• Fast application
  An application takes less than 5 minutes to complete. We process your loan a short time later with the money on it’s way to your bank account in under an hour. That’s a seriously fast loan.
• 100% online
  You don’t have the time to deal with manual loan processes. Get your bank details and ID together and you’re ready to go. You can apply 24/7 – we’re always open.
• Money in a hurry
  Our cash loans are not like credit cards or other forms of revolving credit. You get the money fast, you pay it off fast, and that’s it. If you need us again, just login and apply for an even faster loan.
• A fair go
  You generally do the right thing and pay off your debts. We won’t penalise you because you’re credit file isn’t perfect. What we look for is a recent history of repayment and affordability.
• We’re responsible
  We take our obligations seriously and we don’t want to lend you money if you can’t afford to repay it – this takes our total focus every day. See the FAQ for more information.
• Customers first
  If you need to know your current balance, the status of your loan, your repayment dates or get another loan, then you can log onto our secure client area and it’s all there.

How does the application process work?
Our application process is totally online. It allows us to process your application faster and get money to you sooner. The information we ask for is designed to satisfy the regulatory obligations we have without overburdening you with detailed requirements. It’s fast, easy and convenient.

When can I apply?
It is an online service and can receive loan applications 24/7.

Am I eligible for a loan?
If you’re 18, an Australian resident and can afford to repay it, then you’re eligible for a loan with us.

What if I'm on government benefits?
You need to be employed and demonstrate a regular income stream to be eligible for a loan. It’s OK if you receive some form of Government benefits however it can’t be your primary source of income.

Are there any credit checks?
In most cases, we will carry out a credit check during the Application process but that doesn’t mean that if you have had problems in the past we’ll automatically reject your Application. We’re more interested in your recent history and your current capacity to repay the loan.

What’s the minimum information I need to provide?
We need to do a few things: we need to verify you are who you say you are; we need to do some basic credit enquiries; and we need to check you can afford the loan you’re asking for. In the past, this would take days to complete, however recent advances in technology have allowed us to carry out these enquiries totally online, in a secure manner. During the Application process we will ask to enter the following information:
-Your Driver’s Licence Number or your Medicare Card number.
-A valid mobile phone number that is capable of receiving an SMS.
-Your Banking details.

Why do you ask me to enter my internet banking details?
Ultimately, this will help us ensure that you do not fall into difficulties in making the repayments due under a loan or incurring further costs and charges.

Who sees my internet banking log-in details?
No person can access your internet banking details. When you enter your banking credentials on our website they are immediately encrypted. The encrypted details are then passed by Perfect Data Solutions Limited to Yodlee. They are stored in a highly secure data centre which has a single use, to generate a read-only data-feed which we will use to assess the affordability of the loan.

What happens to my internet banking details after I enter them on your website?
As an organisation, security of data and prevention of fraud are fundamental to us. We are committed to using practices to ensure that our services are provided within a secure environment. Your internet banking details are encrypted and held securely by our professional service providers. Our partner, Perfect Data Solutions Limited, Yodlee and us, are permitted read- only access to your current account, so will only ever be able to view your account. We do not have the ability to change any of your banking details or set up standing orders/direct debits. All data is securely handled in accordance with data protection laws and our privacy policy.

What happens to the bank statements we obtain?
They will be used by us to make lending decisions about you and stored by us as long as necessary to assist us in managing your account. It will be also stored by Perfect Data Solutions Limited and Yodlee.

What will my bank say about me entering my log-in details into your website?
We would recommend that you review the Terms and Conditions of your internet banking provider. Before you decide to submit your banking credentials, we stress that security is of paramount importance, we would especially mention that:
-Your data is encrypted in transit.
-We do not have any functionality over your bank account
-We only have access to a read-only service.

How long does it take?
The Application process takes less than 5 minutes and you can have your money in minutes, (if you bank with the Commonwealth Bank, sometimes longer with other banks although we aim to give you your money within the hour).

How Much Does It Cost
Our costs are straight forward. If you have any questions about our fees, please don’t hesitate to contact us:
Establishment Fee: 20% of the loan amount
Monthly Fee: 4% of the loan amount, Late Fees that may apply
Direct Debit Dishonour Fee: $35
Collection Fee: $50

What happens if I can't repay on time
Importantly, contact us as soon as you realise you may have difficulty repaying us on time. There are additional charges as outlined above that may be payable on outstanding balances.

What time of day is the direct debit?
Direct debits usually occur overnight or pursuant to your banks processes. We’ll usually try to schedule your repayment the day your salary or benefit is credited to your bank account.

Can I repay early?
Yes you can. There are no early payment penalty fees or charges.

Can I borrow again?
Yes you can. If you have repaid your previous loan in full there may be benefits as a repeat customer.

How safe is my financial information?
Your privacy and security is important to us. We employ the same standards as banks and other online payment companies to ensure that your financial information is safe and secure.

How is my information stored and protected?
All information is entered through a Secure Socket Layer (SSL), which means an encrypted connection is created between your system and ours so that any information passed between us is secure.

Do you share my information with anyone?
Only if we specifically ask if it’s OK and you agree to it.

What information about me is collected and stored?
Only information that is essential for us to do business with you.