can I Apply If I’m On Benefits?

At Jacaranda Finance, we try to treat everyone as equals, and will not refuse someone a loan simply because they receive government benefits. If you’re looking for a secured personal loan, we will try to help you and take a look at your whole financial situation, regardless.

It is the responsibility of the credit providers to conduct an assessment to ensure that the loan they offer you is affordable and suitable. You will still need to meet all of our other criteria, and this includes providing a bank statement proving income from the past 90 days.

How Much Can I Borrow?

Our lenders are able to offer loans from $300 to $10,000, with repayment terms from one to two years. Your repayment terms will depend on how much you borrow. For example, the maximum repayment length for between $300 and $2,000 is 12 months. To borrow between $2,000 and $10,000 your repayment term can be between 13 and 24 months.

How Much Will A Loan Cost Me?

How much you pay for your loan will depend on the amount you need to borrow, and how long you need to pay it back.

The interest rate you will pay on your loan varies between 1.5% and 20% per month.

Loan repayment example:

  • You borrow $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 amount available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.

How Do I Repay The Loan?

Repayments will vary from lender to lender. However, you will usually be required to set up a weekly or monthly direct debit. This allows for easy repayments on a predictable schedule.

What If Circumstances Change?

Life doesn’t always run smoothly. Sometimes circumstances – and your finances – can suddenly change, beyond your control. If something significant happens that may impact your ability to repay your loan e.g you lose your job, you must contact your lender as soon as possible. It may be possible to make changes to your arrangement if the lenders are given enough notice.

Any More Questions?

Do you wish to know more? Head over to our FAQ page for further information. Or, if you have more specific questions or would like to talk directly to one of the team, get in touch today!

If you need a secured personal loan now and want to apply right away, you can do so here.

Want to find out more about Jacaranda Finance? Come say ‘hello’ to us on social media. We can be found on Facebook, Twitter and Pinterest.