Whether you need a loan for a new car, to renovate your house, or need some emergency cash, you can apply for a quick personal loan through QuickCash. We provide a range of loans that are fast to be approved and easy to apply for. When applying for a loan with us, it’s all done online and you could have the cash you need in your account within 25 minutes depending on your circumstances.

Here’s everything you need to know before applying for a quick personal loan with us.

What are the different types of personal loans?

Personal loans can include medical loans, car loans, boat loans, caravan loans, holiday loans, emergency loans, and debt consolidation loans. Whether you have medical bills to pay or someone needs an operation, you can apply for a medical loan to cover these costs and put your mind at ease. If you need a break from your routine and you’re looking to book that next holiday at the beach, you can apply for a holiday loan with us. If it’s time for a new vehicle we can help you get it. Or on the other hand, if you want to buy real estate or maybe it’s time to renovate your house and you need some extra cash, you can apply for a quick personal loan.

How do I get a personal loan? What’s the application process?

At QuickCash, to get a personal loan all you need to do is apply online. The easiest way to do this is by using our online application form. No need to print anything, scan anything, or even visit the bank. This means you don’t have to wait in long queues or read through towers of paperwork. It can even be signed online! The form helps us get an idea of your situation and the type of loan you need. The form will ask you information such as:

• How much cash you need.
• How many weeks you can pay it back in.
• How often you can make the repayments (weekly, fortnightly, monthly).
• The date you can make the first repayment.
• Your address.
• Whether the loan is only for you or if it’s a joint application.

You can use a vehicle, real estate, or boat for security. The value of these need to be greater than the amount you borrow and if you’re using a vehicle it needs to have a current WOF and registration. If you choose a motor vehicle as your security you’ll need to enter information such as the registration plate number, make, model, year and whether there’s any money owed on the vehicle. For a boat, you’ll also need to enter information about the make, model and year.

If you choose real estate as your security, you’ll need to enter the address and approximate mortgage balance. If you don’t have security to offer give us a call on 0800 784 252 and we can chat about your options. Complete the form by filling in your personal details, contact details, income, expenses and bank details. Then that’s it, hit submit!

Once submitted, we’ll assess your application in less than 25 minutes. All approved loans can be signed quickly electronically and the cash advance can be cleared the same day. This means more time for you to get on with your life.

What do I need to have handy when applying for a quick loan online?

You will need identification numbers such as from your passport or driver’s licence, a bank statement, and proof of security (such as a vehicle, a boat or real estate you can use as back-up for the loan). You’ll also need to know the make, model and year of any vehicles you use as security. It also helps to know how much money you need to borrow, how much you can afford when it comes to repayments and how long you’ll take to repay the amount. The form should only take around 3 minutes to fill out online once you’ve gathered all the relevant information.

What is an applicant score?

Our software scores each applicant using data from credit checks, land/vehicle ownership records, online public records, and your repayment history with other lenders. You can retain or improve this by keeping us informed of any changes in your situation. This is looked at in order to give each applicant a score, which is then used to determine approvals and interest rates etc.

What are the interest rates?

At QuickCash our interest rates are fixed according to the Loan to Value Ratio (LVR), using the amount borrowed and the security available.

Are there any early payment penalties?

We don’t have any secret fees, our interest rates are fixed and we don’t charge extra fees if you’d like to pay off the balance of your loan earlier than initially intended. That’ll save you money since you don’t have to pay the extra interest. We’re flexible and want the loan to work out for you.

Is there a loan limit?

Online, you can apply for a loan up to $10,000. If you need a loan higher than this, then call us on 0800 784 252 for a custom rate on loans over $10,000. We can have a chat to work something out. At QuickCash you’re in contact directly with the lender, this means you don’t have to wait for approval from multiple people or have your case be transferred across departments.

How long will it take to get approved? When will I get the money by?

Our loan approval system at QuickCash is very fast. Once you’ve submitted the form online, we’ll assess the information you’ve provided in less than 25 minutes. Approved loans can be signed electronically and you could have the cash in the same day.

At QuickCash, we make applying for a loan easy. The process is fast and simple to understand. Just fill in our online application form and you’re set! You could have the cash in 25 minutes! If you have any questions regarding our NZ Loans or the loan application or repayment process, please feel free to contact our support team on 0800 784 252. Our friendly staff are available to help you and answer any questions.

Disclaimer: This article is intended to provide general information only. It does not take into account your financial needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to an Authorised Financial Adviser.