What is an emergency loan?

Suddenly, something unexpected happens. The fridge stops working, your cat needs to see the vet urgently, the washing machine is on the blink or your mobile fell in the bath. Such things as these qualify as emergencies because you need to take action to sort them out quickly and right now– not next week or next month when you might have some spare cash.

So, if you can’t afford to fix it right now, don’t stress! The answer is to get an emergency loan. They are easy to get and are small, fast, 100% online stress-free cash loans. Acorn Finance can get you the money today –  in fact, our application form only takes a matter minutes to complete. Why not let us help you pay for those unexpected expenses.

Why would you choose Acorn Finance?

Lending to people who need money in a hurry is our business – and we’re good at it. We’re a trusted and responsible lender who considers loan applications from anybody in full time employment, even if their past credit record is poor. We try not to waste your time and we do this by having a fast application and approval process. It’s called being customer focused.

We’ve been around since 2003 and have always tried to put our customers first by offering a fast and friendly service. Acorn Finance is NZ owned and operated and specializes in emergency loans in NZ. During business hours we are on call to help with any inquiry you may have.

We’ve tried to make getting a loan easy and we have the latest online loan process that is quick and efficient. Once your online loan application had been sent, just sit back and relax while we consider your request. Our office hours are 9:00 until 4:30 Monday to Friday. You can expect a response from us within one hour during our office hours.  And the good news is everything is done online – no paperwork, printing or scanning.

What happens if I need an emergency loan after hours?

It’s unlikely you will have an urgent need for a loan at 3:00 am in the morning – but you can always put in a cash loan application at that time or in fact anytime. The online form can be submitted any time of the day or night. And as soon as we open on the next working day morning, we will attend to your request and respond quickly.

There’s no need to panic about business hours because we are 100% online! No matter what time of the day or evening, you can apply from the comfort of your home on your smart phone or computer.

How long does it take to get an emergency loan?

If you applied during our normal business hours, you can expect a response in an hour. Provided we have all the information and your application is approved, the money can be in your bank account within a few hours. If your application was submitted outside our normal business hours, we will reply on the next business day.

Unfortunately, we can’t guarantee approval of every emergency loan application. As a responsible lender, we need to be sure the loan is right for the borrower. This means we need to look at every applicant’s financial situation. But note, we believe in giving everyone a fair go, regardless of their situation.

Can I apply for an emergency cash loan if I’m unemployed?

When you’re not working, it doesn’t mean that bills stop coming in. It can be tough on the benefit. However, we are not able to help you if a benefit makes up more than 50% of your income. This means you must be working at least part time.

Can I get an emergency loan even if I have bad credit?

At Acorn Finance we believe in offering everyone a second chance, even if they’ve made some bad financial decisions in the past. This means we can offer emergency loans to those who have bad credit.

We understand that from time to time people fall on hard times or have unfortunate circumstances and we don’t think you should be punished for this. Whether you’ve neglected to pay a bill because you had to take some time off work, or some other reason meant you had to miss a bill payment, we can still consider your application. Don’t be worried about your bad credit rating, it’s only one of many things we take into account.

What are the requirements to be eligible for emergency loans?

Most permanent New Zealand residents are eligible. But you need to be at least 18 years old, have a regular paid income, a bank account, ID, a mobile number and email.

Check out our FAQs page or if you have more questions send an email or call us 0800 503 114

Do you do credit checks?

As a responsible lender, we carry out credit checks on all customers. And this is a good thing – it helps protect you and us. It also helps us verify who you are and understand more about your financial situation. However, recent transactions on your bank statements are more important to us than a credit score based in the past. This Is why you will be asked for bank statements for the last 3 months. But don’t fret or try to find your latest statement. We use a secure third-party provider to send us your bank statements – simply use the link on our application form.

How do I make repayments of emergency loans?

Repayments couldn’t be easier. During the application process you consent to making repayments by direct debit from your bank account on the same day as you are paid. The payments can be weekly, fortnightly or monthly. We try to make sure the regular payment amounts are manageable and won’t put you under any financial strain. So, there’s no need to remember to make payments, they happen automatically until your loan is paid off.


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