So what are your options? Cash advances on credit cards come with hefty fees, and you ily or friends. If you have been searching for instant approval loans because you need cash today, a small online payday loan might be an option you are considering. Quick easy loans, in just minutes.
Wondering about our lending requirements for cash loans, or payday loans? To be approved for a loan you must meet the following requirements. Firstly, you must be an Australian resident over the age of 18. Secondly, you must be employed (or receiving Centrelink benefits in some cases), and have your income paid regularly into your bank account.
Thirdly, applications for cash loans in Australia will consider your credit history. Bad credit may prevent us from being able to approve payday advance loans in Australia. We do offer no credit check loans with smaller loan amounts if you have a bad credit rating or no credit rating. Centrelink loans are also an option depending on individual circumstances.
We love helping out Australians in a bind, but also we take our standards as a responsible lender seriously. If you aren’t sure that you can comfortably make repayments for your online payday loan, you can read our warning against borrowing here.
What documents do I have to provide for cash loans Australia?
There are certain documents that you will need to provide to use in order to confirm that you meet our eligibility criteria. If this is your first time applying with us firstly, we will need to verify your identity and income in order to process any cash loans online. Secondly, 90 days worth of bank statements will be needed. We will ask for a copy of your drivers license plus a utility bill that shows your current address as part of the payday loans application process.
Looking for personal loans online instant approval no credit check? We do offer options for no credit check payday loans with approvals within hours.
Are Cash Today payday loans right for me?
We help hundreds of people every year get access to fast cash when they need it. That’s because we understand that sometimes life is unpredictable!
Before applying for a loan with us, make sure you have explored all of your options. For example you could take another look at your budget , request free financial counselling , or there may be the option for a payment advance from Centrelink if you receive government benefits.
Our loans have the following simple fee structure: 20% of principal amount (establishment fee) + 4% of principal amount per month
What is your renewal policy?
We understand that despite your best intentions, circumstances can change and you might have problems making your repayments. In this case, it’s important that you speak with us and let us know what the problem is so that we can work with you to help you meet your obligations. If you do miss a payment or your direct debit fails, you may be charged additional fees or we may take further action. You can view our procedures for non-payment here .
Are quick easy loans a good choice?
The world that we live in today is fast paced, and so when you need cash, you generally need it quickly. With Cash Today it’s simple to see if borrowing would be in your best interest. You can use our repayment calculator to see how much the fees and charges would be for the amount that you are considering borrowing. You can also see what your total repayment amounts would be. This can help you work out if applying would be a smart financial decision for you. If you can easily afford to repay the amount borrowed, accessing a short term advance would be less stressful than tightening your budget, and you have 5 minutes spare to complete the online application, Cash Today could be just what you’ve been looking for.
A perfect credit rating is not compulsory. We do offer no credit check payday loans. Cash Today understand https://installmentloansgroup.com/payday-loans-de/ that you are more that your credit rating. We do also have options for payday loans with Centrelink income.
It could be that your renovation budget has blown out, and you need to cover the difference to get the home project complete. What about those opportunities that would save you money long term but you don’t have the funds on hand to take advantage on short notice? This could be something like a sale on flights or accommodation for that overseas holiday you had planned. Another example could be moving expenses – you are paying bond, paying rent in advance, or hiring a moving truck. There are so many reasons why being able to borrow with a small or medium loan could help you out when you need cash fast.