Fast and fuss-free instant personal loans
Smooth out the unexpected
We all have bills that come out of the blue or urgent expenses we need to cover. One of our instant loans helps you get the cash you need without filling out endless forms, submitting pay slips, or getting reams of documentation together. We can approve short-term instant loans to cover you in times of need ranging from $500 to $5,000.
Instant loans made easy
When we say instant loans, we mean instant loans. Our 100% secure online application system means we process your request as fast as possible. Once you complete the application process – either online or helped by one of your personal consultants, you’ll get the funds transferred to your account fast, pending your approval.
Instant personal loans – simple and secure
How to navigate your instant loan application
You need to be over the age of 18, an Australian citizen or permanent resident, been receiving regular income for at least 90 days into a bank account and have an active email and/or mobile number.
Get your instant loan questions answered
Your guide to instant loans
Ways to fix your credit history?
Your credit history is the first port of call for many lenders to determine if you’re eligible for credit – be it a mobile phone plan all the way up to a mortgage. However, a credit history captures data on your applications and defaults for up to seven years. Making many applications, such as “quick” payday loans can damage your credit history. You can check your credit history once per year for free using one of the credit reporting companies. This will show you any mistakes, which you must fix. Paying back loans on time and in full is a sure-fire way to help rebuild your credit history.
How do you choose the right personal loan?
Choosing the right personal loan isn’t just a matter of getting the amount you want; you should do your research into different types of personal loans so you aren’t paying unnecessary principal or interest. A long-term personal loan may last up to five years and are used to buy large assets such as cars or renovations. Small instant loans may last from a few weeks to 12 months, and are suitable for urgent purchases – medical bills, car repairs, and so forth. A small loan may be better than a large personal loan, as the short-term nature of the loan matches the short-term expense.
How to better manage your instant loan?
Many of us fret when we have an urgent expense and scramble to get money fast. One of the worst things you can do is put in multiple applications for instant loans. This can hurt your chances of approval. You should also opt for direct debit repayments, so you never miss one. In the meantime, you should look to reduce unnecessary expenses or luxuries to ensure your bank account always has the requisite funds. If you take on an extra shift at work or get a bonus, you should use it to pay more of your loan off – provided there are no additional fees involved.
What to look for in your loan agreement?
Not all loan agreements are boilerplate – they can vary from one lender to another. You should always look for fees and charges. Fees and charges will be present in all kinds of loans. However, some loans may charge additional fees when making additional payments; or even a dishonour fee. You should also look at the repayment schedule carefully; as payments could be deducted before holidays or weekends, which could inconvenience your finances. You should also look at whether repayment insurance is included or not. If you have doubts, ask a friend or a financial professional to look at the agreement to answer any questions.