Get cash quick
Things move fast these days. Almost everything is done instantly. It makes sense that when it comes to financing, borrowers would expect to get instant access to funds. These days, more and more lenders have adopted the advances in new technology in delivering their services. We work with these types of lenders to help you get cash quick. With our simplified, all-online application process, fast loan assessment and approval and even quicker fund transfer, you have come to the right place when you want to get cash quick.
Understanding quick cash loans
As the term entails, these are funds that you can access when your need is dire. As a lender finder, we can help locate lenders that will make it possible for you to get cash quick especially when some emergency expense arises and your next payday is still days away. If you’re not keen on the idea of having to sift through potential lenders out there to find the most suitable one for your financing needs, we can take on the task on your behalf. Just send us one application and we will take care of the rest.
To assist you, we will look for lenders within our network that can offer cash loans between $100 and $10000. If you plan on borrowing more than $2001, equity will be required to secure the loan. This could be anything valuable that you own such as a caravan, boat or car.
Who are qualified to apply?
While we try to do our best to accommodate everyone who wants to get cash quick, we have specific requisites that we need potential borrowers to meet before they can qualify. These are:
- Borrowers must be 18 years or over
- Borrowers must be permanent residents or citizens of Australia
- Borrowers need to be receiving a consistent income for the last 90 days and are receiving the funds into their personal account
- Borrowers can provide an active email address and valid phone number
Additional details to provide
Before you move on to filling out a loan application form, it would help to have the following information handy just in case you may be asked by your lender to provide them:
- Personal contact information such as your email address and mobile number
- Details of your bank account
- Reasons for taking out a loan
- Employment information and contact details of your employer
- MyGov details if you are on Centrelink
The reason that we will ask for your bank details is to make it possible for your lender to view read-only copies of your bank statement. This is essential so they can assess based on your regular income and regular spending whether you will have the capacity to afford a loan repayment if they grant you one.
Steps on how to get cash quick
Applying for a loan to get cash quick has never been easier. As a lender finder, we have streamlined our process so all you need to do is fill out a single form and we will do the rest. One form will get you access to a whole host of lenders and we will see to it that the one you get paired with is most suitable for your needs.
Part 1. Apply online
You won’t need much to start the application process. Just use the loan calculator at the top of our page to type in the amount you wish to borrow and your preferred repayment term. If you’re happy with the numbers that you are seeing on the screen, proceed to the application form and fill it out. Just click submit and you are all set.
Part 2. We search for the right lender
Once we get a hold of your application, our loan specialists will start looking at your details so we can match you with the right lender within our network who will help you get cash quick. This shouldn’t take that long and we will likely be able to get back to you with the results within 60 minutes.
Part 3. Communicate with your lender
If you get paired with a lender, they will then get in touch with you to assess your application. If they are able to offer a personal loan, then they will send you a contract with all the loan details. Make sure to read what it contains and understand the fine print. This way, you know exactly what is involved with the financing offer. If you agree with the contract, sign it and send it back to the lender. They will then start the fund transfer. If you have an NPP-enabled bank, you may get access to the funds within a minute!
Are there additional costs?
The lenders we partner with are known for being upfront with their costs. This means that every fee, every charge, and every cost attached to your loan will be detailed beforehand. This way, you will not be surprised with additional costs later on. Still, we always advise you to read the fine print when signing a loan contract and if you have questions, be sure to raise them to your lender.
Are there credit checks?
Most likely. We do not offer any guarantee that there won’t be any credit assessment. After all, we make sure that the lenders we partner with adhere to responsible lending practices and carrying out credit assessment is part of that. If you have bad credit and you are worried that this might lead to you getting rejected, don’t. Our lenders are known to focus on more than just your credit score when making a decision. They will also look into your present relationship with money and whether you can afford to pay off a loan or not.
Are Centrelink borrowers accepted?
If you’re receiving Centrelink benefits and you are trying to get cash quick, you are more than welcome to apply. If you’re worried that you will get rejected yet again if you make an attempt to get access to financing, not with us. We have lender partners that are willing to consider Centrelink payments as regular income, as long as you have been receiving it regularly for no shorter than the last three months. In addition, they will be more concerned over your capacity to repay a loan if you are granted one, so your being on benefits should not be a hindrance.
How can I repay the loan?
Repaying the loan is easy. The lender will get you set up for direct payments, so you won’t need to have to constantly remember your due dates. You just have to make sure that there are enough funds in your account on that date and the repayments will just be automatically debited every time. In addition, the direct debit setup will stop as soon as the loan is paid off, which makes it even more convenient.
What if I can’t pay the loan?
If you ever find yourself in a position where your financial situation changes and you are now struggling to pay your loan obligations, make sure to let your lender know. They may be able to help in restructuring your loan payments to give you enough breathing room to get your finances into order. Make sure to let them know long before your next due date to come up with some alternative option for you.