Ever wished for cash loans lenders to just pop out of thin air, like magic? For money to just magically appear and solve all your troubles, just like that? Us too! Unfortunately, money doesn’t grow on trees and it certainly doesn’t just appear out of thin air. But with a little bit of magic, you never know what could happen. If you’re like so many Australians who are waiting for some money magic to happen, we’re telling you that your wait could be over.
Don’t believe in magic? That’s fine… not everyone does. We’re not about telling you to believe anyway, we prefer to show you that it’s real. Yep, that’s right. We are Personal Loan Wizard and we’re here to put a little magic in your money. Now, before we go too much further, let us introduce ourselves.
We are your Personal Loan Wizard!
We are here to throw some of our magic into finding your next cash loans lender. If you’re tired of searching for hours on end, trying to find a lender that you know and trust, let us work our magic and do all the tedious searching for you! Basically, we’ll take all that time you spend applying for fast cash loans and we’ll cut it down to just a few minutes. Just enter in your information, and we’ll compile you an application that we’ll then try match with an available lender. It’s that easy!
Yep, that’s right. We’re a loan-finding service! We’ll work our magic to find you lenders who can shoot you a loan. No more tireless searching, no more uncertainty. With your Personal Loan Wizard, you’ll never be stressing about finding a fast cash lender again. We have connections with hundreds of trusted and reputable lenders in Australia and, with a few clicks of your mouse, you could too. So, if you’re wondering how to get in touch with a legitimate cash loan lender, wonder no more. We’re about spill all our magical cash loan secrets.
Where can I find cash loan lenders?
You can find lenders offering cash loans right here! We are your personal loan wizard, here to take the stress out of looking for credit. So, if you’re wondering how to successfully find a lender, wonder no more – it’s simple! All you need to do is come to see your Personal Loan Wizard and let us work our magic. Jump onto our website and use the slider at the top of the page to tell us how much you’re wanting to borrow. We can find you lenders offering loans from anywhere between $500 and $5,000. So, select your amount, pick your repayment period and you’ve just started the process. Like a rabbit out of the hat!
Now all you need is a spare few minutes to fill out our online form and you’ll be one step closer to our network of lenders offering quick cash loans. The application is completed 100% online so no need to print off any forms or rifle your way through pages of old documents. We’ll just ask you to provide a few key details about yourself and then our wizards will get to compiling together your application.
What do I need to use your service?
You really don’t need much handy to apply to find lenders offering fast cash loans through us. All that we’ll ask you for is your:
- Reason for the cash loans;
- Contact information;
- Internet banking credentials;
- MyGov account credentials (if applicable);
- Employment information.
If you’re applying for a secured personal loan (between $2,001 and $5,000) we’ll also ask you to provide some details of the asset you are attaching to your cash loans for security. You’ll just need to provide some photos of the vehicle, it’s registration number, model, make, year, fuel type and transmission. You can attach your car, motorbike, boat or caravan for security. If you’re applying for loans between $300 and $2,000, these are unsecured. This simply means that no asset is required.
How long does the whole cash loans process take?
You’ll be amazed at how quickly Personal Loan Wizard can put together a loan application for you! As we mentioned before, our online form only takes a few minutes to fill out. From there, we’ll compile your information into an application, and try match this application with available lenders.
If you have been successfully matched with a lender, they’ll get in contact with you via SMS or e-mail. Now, on the other hand, if you’re not actually eligible for cash loans, you’ll be notified as soon as possible. We may be magic but we’re also responsible and we won’t match anyone with a loan that they can’t afford to repay.
Once we’ve compiled your application, it shouldn’t take long for you to be informed of the outcome. Just keep in mind that if you apply outside of normal business hours, it will take a little longer for lenders to assess your application. Once we’ve found you an available cash loans lender that has accepted your application, you’ll then deal directly with them. They’ll likely to go over some final details with you before officially approving your application. Once they’re happy and you’ve returned your signed loan contract, they’ll transfer you your quick cash loan.
It can take up to 24-hours before you see the funds reflect in your nominated bank account. However, this will depend on the policies of your bank. Most of our clients tend to get their money within a few hours after the lender has transferred it. Now that’s magic!
When can I use Personal Loan Wizard?
You can use our service to find cash loans lenders whenever you like! As our services are 100% online, we are open for business 24/7. However, although we may be wizards, we do still need our sleep like regular muggles. Therefore, if you use our service outside of our normal business hours, we’ll begin putting together your application within the first 2-hours of the next business day.
Our normal business hours are:
- Monday to Thursday: 8 am to 6 pm
- Friday: 8 am to 4 pm
- Saturday and Sunday: closed
Do the lenders you work with offer cash loans for bad credit?
We absolutely can try find lenders willing to offer cash loans for bad credit. Now, as we are the lender-finders, we don’t always conduct credit checks. However, the lender that we pair you with will definitely do one to ensure your ability to repay your cash loans. Don’t let this send you running for the hills. The reason you want to apply for cash loans through us is that the application we make for you will basically talk you up to lenders. If you have bad credit but your overall financial situation and relationship with money for the last 3-months has been up to scratch, this may be enough for your lender to look past those few past mistakes.
When compiling your application, we use the latest in safe banking technology to verify your recent finances. We’ll provide to lenders, a read-only summary of your bank statements over the last 3-months. This will give them a snapshot of your spending habits and your overall relationship with money. If your summary shows you have been trying to make repayments on time, and be responsible with your money, your bad credit shouldn’t get in the way of your application.
So, how do I know if I am eligible for your lender-finding service?
Like the responsible wizards that we are, we do have a few boxes you need to tick to be eligible for our magic money finding service. You must be:
- Over the age of 18;
- An Australian citizen or permanent resident;
- Receiving a consistent income for the last 90 days;
- Able to provide a valid mobile number and email address.
If you’re able to tick all of these off then feel free to get started with the first step in finding fast cash loans lenders! Quickly, before you do, we also like to note that you will need internet banking in order to complete this process. Like we said before, we use the latest in safe banking technology to obtain read-only copies of your bank statements. This is so we can give your application the magic touch. If you don’t already have internet banking, it’s super easy to set up and can be done through your bank in no time at all.
What do cash loans lenders charge?
Well, seeing as we are just the loan-finders, it’s hard for us to say exactly how much you’ll be expected to pay back on your cash loans. However, based on the standard costs of personal loans, we’re able to give you a rough idea of what to expect.
For small personal loans from $500 to $2,000 repaid over 12 months:
- A one-off establishment fee of 20% of the loan principal;
- Monthly fees of 4% of the loan principal;
- A direct debit dishonour fee between $20 and $35.
For medium secured personal loans between $2,001 and $5,000 repaid over 13-25 months:
- A one-off establishment fee – determined by your lender;
- An annual percentage rate of 48%;
- A direct debit dishonour fee between $20 and $35.
For some more information on the standard costs of cash loans in Australia, check out the MoneySmart website. Also, be sure to go over all the fees associated with your cash loans with your lender and read over your loan contract carefully before signing it.
How do I make repayments to my lender?
Repaying your quick cash loans is pretty straightforward. Basically, your lender will set up a direct debit schedule that automatically deducts your payment amount from your nominated account. You can select to make your repayments either weekly, fortnightly or monthly. We recommend setting your payment day in line with your pay cycle just to make things that much easier for you.
It’s really important to always make sure you have enough money in your account for when your payments are due. If you miss a payment, you could be charged a dishonour fee which will be added to your loan repayments. If you are struggling one week and your account is looking a little bare, the last thing you need is extra fees. To avoid dishonour charges, the best thing to do is get in touch with your lender directly as soon as you start to struggle. As long as your lender knows that times are tough, they may be able to work with you to come up with more suitable payment arrangements.
Ready to see the magic?
Now that you know all about the easiest way to find legitimate cash loans lenders, are you ready for us to work our magic and find you one? We’re all highly qualified wizards just waiting to cast some spells and transform your ugly money into a bright and prosperous financial future!