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What Is An Instant Cash Loan - Pretty Penny Loans

What Is An Instant Cash Loan?

02/08/19

An instant cash loan could be the right option for you if you need cash urgently. Also known as “easy loans“, instant cash loans give you access to funds with small amount and can be repaid quickly. It can be used for paying off emergency expenses like a car repair, utility bills, or any important purchase.

A loan application process can be grueling. Most New Zealand lenders specialise in offering instant cash loans, they even approve loan applicants with bad credit histories.

How do instant cash loans work?

Instant loans are essentially cash loans approved fast. With this type of loan, you can borrow from $100 up to $5,000.

First, you have to establish that you can make the loan repayments. As long as the lender perceives you can pay off the loan, there is a better chance for approval.

The online application makes the process faster and more convenient.

Prepare your 90-day bank statement (read-only access); your job details and how much you earn; or your Work and Income benefits. These may differ depending on the lender.

Upon approval, the agreement between you and the lender will detail the loan amount, and associated interest rates and fees. Do not forget to carefully read this agreement, most especially the terms and conditions on default.

Once you’re approved, the funds will be transferred directly into your account, in just a few hours or within the same day.

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Eligibility for an instant cash loan in NZ

  • be at least 18 years of age
  • employed
  • meet minimum income requirements
  • has a regular income, which goes into a bank account
  • less than half of income from benefits
  • prove that your current financial situation is stable (if you have a bad credit history).

Payday Loans, Bad Credit Loans, Unsecured Loans, Short-Term Loans, Emergency Cash Loans, Payday Advance, Beneficiary Loans, Loans — No Credit, Loans for Unemployment, Easy Loans

Instant cash loans from PPL

Do you need a cash loan approved fast?

Many of Pretty Penny Loans‘ customers ask for help with the following expenses:

  • car repairs
  • helping out family or friends
  • home repairs
  • medical bills
  • relocating

PPL’s instant cash loan has an establishment fee of $64 and an interest of 1% daily on the outstanding balance. There is also an account set-up fee of $24 for first-time clients.

When deciding on a loan, think about the repayments, compare them to your weekly income and decide what you can afford.

PPL has loan options and will work out a repayment plan that fits your budget.

Apply here!

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