Personal

Personal Loans

Business

Business Loans

Personal loans apprived in less than 15 minutes

QuickCash Finance is your local finance company. We have the ability to approve personal loans and business loans in under 15 minutes and have the cash in your hand in less than an hour.

We're proud to be locally owned and operated and because we lend our own money, we can make a deicision for you on the spot. Unlike a lot of finance companies we don't make it difficult to borrow money; we have an easy to understand application process and offer straight forward contracts.

Quick loans and fast approval - money in your pocket within the hour

With the right information we can make a loan decision on the spot and you can have the cash in your pocket in less than an hour. To make it fair and easy for you we won't change the interest rate for the term of your loan and we don't charge any fee for early repayment.

Online loans throughout New Zealand, with finance in Nelson and Blenheim

We can provide finance anywhere in New Zealand, with our straight forward online loan application. We also have offices in both Blenheim and Nelson, so you can speak to a local to arrange your Blenheim or Nelson loan. Being local you don't have to go through a call centre you can come in and see us at our Blenheim and Nelson offices.

If you need finance now just contact us, give us a call on 0800 784 252 and we'll see if we can square you up or find out more About QuickCash.

Disclosure - Costs of borrowing

At QuickCash our interest rates are set according to the Loan to Value Ratio (LVR), using the amount borrowed and the security available. We never charge a fee for early repayment and our interest rates are fixed to provide certainty throughout the life of your loan. Below is a table showing the Annual Interest Rates (AIR) for each security type and LVR.

Security / LVR

0-20% LVR

21-40% LVR

41-60% LVR

61-80% LVR

81% + LVR

 

 

 

 

 

 

Residential first mortgage

18%
interest

20%
interest

22%
interest

24%
interest

26%
interest

Residential second mortgage

20%
interest

22%
interest

24%
interest

26%
interest

26%
interest

Vehicle, boat or caravan

26%
interest

26%
interest

26%
interest

26%
interest

26%
interest

All of our loans have an establishment fee, whether it is a new loan or a refinance. This is the fee for receiving, processing and advancing your loan. For loans of $200-$400, the establishment fee is $175. For loans of $401-$20,000 the establishment fee is $350.
There is also an administration fee with all of our loans, to cover the costs of administering each loan. We have designed this to incorporate all administrative costs, so we don’t charge you for your 6-monthly statements, balance requests, processing of payments or anything else involved with your loan, to give you the certainty of a fixed cost throughout the life of your loan. Our administration fee is $5 per week, but only charged while the loan is active.
If a loan goes into default, default fees and default interest will apply. The default fee and default interest have been designed to cover the increased cost to the company for the frequent monitoring, additional contact with the borrower and third parties (eg: budget advisors or guarantors) and the increased reporting requirements. The default fee is $1 per day, payable daily but charged weekly. And the annual default interest rate is 22.5%, which is only charged on the portion of the loan that is in default.

Payment Protection Insurance

PPI is a policy which may cover the policyholder’s monthly instalments on a Credit Contract if they suffer from an insured event. In the unfortunate event of death, long term injury or illness, PPI may cover the outstanding balance on the loan. We offer the option of Payment Protection Insurance (PPI) for your piece of mind. This is not compulsory, but you can read the policy booklet here and decide if it is right for you.
You can also read a summary of the PPI we offer here.