When a financial emergency arises, you need money fast. The car breaks down and it’s going to cost $1,500 to repair. You need $1,000 bond for your new rental accommodation. You have to pay the kid’s school fees upfront before they can be enrolled. Whatever you need money for, you can’t afford to wait weeks for an appointment at the bank, where the minimum you can borrow is $5.000 anyway.
So, what do you do? You apply for a fast cash loan at QuickLoans. We’re fast, we’re affordable, we’re local and best of all, once you’re approved, we can usually have your money in your account the same day that you apply.
At QuickLoans, we lend amounts from $1,000 to $20,000, and you can apply online or over the phone. And unlike some other lenders, we actually look for ways to approve you, rather than finding reasons why we can’t. We always work with you to give you the fastest decision and the quickest possible turnaround.
Benefits of fast cash loans
A quick loan is a simple way to tide you over when a financial crisis occurs and it has a number of advantages over other forms of credit.
- It’s quick – as the name suggests, a quick loan is very fast, which can be a lifesaver if you need money urgently.
- You don’t need a spotless credit rating – because it’s a secured loan (backed by an asset), your credit history isn’t that important.
- The interest rate is affordable – unlike credit cards, quick loans usually come with competitive interest rates.
- It’s easy to apply – unlike a bank loan, there is relatively little paperwork required, other than a standard loan contract.
Factors to consider
There are a number of factors you need to consider before opting for instant finance.
- Is it urgent? Is your need for the money so urgent that you can’t wait to get it from any other source (i.e. selling an asset or borrowing from friends or family)?
- Can you afford it? How much do you need and will you be able to pay it back?
- What is the interest rate? What rate is the lender charging and what will it cost you in total over the life of the loan?
- Is it fixed or variable? Is it a fixed interest rate (what you’ll always pay) or variable (could go up costing you more, or down costing you less)?
- How long do you have to pay it back? Is it a short-term loan (often with higher interest) or long term over several years?
- Can you pay it off quicker? Will your lender penalise you with fees for making extra payments?
- What fees will you pay? Are there lots of hidden fees attached to the loan which could make it unaffordable?
Apply for a QuickLoans loan today and you’ll…
Once you submit your application, a friendly QuickLoans rep will contact you within 30 minutes (during business hours). They’ll let you know how much you can borrow, and at what rate. Once you’re happy with the details you’ll get the funds within 24-hours – and often much sooner.
Why pay more than you have to? Our rates are some of the most competitive in New Zealand and will save you hundreds (or thousands) over the long run.
We understand everybody misses a bill from time to time and we won’t hold it against you. If you can afford your loan repayments and have something that we can secure your loan against we’ll do our best to help.
Call us today and you’ll talk to a NZ local in our South Island office, not a foreign call-centre or some computerised hotline. We listen, take time to understand your situation, and work with you to find an outcome that suits your budget and cashflow.
No deposit? No problem. Getting a flexible loan with zero deposit is easier than you think. We simply need to secure your loan against some collateral (property, car, etc…). Just ask us how.
Applying for your loan is really easy
Complete our quick and simple online loan application form in only 5 minutes
Your application is assessed by a human being – not a computer who’ll contact you within 30 minutes
(during business hours)
If you’re loan is approved, you’ll get your money the same day either paid into your account
Easy, Fast Loans With Our ‘Digital Signature’ Service
You’re busy. We get that. That’s why you can sign for, and receive your funds, without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today!
Jan needed $1500 to buy some furniture for her home
Jan needed $1500 to buy some furniture for her home Jan is a lady with her hands full. She manages a pharmacy during the day and has dogs and home renovations that keep her busy after hours. She wanted to buy some new furniture for her home. Jan called on Friday and had her loan approved the same day.Read their full story
Brian needed $700 for urgent car repairs
Brian needed $700 for urgent car repairs Brian’s car broke down in the car park at the local supermarket. With steam bellowing everywhere, it was obvious that the engine had overheated and needed urgent repair. Brian saw an advertisement for QuickLoans in the newspaper and called us. As Brian worked full-time as the operations manager for a paper company, he was unable to sign the legal documents during work hours. So we went to him after hours and signed him up right there and then. We also gave him the money straight away.Read their full story
Stuart borrowed $500 to pay school fees
There were no problems at all, the mobile manager came direct to my house to sign up the contract. The people are friendly and the access to loans is easy. They don’t take long to get.Read their full story