Cheque Exchange

Cheque Exchange - Innovative payday loans

It is not ideal to go around from bank to bank looking for finance. However, most people find themselves in this situation when they have nowhere to turn to.

There is no telling what tomorrow holds so it is for this reason why society takes all their documentation and goes to stand in long and hideous queues for a personal loan application.

Faster loan applications

If you come to Cheque Exchange, you wouldn’t see the necessity of carrying file after file and waiting for your number to be called in the line. Instead, you would realize that everything happens faster and more efficient with us.

We are not miracle workers, we are simply people who would do anything for our Kiwis. After all, we know how difficult those last few days drawing nearer to payday are, so we will never minimize your chances of getting a loan even if you are blacklisted and need a bad credit loan. The only time we would have to turn down your application is when you don’t meet our credit criterion. That, unfortunately, is beyond our control.

What are the requirements for applying for credit?

If you would like to apply for a payday loan at Cheque Exchange, you have to be above the age of 18 years. By this age, we believe you know each and everything you are doing and you are not forced into doing something you are not comfortable with or you don’t understand.

Also, you have to be a New Zealand citizen or at least have permanent residency to live in New Zealand. Lastly, you have to be working and earn a constant salary.

Cheque Exchange Services

Clients are advised to complete an online application form where they are asked to fill in personal, financial and employment details. The information that is gathered from this loan application will never be used for something else.

In fact, the only person that will know the details of your instant cash loan will be the agent that will be working on your loan. If you don’t understand a certain portion in the credit application, please don’t hesitate to call us and make us aware. What we don’t want is to see you complete the credit request and answer questions incorrectly due to lack of comprehension.

What happens next after I have submitted my loan application?

After you have submitted your loan application, the next step is the verification and assessment stage. This is when we have to check and even double check your identity documents to ensure that nothing is overlooked and that you are granted one of our payday loans as soon as possible.

We have seen a lot of people exaggerate their pay cheques with the hope of being granted approval quickly. However, this was a thing of the past when we started requesting bank statements and other credentials.

A fraud notice

We want to away with fraud and the best way you can catch these culprits is by ensuring that you request all the documents that will make it obvious if it is observed that they are misleading us as a provider of online loans. This has also reduced the amount of identity theft cases because nobody wants to face imprisonment.