close up of money note

So, you have made the decision… you are going to apply for a small loan. What was the turning point? Did you just announce your wedding engagement? Are your car’s tyres bald and in need of replacements? Or maybe you need a little extra cash to help fund that dream home renovation.

Whatever the reason for needing a small loan, there are a few things to consider before applying. Have a read below, and feel free to contact us if you have any further questions. Keep in mind, because Pretty Penny is the specialist when it comes to short-term cash advances, the process is a whole lot easier.

Do you meet the borrowing criteria?

The borrowing criteria is pretty short at Pretty Penny. It is no secret that we have a high approval rate. The reason? Because we believe everyone deserves a fair go, regardless of your credit history. We consider all applicants, and we don’t ask ridiculous questions. Personal questions are personal!

Our motto is to: “Treat everyone with the same respect and trust, regardless of their personal or other circumstances.”

Everyone faces financial difficulty at some point in their lives. And if and when that happens, we like to be there to help in any way we can. Even if it means loaning a small amount in order to buy groceries for the week.

Back to the borrowing criteria. Our easy small loan application process requires some basic information, including your name, address, phone number etc. as well as a bank statement. We also only need to know that you have either a job, a phone plan, or a guarantor.

Our application can be defined in 4 words: Apply, Verify, Approve, Receive. It’s that easy.

So, don’t wait weeks or even months for a loan to come through. Have cash in your bank account by close of business.

Apply for an amount of money that suits your requirements

A lot of people make the mistake of borrowing too much money. Ask yourself: what do you need the small loan for? An electricity bill? A suit for that upcoming wedding? Just some extra cash until payday? That is the figure you need to apply for.

Anything less obviously won’t work, while anything more is money that you have to pay back eventually. Emergency cash is called emergency cash for a reason. Make sure that you apply for an amount that you can afford to repay.

Learn more about how to borrow money effectively with this helpful article: The Dos and Dont’s of Borrowing Money

How much can I borrow?

Pretty Penny offers same day cash advances, delivered into your account within hours. However, if an application is received late in the afternoon, your funds may only arrive the next morning.

We specialise in small loans, up to $500. This amount is perfect for covering things like unexpected bills. If you are short on cash this month, head over to our application page.

The best part about our streamlined small loans process is that you can apply anytime, anywhere. All you need is phone reception. That’s right! You can apply to have up to $500 in your account the same day from your phone, your tablet, or your computer.

If you need further assistance, don’t hesitate to call our customer service team who can guide you through the process.

Remember to always borrow responsibly. Pretty Penny only advocates requesting amounts of money that you can afford to repay, on a schedule agreed upon. Read more about borrowing responsibly here: How Much Money Can I Borrow?

What happens next?

Remember the 4-step application process? Apply, Verify, Approve, Receive. Arrive at your next payday without dipping into savings!

Once you have sent through all your details, we will verify them. Then you will be notified of our decision. If approved, receive the funds in your account within hours. That is how quick and easy it is.

Pretty Penny recommends seeking the advice of a professional before acquiring a small loan.

For more information about getting back on your feet after a cash flow emergency, read Get Back On Your Financial Feet


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