Step 1

Submit application

Get a quick decision from our loan experts. It only takes a moment to fill out our application.

Step 2

We find a lender

We pair you with a lender who is interested in working with you, sometimes within minutes!

Step 3

Meet your lender

Watch your email or mobile for a text message after we have located a lender for your loan.

Why choose the Wizard?

If you are in need of emergency funds, we want to help you! It can be difficult when you need to borrow a guaranteed loan for a short period of time. Submit an application with us today and receive a quick response.

What are Emergency Lenders?

They are companies that provide emergency loans. To do this, they sometimes have no credit checks, provide loans to people with bad credit and do so the same day. Speed of the cash being delivered to your bank account is essential when providing loans for emergencies. If you are in a situation where your need for immediate cash is critical, submit your application today for a quick decision.

Cash Loans

These types of cash loans are given to people who need money fast. If you urgently need money, submit your application to us today. It is completely free to apply and you may qualify for a same day loan, or next day loan. You may even receive a weekend loan, where the payout is available to you over the weekend.

About the magic.

Many think they are unable to get a loan because of bad credit or that their only source of income is beneficiary payments. We help many people receive a loan who believe their credit isn't good enough to receive one.

Bad Credit Loans

The lenders we work with are interested that you are able to repay your loan. If you have income, including from employment or beneficiary payments, we may be able to help you get a bad credit loan, even if you happen to have bad credit. Let us pull a rabbit out of the hat and help you secure a loan for bad credit today!

Loans for Beneficiaries

What about short term loans for beneficiaries? If you receive beneficiary payments or are on a pension and need assistance with a loan, we would like to help you! Specify your income, including beneficiary payments on your application and we will give you a quick reply with options for getting a loan.

Loans we offer.

What are Payday Loans?

Payday loans, also called short term loans, beneficiary loans and loans for bad credit, are a loan given to people who have an urgent money need by a payday lender company. These payday loan companies typically expect repayment in a short period of time, between weeks and months. Often, the loaned sum will be repaid upon the borrowers next pay cheque from employment or from receiving benefits.

Payday loans have advantages and disadvantages. Among advantages are speed, these are quick loans to get. Also, ability to qualify for getting the loan are much greater. You can get these types of loans unsecured, meaning you do not need to put up collateral. Disadvantages are the cost, APR interest rates are much greater with a payday loan than with a conventional type of loan, such as from a bank.

What are Loans for Bad Credit?

Bad credit loans are a way for people to borrow money when they have poor credit. It involves finding a lender (which we can help with), who will allow you to borrow money, even if you have bad credit. These are unsecured loans that do not rely on collateral, but instead are based on your ability to pay because of your employment, or if you receive benefits.

If you feel as though your credit history is not good enough to get a loan, we urge you to submit your application anyway. If you are employed or on benefits, this is the main criteria which is looked at when deciding whether to lend money to you. By repaying your loan in a timely fashion, you can ensure that your credit improves over time.

Where can you go to get this type of loan? Simply click the "apply" button below to get a quick decision on your request through Cash Wizard. We are new in NZ and are an introucer of loans. We match your loan request with many direct lenders who are interested in lending money to you. Whether you are on benefits, unemployed, need an unsecured loan or to borrow money as fast as possible, we do our best to assist you. Click the apply button now and submit your application for a quick evaluation and decison on your loan. Our process is conducted entirely online from the convenience of your home.

What are Loans for Beneficiaries?

If you are on benefits and feel like your credit is too poor to qualify for a loan, consider submitting your application anyway. Beneficiary loans are for people who would like to borrow money based on fixed payments they receive on a weekly or monthly basis. They may come from court settlements, a will, trust fund payments and other types of funds an applicant may receive on a scheduled basis. Many lenders will evaluate this income which strengthens the case that you can afford a loan. Would you like to apply for a bad credit beneficiary loan? If so, click the "apply now" button today!

There are many types of beneficiary loans -- they include those received from the government, as well as other types of income (structured payments from a will, court settlement, rental income and more). If you receiving income from any source (even if it isn't from employment), you can apply for a loan. These are called payday loans for beneficiaries.

What are Unemployed Loans?

The vast majority of people we assist in getting a loan are employed and need to borrow money to see them through to their next pay cheque. if you are employed, yet have confronted an emergency crisis and need cash to get you through until your next payday, submit your application with us. We can help match you with a direct lender who may be able to give you the funds you need.

Can I borrow if unemployed?

This will depend on whether you have other sources of income, or if you actually have good credit. Some type of income will have to be shown, even if you are receiving beneficiary payments or other types of unconventional income.

You may feel as though it is too difficult to get the loan you need through a conventional bank. Payday loans, on the other hand, can be received more quickly and conveniently. You can apply online for same day loans and have the money sent directly to your bank account. There are disadvantages, however, in that this type of loan is more expensive for their APR interest rate and possibly fees associated with getting one. It is completely free to apply for one through our submission form and we encourage you to submit your application today!

What are No Credit Check Loans?

If you are afraid that you have bad credit and it will prevent you from qualifying for a loan, you may be looking for a no credit check loan. The theory is that if someone doesn't check your credit, it will make it easier for you to get a loan (if your credit is poor). We are a loan introducer, meaning we submit your application to our lending partners who evaluate your loan. Some of these people will not check your credit because they are more interested in your employment or status of receiving benefits.

Others, however, will want to check your credit. There are many variables that need to be considered, including how much money you are requesting and how long you've been employed at your current job. If your fear is you won't qualify because of bad credit, that isn't necessarily true. If you are employed or on benefits, submit your application anyway and you will receive a quick decision on its acceptance.

What are guaranteed, high approval rate loans?

When people say they want a guaranteed payday loan, what they're really saying is they prefer a lender who has a high approval rate. There is no such thing as 100% approval, as I'm sure you can imagine many scenarios which would disqualify someone from borrowing money. If you want a guarantee that your loan will be accepted, it is a good idea to submit your application through Metro Pay. This is because we have many direct lenders we work with who will review your loan request.

The more lenders, the higher chance your loan request will be accepted. We have an advantage here over submitting to one direct lender who may not be interested in your loan, and would then become a dead end. Make sure as many lenders see your request as possible, submit your application with us today.

What are Emergency Loans?

They are lenders who provide emergency funding to people, even if they have bad credit. A bad credit loan can be a life saver when you have an urgent need for money but cannot borrow through conventional means, such as from a bank. Often when someone wants this type of loan, they prefer one with no credit check. While we cannot guarantee no credit check (because we work with many companies, some will request a check while others do not), you can rest assured that we arrange loans for people who believe they have bad credit very often.

Do you think your credit is too bad to qualify, given your credit history? It is free to submit your application, so why not give it a try? It only takes a few moments to fill it out, and you could have a payday loan advance wired to your bank account within 24 hours, sometimes same day. It all depends on the lender who is interested in your application and the offer they have for you.

What Is An Unsecured Loan Company?

They are lenders who will provide unsecured no broker loans. This means that the loan you receive is not secured by any form of collateral. Examples of secured loans would be if you put your house up for auction, or a vehicle. When you put a vehicle up for security, it is often called a "logbook", because the lender issues a booklet where you tear out stubs when you submit your weekly or monthly payments. None of this is required with unsecured loans.

Unsecured loans are also called "signature loans". This is because they are given with only a signature and do not require any form of collateral. If you need an new unsecured signature loan, submit your application today!

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