Getting your Loan

Do you need a Short Term Loan approved fast?

You’re talking to the right people.

You can apply for a loan online at any time from any Australian location.

You can apply for up to $500 within minutes.

Here’s how:

  1. Click Apply to complete your simple online application.
  2. Once approved, the loan amount could be available in your account within hours.

Note: If you apply outside business hours processing can take longer.

We use a simple process that protects you.

We’ll advise you how to borrow only as much as you can afford to repay.

Our costs are upfront and easy to understand.

Our fees are reasonable and clearly displayed.

To complete our simple online application form, click Apply.

To talk privately with someone who understands your needs, ring 0800 835 356

The sooner you contact us, the sooner we can help you.

What we Need

To process and approve your loan we need:

  • Your personal details
  • A Bank Statement

Gathering this information can be time consuming for you so we use safe, secure technology to help you.

We’ll access your information only with your permission and with our highest security.

Note: If you have more than one bank account receiving income, you must provide 90 days of statements for each account.

Over time, we’ll learn to trust each other and you’ll build a good credit history.

And that means you’ll be able to borrow more money when you need it.

Repaying your Loan

Repaying your loan is as simple as getting your loan.

Because a Payday Advance is a short term loan for a smaller amount compared to other loans, you generally repay the loan over a shorter period.

Most customers repay their loan over 4-8 weeks.

We set things up so you can make repayments in step with your pay cycle.

We’ll match repayments with your capacity to repay.

We’ll send you a repayment reminder before Payday and on the day.

On Payday we’ll set up direct debits to your account.

If you think you can’t make a repayment on Payday, contact our Support Team.

Our job is to help you in advance to make your repayments predictable and painless.

After we’ve helped you once, applying for another loan is fast and easy because your information is already on file. Just call us or use the client portal.

More about Short Term Loans

Short term loans are loans of up to $500 for a short period, usually less than 3 months.

This means that fees are less than larger loans for longer periods.

People normally use them to pay for an unexpected expense.

When you need money you will probably want it quickly.

We can satisfy that need because that’s how we process our loans. Fast.

We’re proud of our service because we treat our customers the way they expect to be treated. With respect.

We regard this approach as the most important asset of our company.

We’re also proud of the way our consultants move quickly and responsibly to offer you a short term loan solution that suits you.

Our experience enables us to give you quick, accurate answers to any of your questions or concerns.

Our Short Term Loans provide people with the money they need when they want help fast.

Our experience tells us that difficult financial situations can hit people hard when they’re down.

Our consultants will work very hard to grant you the cash you need on the day you apply.

Normally we’ll transfer the money into your nominated bank account within hours or on the next business day at the latest.

We will always be honest with you.

We will never provide you with a loan that we know you cannot afford to repay.

Some of our customers prefer personal contact.

They like to call and talk through their problems with someone who understands their needs.

This helps customers build trust and makes them more comfortable when discussing a subject that for most people is private and sensitive.

How it Works

Once we’ve approved your short term loan contract, we need to make a few checks to verify your details.

For new customers we ask to see your most recent 90 days bank statements.

The easiest way to do this is with our safe, secure technology Credit Sense which accesses your statements online and views only the information we need.

Your banking details are always safe.

Normally we can confirm your identity online.

Sometimes (rarely) we may need ask you for a copy of your ID, but we’ll always let you know in advance if we need it.

Our aim is to limit the effort for you by doing as much as possible online.

When we’ve confirmed your details we’ll contact you to let you know your loan has been approved.

We then transfer the money directly to your account within hours or next business day.

You can sign for your loan online without the need to fax documents to us.

When we make our loan offer to you, it’s important to read through the terms of the agreement online.

Be sure the terms are as we explained them to you and exactly what you want.

Remember: Our offer to you becomes a binding contract only after we’ve completed all our necessary checks and after we’ve confirmed this with you.

Then we send the money to your account.

Fees

Here are our fees:

  • $24 Account set up fee (first Time clients only)
  • $64 Establishment fee
  • 1% interest charged daily on balance outstanding
  • Optional – Same day deposit fee $12
  • Change of Payment fee $10

If you miss a scheduled payment by direct debit we need to charge you a $13 direct debit dishonour fee, unless you’ve made a prior arrangement with us.

If you contact us to make an alternative arrangement, there is a $10 Change of payment fee

If you miss a payment we will try and contact you by phone, text and email.

Note: We don’t charge a default interest rate.

If your account remains in arrears after 60 days, we may refer you to an external debt collect and as a result you may incur additional fees.

To complete our simple online application form, click Apply.

If you don’t want to apply online, please call us on 0800 835 356 to speak to one of our friendly staff.