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Are you struggling under financial pressure? Don’t let it cripple you. Did you know that there is a fast cash loans solution available to you in NZ? Pretty Penny Loans has been offering fast cash to assist in solving various types of problems.

The best part is… the cash is in your account within hours, and better still, you didn’t have to jump through hoops to get it. Jumping through hoops to get a helping hand isn’t an option when you need a fast cash loan. Why? Because you need it fast!

If you are looking for a trustworthy lender, you have come to the right place. Pretty Penny Loans is here to provide fast cash loans in NZ. Continue reading to find out the most common reasons people apply for fast cash loans and the associated questions.

1 | I was just made redundant!

Hopefully this doesn’t sound familiar to you. But it does happen, no matter how safe you think you are in your current position. Workplaces change with the economy of the nation. There are lots of external factors that could influence an employer’s decision to make someone redundant, not just poor performance.

The good news is, if you have been made redundant, you should be entitled to redundancy pay. You can find out more about this topic on the NZ government website here.

Okay, so we have established that you may be entitled to some redundancy pay, but this could take a lengthy amount of time to settle. You could be without your regular pay period in favour of a lump sum delivered weeks or months later. That is why a fast cash loan from Pretty Penny is a saving grace in this situation, to help until the money eventually does come through.

 2 | I have a pile of unexpected bills

This is perhaps the most common reason we receive. Bills are always dropping in without invitation! When a bill comes knocking, it can completely shake the foundations of savings you have worked tirelessly to build.

Fast cash loans are great for paying off unexpected bills, allowing you the opportunity to pay the money back over the course of weeks as opposed to the sudden shock of a utility bill.

Another reason those in NZ take out fast cash loans is due to their payday, and when the due date of their bills falls before their payday. Get in contact with Pretty Penny and let us take some of the weight off your shoulders.

3 | I have bad credit. Can I still get a loan?

When it comes to fast cash loans, you are borrowing a significantly less amount of money than you would from a bank. For that reason, the lending criteria isn’t as strict. They are called payday loans for a reason, because they are designed to provide a little financial relief until your next payday.

In short, yes, you can still get a loan if you have bad credit. We always encourage having good credit. The added benefit of our products is that you could improve your credit card rating. Instead of missing another credit card payment, why not borrow from those who don’t take bad credit into consideration? Continue reading the next point for more information on this.

Please read all the terms and conditions of our fast cash loans before committing. We encourage responsible borrowing.

If you are worried about having bad credit, check out this helpful article to learn the telltale signs.

4 | I have overdrawn my credit card!

Your bank account is dangerously low and you are now borrowing from the bank. This everyone, is what is known as overdrawing. You don’t want to be here because you will be that figure you think you have, actually has a minus symbol next to it.

A negative balance will cost you a lot long-term in a plethora of interest and banking fees. So, remember, when you are in the red, get in contact with Pretty Penny to see how we can help.

5 | I need emergency home renovations!

Is the roof leaking due to a thunderstorm? Do you need emergency plumbing repairs? Whatever it is, home renovations can be a timely and costly process, quickly depleting that little nest egg of savings you have been working on.

When applying for a loan through a bank, you will most likely have to sit through lengthy and elaborate face-to-face interviews. Will your plumbing hold out till then? If this is the avenue you decide to take, then let’s hope so!

In this example, a fast cash loan could be used to pay the necessary tradespeople to perform the work immediately. And if it’s more expensive than first thought, at least the fast cash loan will keep the builders happy until the bank pays the loan.

Do you need a fast cash loan?

There are loads of reasons why customers ask us to take out a loan, and we judge each application on its own merits.

When unexpected costs come up, sometimes you just need the cash. We believe in giving everyone a chance, regardless of their personal circumstances.

Here at Pretty Penny Loans, we can lend you up to $500 to help you out before payday. We promise that we’ve made our service as quick and easy as possible for you.

So get in touch to apply for a loan, or to ask us any questions about our loans. We’ll be there for you.

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