When would I need a short-term $300 loan?
Small cash loans offered by short-term lenders are what many people find helpful when life throws a curveball. Just when you think you’re on top of everything, an unexpected bill or family emergency crops up and you need a little extra cash to cover the cost..
As the name suggests, short-term $300 loans are small cash advances that are paid back within a short period of time – usually over 4 to 6 weeks. The Little Loan Shop makes repaying your loan as quick and easy as possible for you. A repayment amount that you agree to is automatically deducted from your bank account on the same day you get paid, so as long as you have regular full time work you don’t have to worry that you’re going to miss any repayments.
How do I repay a short-term loan?
The reason short-term $300 loans are structured to be paid back quickly is because they come with a relatively high interest rate as well the usual standard fees and charges. At The Little Loan Shop we do our best to make sure you fully understand all of the costs associated with your loan, as well as all of your rights and obligations that go hand-in-hand with having a short-term loan. Your loan repayments should be set at a level you can manage comfortably and should not put a lot strain on your everyday finances. Overdue payments will add penalty fees to your outstanding balance and the result of not repaying your loan is most likely to give you a bad credit rating as well as add collection fees on top of what you already owe.
How do I apply for a short-term loan?
The Little Loan Shop has helped out thousands of Kiwis when their finances have been over stretched. Our website has an easy, confidential online form for a fast and efficient application process. You can apply to borrow any amount between $100 and $600. The online calculator allows you to quickly see how much your loan will cost with repayments tailored to suit an amount you choose at the frequency of your pay. All you need to get started is internet access, an active email and a mobile phone.
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Why The Little Loan Shop?
- Easy, confidential online application for payday loans in Auckland
- Less than perfect credit considered. We've helped thousands of people
- Fast and efficient application process. All online
What you need to get a loan
- You must be earning at least $450 per week after tax. And more than half of this must come from paid employment
- Your pay must be deposited in your bank account on regular basis. We don't lend to self-employed
- You need to have internet access, an active email and a mobile phone
How it works
1. You apply in minutes and we assess your application within 60 minutes.
2. You confirm your acceptance after receiving an offer from us by email. No obligation to accept
3. You receive the money in your bank account
4. We direct debit the repayments from your bank on your pay day as agreed
Is The LIttle Loan Shop right for you?
- Only take out a loan if you can comfortably manage the repayments
- Our loans are for short term only, usually 1 to 6 weeks. Don't use this type of loan for long term financial needs
- Late of missed payments will mean extra charges and may affect your credit rating
Help and Support
Check out our FAQ for information about our loans. Go to Blog for tips