General FAQs
why should i use your service over going direct to a lender?
Because we are not a lender. We are a loan service finder that works within a network of direct Australian online lenders. Instead of applying to each lender you come directly to us, and we connect you with a suitable lender. If the lender we direct you to first time can't help your request is sent to dozens of lenders automatically and you are connected with a lender who can help you instantly.
You could spend hours applying at countless lenders, many of whom will reject you due to a bad credit score after you spend hours sending them your documents or you could let us do the hard work for you. It's an easy choice if you're short on time.
You could spend hours applying at countless lenders, many of whom will reject you due to a bad credit score after you spend hours sending them your documents or you could let us do the hard work for you. It's an easy choice if you're short on time.
How can i apply?
To apply is very simple. Simply click 'find now' anywhere on this page and we will connect you with a lender. From there you fill out the 5 minute application form and you will hear back from the lender in less than 60 minutes.
We work by having connections with some of the biggest no credit check lenders in Australia. We know which lenders are most likely to approve applications and we link you with them directly. This is a totally free service and you have no obligation to use the lender we find for you.
We have helped thousands of Australian's get the credit they are after.
We work by having connections with some of the biggest no credit check lenders in Australia. We know which lenders are most likely to approve applications and we link you with them directly. This is a totally free service and you have no obligation to use the lender we find for you.
We have helped thousands of Australian's get the credit they are after.
How much does it cost to apply through no credit check loans.com.au?
Nothing. Our services are free of charge. No hidden fees whatsoever.
are you a direct lender?
No. We are a free service that links customers to no credit check lenders that can help them. We are not a broker service either, we simply take you to a lender that we believe could be a good fit for you, from there you can choose to apply with them or not. We leave you totally in control.
The great news is that any can apply and the process is very simple. Different lenders have different criteria but generally the minimum is:
- By at least 18 years old
- Have access to your online banking
- Be an Australian Citizen or Permanent Resident
- Have an active and valid email address or mobile number
is it safe?
Totally. All the lenders we work with are 100% licensed to operate in Australia and all operate in a manner compliant with Australian laws and regulations.
WILL THE LENDER CALL MY WORK?
No! Never! We have been extra careful to select lenders who have policies of not contacting employers. We understand that just because you need a fast loan doesn't mean you should have to give up your privacy. We feel very strongly about this.
CAN CENTRELINK CUSTOMERS APPLY?
Certainly! We welcome all applications. We understand that everyone's situation is slightly different and we have lenders that will consider all applications on a case by case basis. Generally our lenders can help customers on Newstart and disability pensions.
Payday Loan FAQs
how much can i get?
Payday loans are fast, easy, flexible and generally lower amounts. Most lender offer cash loans ranging from $100 to $5,000
how do i repay my payday loan?
Repaying your loan is the easiest part of all. Most lenders will set up direct debits which are taken on your pay day. If you want to change the schedule or if you won't have enough in your bank account it is a good idea to contact the lender.
what is the interest rate?
Technically, payday loans don't have interest in Australia. Payday loans generally have an establishment fee and then a monthly account keeping fee. Typically a 20% establishment fee and a 4% a month account keeping fee.
This means paying your loan back early can save you quite a lot in account keeping fees.
This means paying your loan back early can save you quite a lot in account keeping fees.
Personal Loan FAQs
How It Works
Find a lender
We connect you with one of the best no credit check lenders in the country.
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Provide basic info
Fill out the 100% online application form. It takes less than 5 minutes.
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Get cash!
Get the cash paid directly to you bank account instantly when approved.
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Need a bad credit loan in Australia with guaranteed approval?
The good news is there are lenders who will approve loans, sometimes instantly, with no credit check loans guaranteed Australia. The bad news is that they are very hard to find. You could spend hours applying at lenders and getting rejected OR you could let us find you the fastest and easiest no credit check loan right now! You could have you cash in 60 minutes.
Do you know what cash loans are and how to use them? Simply put, these small and affordable instant bad credit loans help you to get money when you need it most. These loans are repayable over a short period of time, usually at the time of your next payday. The short repayment period means that you can get money quickly, especially if you have an emergency happened between pay periods.
Do you know what cash loans are and how to use them? Simply put, these small and affordable instant bad credit loans help you to get money when you need it most. These loans are repayable over a short period of time, usually at the time of your next payday. The short repayment period means that you can get money quickly, especially if you have an emergency happened between pay periods.
We all know that life is up and down. From time to time it throws us a crisis and it can really test us, you can't plan for everything in life. Sometimes life's challenges can put extra pressure on our finances as we struggle to cover emergency costs. When we meet these financial difficulties it can place a huge burden on us, as we find a way to deal with it quickly. In many cases, we can dip into our savings or borrow from family and friends. But sometimes this just isn't possible and we need a new way to cover the unexpected costs. That is when a fast, easy and online loan can be exactly what we need.
Fast Cash In Seconds
Typically, these kinds of loans are to cover emergency expenses. To suit this type of need the process is extremely quick and easy, almost all loans are paid within 1 hour and some decisions are instant. It is hard to believe but many payday loans are paid out before you have even closed the web site, this is known as on page approval. Receiving the funds is easy, they're paid directly to your bank account so you can use them straight away.
Easy To Borrow
The application process involves providing confidential information (such as your name, address, employment history, contact number, etc.). Besides being 18 years old you must have a decent monthly salary so that your direct lender can count on you for the timely disbursement of funds. Of course, to receive funds from the loan company, you must have a checking or saving bank account that is used to accept funds. Later the same account will be used to withdraw the loan amount. Thus, a verified bank account is a necessity if you want to get the payday loans without vising the direct lender personally.
Applying for online cash advance loans or payday loans you can get $100, $300, $500 or even $1,000 dollars. But, if we look at traditional loans, they are too complex to deal with. For example, it requires a lot of time to complete applications for these loans. You must wait for weeks to get approved and provide more than just basic information. Thus, payday loans low fees are more beneficial in every way.
Applying for online cash advance loans or payday loans you can get $100, $300, $500 or even $1,000 dollars. But, if we look at traditional loans, they are too complex to deal with. For example, it requires a lot of time to complete applications for these loans. You must wait for weeks to get approved and provide more than just basic information. Thus, payday loans low fees are more beneficial in every way.
Who to borrow from?
Whilst most lenders tend to charge the same prices for loans, the flexibility of the products the repayment times and the customer service varies greatly from lender to lender. Finding the lenders with the most flexible loan terms and easy application process can be quite a challenge. Finding the right lender that suits your needs can be a huge help in your time of need,. Once you have found a good lender you should stick to them and you will find that getting quick cash for a financial emergency will be even easier and faster in the future. So don't just go with any lender, let us connect you with a reliable and reputable lender. Actually, it may be useful to make a list when you have free time and before you are in the middle of financial crisis. Just to be safe! Take the time to find several loan companies. There are plenty of offers like guaranteed approval payday loans or no credit check loans! You should be very careful selecting them. The truth is that no-one can guarantee your approval and credit check will be performed by the lender even if the emergency occurs.
One area where lenders to vary greatly is in late fees. These can be quite high and really add up if you consistently miss payments. Any lender that we connect you with will negotiate a new payment plan if you contact them but it is vital you notify them before you run into trouble.
One area where lenders to vary greatly is in late fees. These can be quite high and really add up if you consistently miss payments. Any lender that we connect you with will negotiate a new payment plan if you contact them but it is vital you notify them before you run into trouble.
How Much Does a No Credit Check Loan Cost?
Considering the speed, service and type of loan that you normally get with no credit check, the fees are reasonable. Depending on the amount and type of the loan some will leverage interest whilst others may charge fees. What is best will depend very much on your financial situation. Most of the lenders we connect you with charge very simple flat fees that are easy to understand so you know exactly how much you are going to pay before you get the loan. These lenders understand that customers are going through a difficult time and they act accordingly. Do your homework to avoid spending money you do not have to spare and avoid those who try to take advantage of your situation.
The most common fee for payday loans are establishment fees (normally 20%) and monthly fee. Because the loan is normally over about 6 month you can end up paying a few lots of the monthly fee. This fee is how the lenders make a profit, they are running a business after all. Running a lending business can be expensive, especially when customer are late paying or don't pay back at all so you can expect to pay hefty late fees if this is you. There are companies that try to hide application fees in the processing your request, we ensure that we never connect you with any company that hides fees in this way. If you are ever in doubt call the lender first, ask them to carefully explain each and every fee which they will charge on you loan. If they are not clear and upfront about these fees then it may not be the right lender for you.
It might all sound a bit scary and complicated, that's why we have done all the homework for you and found the best lenders in Australia. Let us connect you with a great no credit check lender today...
The most common fee for payday loans are establishment fees (normally 20%) and monthly fee. Because the loan is normally over about 6 month you can end up paying a few lots of the monthly fee. This fee is how the lenders make a profit, they are running a business after all. Running a lending business can be expensive, especially when customer are late paying or don't pay back at all so you can expect to pay hefty late fees if this is you. There are companies that try to hide application fees in the processing your request, we ensure that we never connect you with any company that hides fees in this way. If you are ever in doubt call the lender first, ask them to carefully explain each and every fee which they will charge on you loan. If they are not clear and upfront about these fees then it may not be the right lender for you.
It might all sound a bit scary and complicated, that's why we have done all the homework for you and found the best lenders in Australia. Let us connect you with a great no credit check lender today...
What Our Customers Say
Tash, Brisbane
"I had an important date coming up and really needed a new outfit. No credit check loan helped me find the perfect lender. Thanks guys I love you xoxo"