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I Need Money Fast

There are plenty of situations when you may need money immediately. If you don’t have a backup stash or it is too small, you have nothing to do but look for alternative ways of how to get money quick. Happily, these days, this is not impossible. Residents of Australia can get quick money online with no hassle. The procedure is absolutely legal and it doesn’t take much time.

Things to Consider about Fast Money

Usually, when people say about fast money they mean fast money loans, which are available both offline and online. They are also called “payday” or “cash advance” loans. These quick money loans can be secured or non-secured. They are provided for a shorter term than bank loans while you don’t need to have a high credit score to become eligible. The ease of applying and speed of the request processing make fast money loans highly demanded in most countries of the world, including Australia. However, many people associate money fast loans with draconian interest rates, huge penalties for late payments, and unclear terms and conditions. The truth is, as always, somewhere in the middle. Let’s find it out.

I Need Money Fast: What Are the Solutions?

What do people usually do when in need of money? Of course, the most logical solution is to earn the needed sum. But what if you are pressed for time? Unfortunately, nobody is 100% protected from urgent financial problems. In this case, you may ask your friends or relatives for help. However, few people can render financial aid immediately, especially if more than 1000 dollars is needed. Another possible solution is to apply for a bank loan. On the plus side, the interest rates of bank loans are quite low. On the minus side, the applications are reviewed for several days; sometimes, for a week or two. Additionally, to get a bank loan on favorable terms one needs to have a spotless credit history and a high credit score. If your credit score is not high enough, probably, you are not eligible for bank loans. An alternative solution is a credit card. It can be of use if you need to buy something, but it is almost useless if you need cash, as the fee for cash withdrawal is too high. Happily, there is one more way to get money quick – by taking a fast short-term loan online.

What Should I Do If I Need Cash Fast?

The easiest way to loan money fast is to look for available offers on the web. Once you’ve selected a lending company, you should apply for a loan. Make sure you meet the requirements to borrowers, check all your papers, and make an application, following the instructions. This is, probably, the most time-consuming part of the whole process, as you need to double-check all the data you are entering. If you’ve done this properly, you’ll get a response soon (approximately – in 10-20 minutes). When it comes to fast money loans, the majority of applications are approved. If you received an approval, you should read the terms and conditions of the loan agreement and accept or abandon it. This is the most responsible step, as, by accepting the agreement, you are taking over a loan. As soon as you accept the loan agreement, the money is sent directly to the bank account that you’ve specified in your application. The money transfer is normally completed within one business day. It means that you will get the funds on the next day or in two days.

 What’s the Cost of Fast Loans?

That’s no secret that fast online loans are more expensive than conventional bank products. However, they are not too expensive if you use them correctly and repay them on time. In Australia, the state supervisory bodies, such as the Uniform Consumer Credit Code (UCCC), regulate the costs of short-term non-bank loans. Thus, there is a fee cap for the loans of this type. It is 24% for every $100 borrowed. This fee consists of the establishment fee (20%) and the monthly fee (4%). This fee cap is applied for smaller loans - $200 through $2000 inclusive.

If you want to lend more than $2000, then the fee cap for you will be $400 charged as the establishment fee. Meanwhile, the APR can reach and even exceed 700%, which is quite impressive. But you need to keep in mind that fast loans are usually taken for a short term of 2-4 weeks, so you are not likely to overpay so much. The maximum annual interest rate is 48%.

The Benefits of Quick Cash Loans

Those who need money fast in 85% of cases opt for quick cash/payday loans. The popularity of financial products of this type is growing day after day. Of course, this happens not without reasons. A fast money loan has some apparent advantages, which contribute to its popularity greatly.

  • Fast money loans are really fast. It means you can get approval within an hour and get the funds within 24 hours. No commercial bank can offer such a speed.
  • They are very easy to apply for. You don’t need to go anywhere, collect numerous papers, and answer questions about the purpose of taking a loan and so on. Instead, you just fill a simple application form right on your PC or smartphone monitor and submit an application in a couple of clicks.
  • They are available to almost everyone. If you have valid Australian citizenship and a stable source of income, your application will be approved in 95-99% of cases.
  • You can use the loan funds for any purpose. Nobody will ever ask you how you are going to use the money. You can pay for bills, use medical services, buy auto parts or cover any other urgent financial needs. This is as if you had cash.

The major disadvantage of getting money loans fast is their cost. But if you always pay on time, the losses will be moderate. You just need to be clear-eyed about your capabilities.

I Need Cash Fast. Where Can I Take It?

Nowadays, quick money is provided by numerous lending companies online and offline. You can use any method, as there is little to no difference between online and offline loans. Meanwhile, for many people, applying online is much more convenient for a variety of reasons. If you’ve made up your mind to submit an application over the Internet, the most important thing is to find a reliable lender that offers simple and transparent terms. Just Google-search for “money loans quick” and check the results – there are quite a lot of financial companies providing the services of this type. The terms and conditions, as well as the interest rates, can slightly vary from one lender to another; however, all certified companies fully comply with the Australian legislation. Moreover, many micro-financial companies have special offers and bonuses for newcomers, so don’t be lazy to study different proposals and choose the best one. Also, don’t forget to read other customers’ reviews about the company before making an application.

I Need Money Fast. How Can I Apply for an Online Loan Correctly?

In fact, the process of making an application online is very simple. But before you start entering your data, make sure you are eligible for a money loan fast. Thus, you may reckon upon a positive decision if you meet the following basic requirements.

  • You are 18 years or older.
  • You are a citizen of Australia (or an officially registered and employed immigrant).
  • You are have been employed for at least 3 months or have another source of regular income, except for benefits (benefits must not make more than ½ of your income).
  • You can provide a bank statement for at least 3 months.
  • You have an active bank account in an Australian bank, a valid phone number, and a valid e-mail.
  • You can provide a photo ID (a passport, an ID card, a driver’s license, etc.)
  • You can verify your home address (for example, by providing a utility bill).

If you are eligible for a payday loan and have all the necessary papers, you should enter the data in an online form that can be found on the lender’s site. Though it doesn’t take much time, try to be slow when filling in the form. Double-check each figure, as mistakes are inadmissible when it comes to money.

How Safe Is It to Use Fast Loans?

Despite all forms of money quick loans, including payday, installment, and secured loans are legal and regulated by the Australian law, some people still believe they are not safe enough. However, if you adhere to a reasonable approach and always think for yourself, then fast loans are absolutely safe to use. To avoid possible problems just follow some simple rules.

  1. Never take more than you really can return. Weigh up your financial possibilities before applying for a loan. Keep in mind that the fines for delayed payments are huge.
  2. Make sure you’ve read and understood the terms and conditions before you accept the loan agreement. If you have any questions, ask them before clicking the Accept button.
  3. Use the services of licensed lenders only. Make sure the company is reliable, and it doesn’t violate the law.

Some people who need money fast are concerned about the fact that they have to enter their personal and financial data in an online form. Nobody wants sensitive information to be stolen or used by a third party. However, the websites of modern micro-lending companies comply with the highest security standards. Your personal data is protected with several layers of encryption.

Frequently Asked Questions

Q: I need money fast. Can I get it without a credit check?

A: Yes, you can. No companies providing payday and fast cash loans check your credit score and credit history. All you need is to have a valid bank account and provide a bank statement for the period of three months.

Q: I need cash fast but I am a student. Can I get a loan?

A: Some companies provide cash loans to students who need money fast. If you have a full-time or part-time job, you can apply for a loan on standard terms. If you don’t work, you’ll need to provide information about all your sources of income, including benefits, grants, scholarships, etc.

Q: I need cash fast. Do I need to go to the lender’s office or can I get it remotely?

A: You can choose any method. Many modern financial companies offer 100% remote services. It means you don’t have to go anywhere. Instead, you can choose the loan term and size and apply for it on-the-go; no matter whether you are at home, at work or in the street.

Q: I need money fast. Can I get it immediately?

A: Applications for payday loans are approved very quickly, almost instantly. But it’s a mistake to think that those who need money fast can get the cash right after the approval. The funds are sent to the lender’s bank account. Commonly, banks need one business day to process the transaction. That is why you will get the funds on the next day in most cases.

The Bottom Line

“I need money fast” – this is a popular search query of those looking for quick cash loans in Australia. Actually, nobody is fully protected from unexpected financial difficulties. Fast online loans are an easy and 100% legal method of covering emergency financial needs. They are easy to get, as your credit score doesn’t matter. You don’t need to go anywhere – just type your banking details, and the funds will be credited directly on your account. No surprise that more and more people all over the world, including Australians, opt for this simple form of financial aid.


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