Personal Loan Pal NZ can help find lenders offering cash loans!
Cash loans between $50 and $4,600 are a type of finance option used by people to pay for a variety of expenses. They are available to those with bad credit. Depending on the amount, they can be either secured or unsecured.
Firstly, what is Personal Loan Pal NZ?
In short, we can be your number one pal when it comes to finding a provider of cash loans. If you apply with us, we get out there on the old world wide web and see if we can find a lender for you. We know how important your time is, so we won’t waste it by dawdling or twiddling our thumbs. That’s why we always endeavour to deliver fast outcomes for our customers. If we do find a lender for you, we can refer you to them in minutes as well!
What we offer
Personal Loan Pal is a lender-finding service. We are your pals when it comes to finding lenders who can provide cash loans, and we never dawdle on the job. Just like the rest of our service, you’ll find our application process fast and efficient. In fact, you can fill out an application in just a few minutes! Grab a bite to eat while you apply, and you could have your application submitted before you finish your food. Our service is fast, easy and secure. We take the utmost care with the details that you supply us in order to maintain your privacy.
We’re not a lender ourselves, but we can find lenders that offer a variety of loans! Here are just a few examples:
- Cash advance loans
- Small cash loans nz
- Instant cash loans nz
- Weekend loans NZ
- Cash loans no credit check
- Cash loans bad credit
While there are a tonne of loan opportunities out there, here we’re focusing on cash loans and how we can find providers of these finance options.
What are cash loans?
Don’t worry, there’s no mystery here. Cash loans are exactly as their name suggests. They’re a type of personal loan supplied by lenders to give your bank account a cash injection when you need it.
If you’re in need of some fast funds, cash loans could be just what you’re looking for. We can’t promise to find providers of instant cash loans, but we can certainly find lenders offering fast cash loans!
Given the sheer number of things in day to day life that cost money, it’s not surprising that you might come across an expense at some point that you can’t quite afford. Sometimes you’ll be able to simply save for it, but other times waiting isn’t an option. For instance, your car breaks down on your way to work, or maybe even the day before you were set to leave on a road trip holiday. If you don’t have the savings to cover the entire cost, cash loans might be able to help out.
Cash loans aren’t just for the essentials. If there’s something that you want to buy but you don’t want to wait until payday, you can use cash loans for that too!
In addition to the convenience of fast cash loans online, another advantage is their versatility.
What can cash loans do for you?
Cash loans could be the financial pick-me-up you’re after. When bills have overwhelmed you and your rent has just increased, sometimes you need a tiny boost to get your finances back on track. We’ll try to find a lender that can help you out. Once you apply for our lender-finding service, we will scan the internet for a provider of cash loans.
There is a myriad of reasons you might be inclined to look for cash loans. Here are just a few:
- To cover unexpected bills
- Buying a new or used car
- Car repairs
- Paying for a rental bond
- Dental or medical costs
- Upcoming special event
- Wedding expenses
- Home renovation
- Purchase the latest smartphone
- Debt consolidation
And the list could go on. The benefit of a cash loan is that there are so many uses for it. Get cracking on your application and we’ll see if we can find a lender for you!
How to qualify for our lender-finding service
After reading about the potential benefits of cash loans, you’re probably raring to go. Hold your horses! Before you can apply, there are a few eligibility requirements that you have to meet. You must:
- Be at least 18 years of age;
- Be a New Zealand citizen or permanent resident;
- Receive a regular income going into a personal bank account for at least the past 90 days;
- Have a direct contact number and email address.
And that’s it! If you can check off those four little things, you can apply for our lender finding service.
Let’s look at how to apply for our lender-finding service
When it comes to applying for our service, there are only a few steps to follow. We don’t feel the need to make things needlessly complex by putting you through a long-winded process. With only two simple steps to follow, you can finish and submit your application in minutes. Brew a cup of coffee and it can be ready by the time you finish your application to find cash loans providers.
Step one: Online Application
Fill out the online application form in only minutes. As long as you have a phone or laptop that’s connected to the internet, you can access our website and application form. Scroll up and click the Apply Now button; you could be done and on your way to finding a lender before you know it!
Step two: Get an outcome
Once you’ve submitted your application, take some time to cuddle with a furry friend or continue binge-watching your latest Netflix show. Meanwhile, we’ll be looking at lenders from across the internet to see if there’s one for you. We always do our best to deliver quick outcomes for our customers, so you’re not waiting for too long. If we find a lender for you, we’ll refer you to them promptly and let you continue your cash loans journey with them.
And that’s it! In just two steps, you could be in touch with your own personal lending pal. We weren’t kidding when we said that our service is all about speed and convenience!
What do cash loans cost?
As a lender-finder, we can’t dictate exactly what the costs of cash loans are. That will be up to your lender, should we find one for you. 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.
When it comes to repaying cash loans, that will depend on the individual lender and what their terms are. If we find a lender for you and they approve your application, ensure that you thoroughly read through your loan application. This will detail all costs and terms involved, so it’s important that you understand what you’re signing up for.
Looking for lenders offering bad credit cash loans?
Firstly, what is bad credit?
A credit score is pitched as a way to determine your likelihood of being able to repay a loan. As a result, traditional lenders like the big banks tend to look at credit scores when reviewing loan applications. In New Zealand, credit scores exist on a scale between 0 and 1000. A score between 400 and 600 is considered average, with scores below and above that range considered bad and good respectively. The most common cause of bad credit is defaulting on payments. This negative information is then recorded on your credit report, and can stay on there for up to five years.
Not sure what your credit score is? Worry not! Checking your credit score is easy, and you don’t even have to wait for a reporting agency to get back to you. Credit Simple allows you to check your credit score instantly for free online.
I have bad credit, can I still apply?
Of course! We can find providers of bad credit loans NZ for customers.
Life might have thrown you a few financial curveballs in the past, but you shouldn’t be punished for those unfortunate occurrences forever. Both we and the lenders we consider for our clients understand that a black mark on your credit history doesn’t necessarily paint the full picture of your financial situation. As a result, we agree that a bad credit score isn’t the be all and end all when it comes to cash loans. That’s why one of the requirements before you can apply with our service is for you to have been receiving an income into a personal bank account for at least the past 90 days.
Whilst the banks might take one look at a bad credit score and reject you, we can find more lenient lenders. These providers of cash loans will take into account your current financial circumstances. So if you’ve got bad credit, you can still apply with our lender-finding service!
Do you conduct credit checks?
As a lender-finding service, conducting credit checks is not part of our process. However, if we find a lender for you, they may do a credit check as part of their own assessment policy.
We understand that if you have bad credit and you’ve applied for a loan with a bank before, the prospect of a credit check might make you think that you’ll be instantly rejected. The lenders that we deal with are different. They understand that your credit score doesn’t define you or your financial situation, and certainly isn’t the most trustworthy indicator of your ability to repay a loan. If you have bad credit and we find a lender for you, you won’t have to worry about being rejected just because of your credit score.
So, if you’re on the hunt for providers of no credit check loans, we may be able to help!
I’m receiving Welfare, can I still apply?
Yes! You can still apply for our lender-finding service if you’re receiving government benefits.
Just like those with bad credit, welfare recipients are often overlooked by banks when it comes to cash loans. Whilst there are other finance options available to those on government benefits, you might go looking for cash loans if you have further expenses. To apply with Personal Loan Pal, you must be receiving a regular income for at least the past 90 days. And good news, we class welfare payments as income.
As long as the payments you are receiving are consistent and reliable, you can apply with our lender-finding service. We can find lenders who look at your true ability to repay a loan, instead of just one piece of information.
Let’s be pals!
Our aim is to find lenders for people who are after a financial helping hand in the form of cash loans. We’re proud of how user-friendly, easy and convenient our service is. Say goodbye the days of waiting in neverending bank lines or spending hours on the phone. Simply set aside a few minutes of your day to apply online, and we’ll see if we can find a lender for you.
If you have any other questions regarding our service, please don’t hesitate to contact us! Alternatively, you can send an email to [email protected]. Whether you want to ask a question or you have some feedback, we’re always happy to hear from our customers. If you contact us outside of our business hours, we’ll get back to you as soon as possible on the next business day.
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