Why choose Jacaranda?
Now that you’ve stumbled across our emergency cash loans product page, let us fill you in on a few of the reasons that make Jacaranda one of the best lenders on the market.
Online based service and application
Not only are we 100% online, meaning no messy paperwork , but you don’t even have to leave the house to submit an application. You can apply from any device (smartphone, tablet, laptop) at any time of the day from the comfort of your own home.
It’s our aim to give everyone the fair go they deserve, but we can’t just lend to anyone. Jacaranda adheres to responsible lending guidelines . This means we conduct a full financial assessment of every application we receive, including a credit check on eligible applicants. We do this to ensure you can manage the loan you’ve applied for. After all, we want to assist you financially, not make you worse off!
We are well aware of the stigma attached to our industry and that’s why we use honesty, transparency and damn good service to prove that we are not like your typical short term lender. We’ll ensure you have all the information available to you before you commit to a loan. That includes fees, interest rate, repayment amounts and frequency etc. We also don’t charge a processing fee for submitting an application and we certainly won’t charge you an early settlement fee if you decide to pay off your loan early.
Personal loans can be a great short term solution for your cash flow problems. Whether you need money for medical treatment, to cover the cost of a car accident or to renovate your home, personal loans can give you quick access to funds. But depending on your financial situation, a personal loan might do you more harm than good. Before you commit to a loan, you should check out the following tips on whether or not a personal loan is right for you. If you can comfortably say yes to the following questions, then applying for a loan is probably a viable option for you.
- Are you confident with your cash flow? Before you apply for a personal loan, you should look at your bank statements to see what money is coming in and what’s going out. If you find yourself with only $10 to $20 after you pay your expenses, loan repayments might overcommit you or leave you with nothing.
- Are you determined? Having the willpower to save cash can be very helpful. This way you might be able to pay off your loan early and save money on interest. Having an emergency savings account is a great way to put away money for a rainy day. Adding to this account as much as possible is key to building your wealth.
- Are you a good researcher? When searching for a personal loan, it’s a good idea to shop around to find the deal and terms for your financial circumstances. You need to consider interest rates, fees and charges, and the repayment term. This also means you hopefully won’t have to submit too many applications. Applying for a loan creates a hard inquiry on your credit report and too many hard inquiries will reflect negatively on https://www.signaturetitleloans.com/payday-loans-nj your credit score.
- Are you patient? These days, you can tap a card and walk away with bags of expensive goodies. However, working hard and being frugal for a few months is a great way to save a bit of extra coin. If you want to purchase a new car, it may be a good idea to wait until you have a bit of cash saved up, rather than borrowing for the whole amount.