Cash Loans

Suddenly finding that you don’t have the cash you need can be stressful. Really stressful. Especially when big expenses pop up out of nowhere and you have no idea how you’re going to cover them. So, you find yourself frantically Googling personal loan companies trying desperately to find a reputable lender that offers cash loans with minimal hassle.

Rather than spending hours you don’t really have to try to find a trustworthy lender who can help you out, why not give Loans Buddy ago? We’re expert lender-finders in the finance industry for a reason. Pause the frantic internet search and take a look at why we’re so good at what we do.

Loans Buddy is your local lender-finder expert. What does that mean we hear you ask? Simply put, it means we take all the hard work out of finding a cash loans lender for you. Rather than submitting multiple applications to different lenders, one simple application with us gives you access to a huge number of our partner lenders. We search through our database of trusted lenders and match you up with a lender who we think might be able to help you out. All while you kick back and relax from the comfort of your own home.

You can use your cash loans for almost anything! The beauty of a small personal loan is that they’re super flexible and personalised to the recipient. This means that if you have a reason for needing cash fast, we can help you out by finding you a lender for all your personal cash loans needs. These loans are also famous as short term personal loans, dental loans, medical loans and holiday loans and emergency loans.

See what we mean? There are literally a bunch of different reasons why you might need a quick personal loan to help you through some financial woes. Submit your application with Loans Buddy now and we’ll get straight to work finding you a lender to help.

We’re here to make finance easier, not harder. We happen to think that finance should be accessible to all Aussies, not just a select few. With this in mind, we have made our eligibility criteria nice and simple. If you can answer yes to the few following criteria then you’re eligible to submit your application for cash loans through Loans Buddy. Take a look here:

• An Australian citizen or permanent resident.
• 18 years of age or over.
• The owner of a working Australian telephone number and email address
• Able to comfortably afford your repayments.
• Not already have two or more loans in your name currently, and have not applied for two or more loans in the last 90 days.

The beauty of submitting an application through Loans Buddy is the fact that we don’t need any paperwork or documentation from you! Our applications are 100% paper-free, online and hassle free. All we ask is that you upload an e-copy of your bank statements when you submit your application.

Every lender is going to have differing loan costs and fees that will apply to their loans. As such we can’t give you an exact estimate of what your cash loans may cost you. We can, however, give you an example of what fees you may be charged. Remember, this is an example only. Your matched lender will go through their fee structure with you after they have finished assessing your application.

Yes, you can submit a cash loans application if you receive Centrelink! We have partnered with many lenders who are happy to receive applications from clients who receive Centrelink benefits. Submit an application and we’ll see if we can match you with a lender who will be happy to help!

It’s always a good idea to read your loan contract thoroughly as some lenders may charge extra fees on top of your contractual monthly fee or interest charges. There’s nothing worse than being hit with a fee you had no idea you had incurred, so it’s always a great idea to be well informed before you sign your contract. Some of the more common extra fees that you might expect to be applicable to your loan under certain circumstances are as follows:

Late repayment fee – if your scheduled repayment declines or dishonours due to a lack of available funds or some other reason you may be charged a missed repayment fee by your lender. This missed repayment fee may seem like a small fee at first but these fees can add up over the life of the loan.

Skipped repayment fee – some lenders will charge you a small fee if you request to skip an upcoming scheduled repayment. Due to this fee, it is often better to request a reduced one-off repayment instead of a skipped repayment. A partial payment is still reducing the loan and not adding further fees to the total amount owing.

Early payout fee – some lenders may charge you a fee for paying off your loan early. If you were planning on paying your loan off early be sure to check whether this fee might apply to you. If this fee is applicable to your loan you should do a few calculations and see whether it is cheaper for you to pay off your loan early or let the loan run its life.

Repaying your loan is super easy. Your lender will usually set up a direct debit repayment in line with your income day. You won’t have to do anything except ensure that there are sufficient funds in your account on the day your repayment is due. When your loan is successfully repaid the direct debits will automatically stop being deducted from your account. It’s that easy.

If you’re struggling to make your repayments for some unexpected reason, get in contact with your lender. Most lenders are happy to help you out if you’re struggling a little bit financially. They would rather give you the helping hand you need to get back on top of things, than see you miss repayments and get behind in your loan. As Long as you get in contact with your lender they’ll do everything they can to help you out.

ubmitting an application for cash loans is faster and easier than making your morning cup of coffee. We know just how important time is so we designed an application that will only take a couple of minutes out of your day. Our application is 100% online, paper-free, hassle-free and can be completed in no time at all.

Step 1

Begin your application by selecting the amount you would like to borrow. You’ll then be asked to supply a few details such as your name, age, address and reason for applying for cash loans.

Step 2

We’ll now get you to upload a secure, read-only E-bank copy of your bank statements through our trusted bank statement partner Credit Sense. Credit Sense will ask you to sign on with your online banking details and it will then grab a read-only copy of your bank statements. These statements remain active for 24-hours. This is a completely secure way of uploading your bank statements as none of your personal login details will be saved or stored by us or Credit Sense.

If you receive Centrelink we will also get you to upload a copy of your Centrelink Income Statement which details the amount that you receive in benefits.

Step 3

We’ll now get to work searching through our pool of partner lenders to find one who might be able to help you out. If they need any further information from you they’ll get in touch with you ASAP so be sure to keep your phone handy.

If your new lender is able to approve your cash loans application their team will get in touch with you to discuss the loan offer they have drawn up for you. If you’re happy with the offer you have been made, go ahead and e-sign your contract and get it back to your new lender as soon as you can.

Step 4

Once your new lender has received your signed contract they can release your cash loans funds to your nominated bank account! Depending on who you bank with, your funds could be your account in as little as 60-seconds or at the very latest, overnight.

Unlike traditional lenders who often don’t give you the time of day if your credit history isn’t squeaky clean, the lenders we work with are more willing to give you the fair go you deserve. They tend to look at a lot of different aspects of your application such as your overall relationship with money and your repayment history to previous commitments. This gives them a much better snapshot of how you’re handling your finances. Even if you do have a lint of bad credit history in your past, submit an application and our partner lenders will see what they can do for you.

As Loans Buddy is not the actual lender we do not contact any employers. Occasionally your matched lender may need to verify your employment, however, this is not common. If they do need to get in touch with your employer be sure that they will be discreet and not disclose the reason for the employment check.

We know just how stressful trying to secure finance can be. It can take hours or even days to find the right lender for your needs and even then you’re not yet in the clear. Applications are long and tedious and you often hear more no’s than you can stand. Save yourself hours of effort and an untold amount of stress by submitting your application directly with Loans Buddy. We’ll get to work on your behalf and find you a cash loans lender who may be able to help you out.

Ready to apply today? scroll up and get your application started. In just a few short minutes you could be well on the way to securing the cash loans you need and getting back to enjoying life. Apply now!