Note with words pay off debt concept.

Need money as soon as possible? In this quick post, we’ll be going over some of the best ways to access instant cash loans in NZ. Every option on this list has its ups and downs. You just have to read through and see which one sounds best for your current needs. Let’s get started with:  


A payday loan from Pretty Penny

Here at Pretty Penny, we offer short-term loans that are designed to be paid out to you right away so that you can settle whatever emergency costs you face. You’ll then need to pay us back as soon as you get your next payment from work.

The best thing about these NZ instant cash loans is that they arrive to you so quickly and conveniently. The assessment doesn’t have a credit check so the process can be completed within a day. You let us know which account you need the money in and we make sure the funds reach you within 24 hours of your application be accepted.

The main thing you need to be careful about with payday loans, is that they are not intended for personal purchases. The best way to attack debt is to watch your spending and only buy things you can afford with disposable income. You should never use payday loans to buy luxury goods. If you state this as your intention in the application process, we’ll have to remind you that these loans are for urgent costs only.


Loans from people you know

If you know someone with loads of cash, maybe they’ll be able to give you a cheeky loan. This can be one of the best ways to access an instant cash loan in NZ. It’s cheap because you won’t have to pay any interest, and your contact will likely be able to provide you with the cash within hours.

What are the disadvantages of taking a loan from mates or relatives? Embarrassment is the most obvious negative. On top of that, you have the huge risk of potentially ruining the relationship if you fail to repay. Then there’s the future to think about. What happens if you need another loan again at some point? Ask them again and they’ll likely shun you away.

A professional loans company will be happy to help as long as you meet the necessary requirements and you can be sure our customer service team will always have a great deal of understanding for your situation.

One of the best ways to avoid money issues is to save. If you’re not already living to a strict budget, we strongly advise you start doing so. As well as avoiding unnecessary purchases, you can keep looking for chances to land great deals and save money to build your safety stash steadily.


Loans from pawn shops

Remember cash converters? That chain is basically a high street version of a pawn brokers. Smaller pawn shop vendors will offer arrangements that are more like loans. They’ll give you the chance to buy back your goods before they get to keep them. The best thing about this option is that it’s open to anyone that has anything of value. Whether you’ve got a bad credit score, are out of work, or can’t get a loan through any other means, if you have something to pawn, you can get cash for it.

The bad side of pawn shops are the deals and conditions they offer. First, you’ve got to have a store that’s within reachable distance for you. Then you’ve got to carry your goods there and carry the cash back in broad daylight. This is a danger for obvious reasons. Just like with ATMs, some thieves have even been known look out for targets near pawn shops or Western Union pick up shops because they know people coming in and out of these places are likely to be holding valuables.

This is exactly why we like to pay our instant cash loans via bank transfer. It’s fast, dependable, and there’s far less chance of anyone preying on you!

These are some of the best ways to get instant cash loans in NZ. The larger the amounts you need, the more you should be considering safety as a top priority. Have any other questions? Feel free to get in touch with our team for more help!

Read more about instant cash loans in NZ here, or in our previous blog post: Top Ways To Access Fast Cash In NZ

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