Need a hand finding a lender who can help get instant cash in your bank account today?
What are instant cash loans?
Instant cash loans are personal loans from $500 to $5,000, repaid over a period of up to 24-months. You can use instant cash loans for whatever reason you like. Typically, they are used to cover emergency expenses, large bills and or debt consolidation.
Got a hankering to rip up those old carpets and replace them with stylish hardwood floors? Suddenly noticed that your feet are itchy and can’t stop yourself from buying a ticket to the UK or Africa for a safari? Has bae finally proposed and now’s the time to start planning the massive, whirlwind wedding of your dreams? The bottom line? You need someone willing to loan you instant cash, and you need them now!
Whatever your reason for needing the quick cash, the fact of the matter is that you need it FAST. The good news is that getting your hands on instant cash is easy – as long as you know where to find it. Luckily, Personal Loan Wizard has done the searching for you. We can help you to find legitimate, above-board short-term lenders, all with a few clicks.
What is a personal loan?
A personal loan is your one-way ticket to instant cash. You use it like cash – in other words, however you want!
As mentioned above, personal loans can also be used to pay for home renovations, much-needed vacations, OTT weddings and everything in between.
More often than not, personal loans are unsecured debt. This means that you don’t need to use an asset as collateral when applying. Unfortunately, sometimes getting approved for a personal loan through a bank can prove challenging. This is especially true if your credit history isn’t as squeaky clean as you’d like it to be.
A bad credit history needn’t deter you from finding a lender with Personal Loan Wizard. In fact, our partner-lenders only ask that you have been earning a steady income for the last 90-days in order to qualify to apply for a loan. But, more on requirements later.
The benefits of using instant cash loan lenders
When you need fast cash, an instant cash personal loan from a lender is an excellent choice. When you apply through Personal Loan Wizard, the main benefit is that we create you an incredible application that we will pass on to our network of lenders. The process is so fast, it might as well be magic!
Aside from allowing you access to instant cash when you need it most, a personal loan will also benefit you in the following ways:
- Repayment periods can be tailored to suit your needs. Smaller loans (up to $2,000) generally have a 12-month payment plan. For larger loans (up to $5,000) payment plans can be as long as 24-months. Most lenders will be happy to negotiate a repayment term that works for you;
- They are flexible. You can use the cash from a personal loan for pretty much anything;
- So long as you stick to the terms of your loan, a personal loan could help boost your credit score;
- An improved credit rating will make it easier for you to obtain finance in the future.
How do I find lenders offering fast cash today no credit check?
Do you need a fast cash today no credit check loan? Instant cash with no waiting? There are still some private lenders out there who will be willing to give you the cash you need, without the credit check. But ask yourself, is this really what you want? Credit checks are a part of responsible lending and a thorough assessment. Any lender not conducting a credit check is likely to be less than reputable. This will show in cheeky costs and fees that you weren’t informed about at the beginning. If you do apply for cash loans today no credit check, you could be setting yourself up to pay eye-watering interest rates. Don’t say we didn’t warn you.
This would likely put you in a worse situation than you were in when you started. Otherwise, some cash loans no credit check are just flat out scams. Therefore, it is always best to not try and skip steps when it comes to applying for instant cash. Stop looking for an instant cash advance no credit check and come to us instead. We’ll find you a lender willing to loan you the cash, who will do it in the right way!
What do I do if I have bad credit?
How do you avoid having to spend hours filling in application after application? How do you know that your privacy won’t be compromised? And how do you know that the lender is ethical? The answer is simple. Apply through us. We’ll not only try find you a lender who is willing to look beyond your credit report but also one who is also trustworthy.
When the lenders we are associated with look over your application, they’ll look at your overall financial situation rather than just your past mistakes. Through the application we prepare for you, more focus will be put on your income and spending habits from the last 3-months, and how you currently handle money. That’s because we believe this gives your potential lender a better idea of your ability to repay your loan. Bad credit or not, we may be able to find an instant cash lender for you!
We partner with only the most reputable lenders in all of Australia. When you apply through us, you can have total peace of mind that you will only be paired up with a lender you can trust. Yes, they will credit check you, but they also keep in mind the fact that a credit report isn’t the be-all and end-all of your application. They’ll look beyond your score and also have a look at your current finances, to get a more comprehensive snapshot of your current relationship with money.
Don’t waste your valuable time on the net researching the hundreds of available lenders across the country. We have done all of that groundwork so that you don’t have to.
With years of experience, our experts have carefully sifted out any shady operators and con-artists, leaving you with the cream of the crop. Unlike many others in the finance world, we only have your best interests at heart! If you are after cash loans for bad credit, we have the magic access to the lenders you need!
Red flags to take note of when applying for instant cash
Getting instant cash from a shady lender can lead to problems down the line. It can also land you in financial distress very quickly.
But how do you actually know if you’re dealing with one of these predatory lenders? There are many red flags to keep an eye out for. Three-digit interest rates are usually the first sign of trouble.
Additionally, some lenders may offer instant cash loans to those who are bankrupt or who have a poor credit history but will often charge a hefty fee before doing so.
Others may agree to provide you with an extravagant loan – one that they know you won’t be able to afford to pay back as per the loan agreement. When you don’t, they’ll take advantage of you by hiking up their interest rates or seeking out your assets (if the loan was a secured one).
The bottom line? Ethical, trustworthy lenders will only lend you the amount that they know you will be able to comfortably pay back. The reassuring news is that Personal Loan Wizard will only put you in touch with these lenders.
So how does Personal Loan Wizard’s process work?
Personal Loan Wizard’s process of finding you reputable lenders is quick and painless. You’ll start by filling in our online form. Here, you’ll need to tell us how much you’d like to borrow, along with the ideal time-frame in which you’ll pay the money back.
It all takes just a few minutes to do. If you meet our eligibility criteria, we’ll get started on compiling and sending out your application ASAP. If unfortunately, you don’t meet the eligibility requirements, we’ll let you know you’ve been unsuccessful within a couple of minutes. Otherwise, we’ll get to work compiling your information and crafting your application before matching you with available lenders. This generally wont take us long to do at all.
Do I qualify for instant cash?
The minimum requirements for most lenders are pretty standard. Subsequently, to use our service, you’ll need to be:
- Over the age of 18;
- An Australian citizen or permanent resident;
- Receiving a regular income for the last 90 days;
- Able to provide a valid mobile number and email address.
If you tick all of these boxes, there’s no reason why we shouldn’t be able to start the process of finding you a lender!
How do I pay off my instant cash loan?
When and how much your repayments will be in order to pay back the amount borrowed will vary from lender to lender. However, all of this information will be clearly stated in your loan contract.
Most lenders will set up a direct debit schedule that transfers the funds automatically from your bank account. And most will also provide you with a choice of paying the money back on a weekly, fortnightly or monthly basis. This will usually be in line with your payday to make it super easy for you!
As we are the lender-finder, rather than the lender, we can’t give you an exact idea of what your loan will cost. However, for more information on the standard costs of instant loans in Australia, check out our Costs page.
What if I fail to make a payment?
If for whatever reason, you cannot make a payment, it is important that you let your lender know as soon as possible. Issues like this will be dealt with according to the policies outlined in your loan contract. With at least 24-business hours notice your lender may be able to amend your repayments to make them more manageable for you. Otherwise, you could be charged a dishonour fee which is the last thing you need when you’re already doing it tough.
Is there anything else I need to know?
Yes, just a few more things before you crack on.
There’s no need to scurry around looking for personal documents. You won’t need them when you start the process with Personal Loan Wizard. If your lender does require any further documentation, they’ll request it from you directly once you have been matched with them.
Ultimately, we’re here to make your life easier and find you legitimate personal loan lenders when you need them the most.
Why put yourself through all of the stress that goes with finding a lender for instant cash? If you don’t get caught up in all of the red tape, then the waiting that goes along with the approval process is sure to turn your hair grey. Do it the simple way instead. Choose Personal Loan Wizard and leave your financial worries behind. It’s so easy, it might as well be magic.
Have a few more questions? Don’t stress! Check out our FAQ page for all the answers you need about instant cash. Otherwise, if you’d like to chat with one of our instant cash magicians, send us a message here. Someone from our team will get back to you as soon as possible!