Every now and then, emergency costs can leave you scratching around for spare money. If you’re searching for no credit check instant cash loans because you think no one else will approve you, Savvy can help you apply for your loan with no messy paperwork.
We partner with a panel of responsible lenders who focus more on what you can afford, rather than your credit score itself. This allows us to help you get an instant approval with no fuss.
Apply with Savvy today and receive an outcome on your application before you know it.
You can be given the green light for a cash loan with no physical paperwork, as the application process is 100% online, but you won’t be approved without a credit check. A credit check isn’t conducted to check your score specifically, so if you think no one else will give you a loan because of your score, you won’t have to worry as much. However, it’s still a necessary part of the approval process because it gives direct money lenders a complete picture of an applicant’s borrowing history. It checks if you have any ongoing loans or defaults as part of the calculation to determine whether you can afford the loan you’re applying for.
Licenced lenders are required under Australian law to conduct credit checks on all applicants for this reason. Loans offered by those promising ‘guaranteed approvals’ and no credit checks can often come with higher fees and less flexible terms.
Savvy’s loan application process is completely online, so there’s no need to fill out and lodge any physical paperwork. Applying for a loan involves following these steps:
Check you’re eligible
Before you apply for your payday loan, double-check you satisfy all of the eligibility criteria. This includes:
Tell us about yourself
Once you’ve checked you’re eligible for a payday cash loan, you can apply online, which should take you about ten minutes to complete. To start your application, pick your desired loan amount and the reason you need it, before proceeding to the initial application page. You’ll be asked for a few details including:
Verify your identity
You will be asked to provide 100 points of ID to verify your identity. These documents can be submitted through Savvy’s secure portal and can come in the form of a:
An instant outcome on your application is guaranteed once all your particulars have been submitted. From there, if successful, you can receive formal approval in as little as one hour after you apply. A loan contract will be emailed for you to sign and return so your lender can transfer your money. After you’ve done this, you’ll receive your funds very quickly, in most cases on the same day you apply. However, this depends on your personal circumstances.
Yes – you can be approved for a loan if you’re not currently working. Our partnered lenders are more focused on what you earn and its consistency, rather than where you earn it from.
There are several fixed and ongoing Centrelink payments which can be counted as income if you’re applying for a loan and you’re unemployed. These include:
Benefits such as JobSeeker, Youth Allowance, Austudy or ABSTUDY aren’t eligible if they’re your only means of income because lenders deem them as temporary measures which are subject to change at any time.