Instant Cash Online NZ offer short terms loans to individual to provide a short term solution to unexpected cash flow problems. Our fast loans help if you need anywhere between $300 to $2,000 for anywhere between 1 month and 1 year. There are thousands of New Zealanders who have turned to us Instant Cash Online to help them with their cash advance needs. Some of the reasons we have seen that people need cash loans include:

1. Home repairs – you might have a leaky pipe which you need fixed straight away. You don’t want to wait around to save the money to pay the plumber when you need the job done quickly.
2. Car repairs – when your car breaks down you know you’re going to be hit with the mechanics bill. Getting around without a car is not an option for most people so get an emergency loan to cover those repairs that need to be done so you can get back on the road.
3. Medical emergency – sickness can strike at any time. This means doctor’s bills and medicines. Many people apply for a medical loan or an emergency loan to help them cover those unexpected medical bills.
   Of course, there are only a few examples. Check out of Types of Loans to see what other types of loans we offer.

We want make sure that our customers understand exactly the loan costs. All our fees and costs can be found on our What does it costs.

Our loans are short term loans for small amount of money and over a relatively short period of time. Instant Cash Online offers loans solution for pressing and occasional money needs.

We do not want our customers to commit to long term loans over a number of years. Bearing this in mind, we ask our customers to keep in mind that Instant Cash Online is not a solution to a bad debt situation.

We also don’t want our customers to borrow funds to pay other debts. If you already feel overwhelmed by your current debt situation, we ask that you not apply with Instant Cash Online because it may not be the right solution for you.

At Instant Cash Online, we pride ourselves on being an ethical short-term lender.

Instant Cash Online provides online loans therefore we are not a loan provider you turn to if you want finance for a new car or a new home. We assess our customers capacity to repay their loan based on their individual circumstances. As a repeat customer who has made their repayments on time and without default, you will be eligible for larger amount for subsequent loans.

When you are ready to apply for a loan with us, we will ask you a series of questions to be see if you qualify for a loan with us. If you can answer yes to each of our questions then you qualify for loan.

It is usual for a lender to do a number of checks before making a decision to lend money. At Instant Cash Online we do carry out a credit check during your first assessment.

We want to make sure that you are able to repay your loan. Just because you have had bad credit in the past shouldn’t stop you from apply. We can still help. That’s because we don’t look at your bad credit history but rather your current situation.

This makes us different from most lenders because we believe everyone should be given an opportunity to try and repair their credit. Taking out a loan which you repay can actually improve your credit.

All lenders will do checks on your personal circumstances to make sure you can make the repayments you want to make.

In fact, we don’t believe we’d be doing the right thing by you if we didn’t.

The types of information which we may need to verify include your income, your address and/or the your employment state.

This is usually only done the first time you take out a loan with us.

Instant Cash Online is a 100% online lending company. In order to apply with a loan with us simply click on the Apply Now button on our website and complete our online application form. All you need is about five minutes and internet access. You can complete your application form on your desktop, mobile phone or tablet.

Once you submit your application we will attend to reviewing your application the same day and get back you the same day. For more information about the loan process, refer to the How does it work.

When you loan money with Instant Cash Online, we set up a direct debit that will automatically deduct your loan repayments from the bank account that your pay goes into. The only thing you need to do is ensure that you have the required funds in your bank account on the repayment dates. Before Instant Cash Online ever processes your application, we also make sure to come up with a repayment schedule that works for you.

We endeavour to transfer to funds to you once you have signed your loan contract and you have receive an email from us that your loan has been approved.

You will appreciate that depending on the time of day, funds may not be available in your account that day but will be made available to you the next business day.

This is usually the case with smaller banks or if your approval is sent after 4pm on a business day. In the very rare circumstance, there may be systems issues. In you have any concerns please feel free to contact us.

We endeavour to transfer to funds to you once you have signed your loan contract and you have receive an email from us that your loan has been approved.

You will appreciate that depending on the time of day, funds may not be available in your account that day but will be made available to you the next business day. This is usually the case with smaller banks or if your approval is sent after 4pm on a business day.

In the very rare circumstance, there may be systems issues. In you have any concerns please feel free to contact us.

As most other lenders, Instant Cash Online does carry out a credit check when we assess your first application. In fact, we are legally required to ensure you are able to repay your loan. However, if you have a default it should not stop you from applying – we may be able to help you. Even those with undesirable marks on their credit history have been approved by Instant Cash Online before, because we focus on your current situation. We strive to be different from most other lenders and financial institutions.

However, that does not mean we accept everyone. If you have numerous defaults in the last month, are in a part nine debt agreement, or are now bankrupt, chances are your application will be declined.

First, congratulations on repaying the loan! It usually takes two (2) full business days before your bank will confirm with us that your payment has cleared. However, do not let that stop you from making another request right now. That way, you can receive your new loan the moment that the bank clears your final repayment.

Sometimes there are unforeseen circumstances that may prevent you from making a payment on the agreed upon date. First, remember that the costs associated with your small personal loans do not increase unless you fail to contact us two (2) full business days before your next direct debit.

• If the direct debit is declined – In this event, not only are you responsible for a $35 failed payment fee by Instant Cash Online, but you may also have to pay your bank a dishonour fee. If we agree to reschedule your payment for a later date, the $35 still applies
• What happens if you do not pay – In the event that you fail to contact us and the direct debit is declined, we consider your account overdue. From here, your account is passed to our Repayments Team. Our Repayments Team will attempt to contact you through SMS, email, and telephone to set up an affordable payment plan for the remaining payments owed.
• Still cannot contact you? – In the event that our Repayments Team is unable to contact you, Instant Cash Online reserves the right to contact an external collections partner and pass on your account. In the event this occurs, please keep in mind that Instant Cash Online may place a default on your credit file. This could harm your credit history and for upwards of five (5) years.

We do our best to provide the highest level of service, but sometimes you may feel an issue has not been resolved to your satisfaction. Usually your complaint can be settled to your satisfaction simply by alerting us to the problem.

You can be sure that you will always receive a fair and objective investigation. If you do have a complaint, Instant Cash Online would welcome hearing it. It allows us to address potential problems and improve in the future. This makes the overall process better for everyone.