Some months cost us more than others, that’s just how it goes. When you find yourself short of cash, you’ll need a quick cash loan to get you to your next payday. At Pretty Penny Loans, we’ve been offering instant cash loans in NZ for years. In this post, we’re going to highlight several of the most important benefits of choosing a payday loan over other fast loan options. Let’s get going.

If you need instant delivery, payday loans are hard to beat

Taking one of our fast NZ cash loans is one of the fastest ways to access urgent funding when you need it most. Borrowing from a bank can take days or weeks to arrange. More and more people are turning away from major banks and looking for more practical sources of lending. One of the best things about a payday loan is it doesn’t take long to apply, and in most cases, we aim to have your desired amount paid out within 24 hours of approval.

How do we do it so quickly? Well, there’s a few reasons we can process applications much faster than conventional loan providers can. The main reason is that we don’t base our assessments on your credit score. Which leads nicely onto our next point:

You can get a payday loan with a bad credit score

If you want a credit card, personal loan, or any other long term credit, your credit history plays a large role in determining your eligibility. Checking your credit history takes time, which is why most loans take so long to approve. With a payday loan however, we don’t need to base our decision on your credit score at all. Instead, we are far more concerned with whether or not you earn enough each month to be able to afford to repay your loan comfortably.

It takes far less time to assess your income than it does to take a thorough look through your latest credit report. All we need is to see your latest bank statements, and we’ll be able to decide on a sensible amount that you can afford to borrow. As long as we can see that you are in stable employment with a consistent income, we’ll be happy to help!

Convenient application and smooth delivery

You don’t have to do any paperwork or turn up to any meetings to take an instant cash loan in NZ from Pretty Penny. You can apply for one of our payday loans online through our website. This makes it easier for you to apply 24/7 as needed, while on the move or straight from your mobile. This simple factor means that these loans fit around your schedule and busy lifestyle. They don’t take any excess of time or hassle to get done and the money is paid to your account on the same day you are approved.

Sometimes, we’re able to process applications with amazing speed. We always aim to have the loan paid out to you within 24 hours, but in the best cases the money can reach you within just a few hours.

Just like when you’re looking to make investments for the longer term, one of the most important things to look for is professionalism and reliability. We’ve been specialising in short-term payday loans for a long time and we’ve nailed our processes down to a fine art. We understand how important it is for things to go as smoothly as possible when you’re in a tight spot, which is why we do everything we can to make the process as easy and convenient as we can.

We let you know with texts to your phone how your loan payment is progressing, when it’s ready for collection, as well as notifications reminding you of upcoming repayments as agreed. These little details make a huge difference in helping ensure the loan proves incredibly helpful for your situation and that you don’t incur unnecessary charges for missing payments.

It’s in our best interest that you pay back the loan as soon as possible, so we’re always on your side. We do our best to ensure you take an amount that is perfectly sensible for your financial circumstances and we encourage all customers to let us know as soon as they can if they think they might struggle with repayments so that we can work out an effective solution.  

Read more about instant cash loans here, or in our previous blog post: Help Me I Need Money Now! How To Access A Loan Fast

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