# Loans Buddy > Admin Email: info@loansbuddy.com.au ## Pages ### Loan Application [vc_row][vc_column] Loan Application [vc_raw_html css=""]JTNDaWZyYW1lJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZvdmVyZmxvd2h1Yi5jb20uYXUlMkZBcHBsaWNhdGlvbiUzRmFmZmlsaWF0ZUlkJTNEMTA1JTIyJTIwd2lkdGglM0QlMjIxMDAlMjUlMjIlMjBoZWlnaHQlM0QlMjIxNTAwcHglMjIlMjBzY3JvbGxpbmclM0QlMjJubyUyMiUyMGZyYW1lYm9yZGVyJTNEJTIyMCUyMiUzRSUzQyUyRmlmcmFtZSUzRQ==[/vc_raw_html][/vc_column][/vc_row] ### Why Choose Us [vc_row css=".vc_custom_1762606602834{padding-top: 80px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Our Large panel gives you access to Australia's best lenders. [vc_column_text css=".vc_custom_1762606488855{margin-bottom: 0px !important;}"] We have access to an entire market of lenders, which means we will find the loan that will suit your circumstances best. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762686999208{padding-top: 0px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] We are licensed financial broker [vc_column_text css=".vc_custom_1762606503128{margin-bottom: 0px !important;}"]As a licensed financial broker, we do things by the book. We give our customers complete transparency, so there are no unexpected surprises later on down the track.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762687008021{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Our two top tips for borrowers [vc_column_text css=".vc_custom_1762606518733{margin-bottom: 0px !important;}"] Only borrow up to the amount where you can easily afford the repayments. Seek free legal advice from a financial adviser by dialing 1800 007 007 before you apply for this high rate loan. We are vigilant about complying with all State and Commonwealth legislation. This is a requirement of our Australian Credit Licence. Our Australian Credit License Number is 389610. We process your no obligation loan application for FREE. We do not charge any fees to process your application and stand by our "no approval, no charges" policy. 100% online company Your entire application can be completed from anywhere that you have internet access.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762687016063{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Fast turnaround times [vc_column_text css=".vc_custom_1762606535554{margin-bottom: 0px !important;}"]Most of our clients will have their funds deposited in their bank account on the same day.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762687026936{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] We will tailor your loan to meet your personal requirements. [vc_column_text css=".vc_custom_1762606552702{margin-bottom: 0px !important;}"]The combination of our financial broking experience and our smart technology mean that we can find the most suitable lender for your individual circumstances (from hundreds of options).[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762606397650{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762606180042{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### How It Works [vc_row css=".vc_custom_1762606062952{padding-top: 60px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column][vc_column_text css=".vc_custom_1762605975001{margin-bottom: 0px !important;}"]You can organise your loan online in just three easy steps, without any paperwork or long phone calls.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762606090911{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Step One - Apply online in a couple of minutes. [vc_column_text css=".vc_custom_1762606001498{margin-bottom: 0px !important;}"] Submit your details using our easy, online application form. This enables us to verify your identity and match you with the best available lender. We keep your information safe and secure with the latest encryption technology. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979142599{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Step Two - Matching you with the most suitable lender [vc_column_text css=".vc_custom_1762606032794{margin-bottom: 0px !important;}"]After assessing your situation, we utilise our extensive panel of lenders to find you the best available loan. Your new lender will contact you via email with your loan details including the repayments and terms and conditions. If you are happy, you can e-sign to accept their offer.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762606218519{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Step Three - Cheers, here's your cash! [vc_column_text css=".vc_custom_1762606118802{margin-bottom: 0px !important;}"]Once your lender receives confirmation of your acceptance, they will transfer the money into your bank account. You could have your funds in as little as 60 minutes!! (Approval times vary depending on your individual application and your bank's policies) [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column][vc_column_text css=".vc_custom_1762606124831{margin-bottom: 0px !important;}"]WARNING: Your loan approval depends on the information you provide to us in your online application. Your lender may request for you to provide additional document before they approve your loan. As per lending regulations, Installment Loans do not charge borrowers any fees to process their application.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762606228884{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Am I eligible to apply for a personal loan? [vc_column_text css=".vc_custom_1762606156152{margin-bottom: 0px !important;}"]In accordance with lending regulations, you must meet the criteria below to be eligible for an instant personal loan. You need to be an Australian citizen or permanent resident. You must be at least 18 years of age. You cannot have two or more existing loans under your name. You must not have already applied for two or more loans in the last 90 day period. You must be in a financial situation where you are able to comfortably meet your loan repayments. You need a valid Australian phone number and an email account. You will have less chance of being approved if you have been declared as a 'Defaulter' by a previous lender due to incomplete repayments in the past. Your approval is dependent on the policies of each individual lender. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762606268927{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Are Centrelink recipients eligible to apply for this loan? [vc_column_text css=".vc_custom_1762606173547{margin-bottom: 0px !important;}"]Centrelink beneficiaries will qualify for this loan if they meet the following criteria: Up to half of income (50% of total) is received from Centrelink. Loan repayment amount must not be more than 20% of total income (this also includes any repayments on past loans). [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762606397650{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762606180042{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Security [vc_row css=".vc_custom_1762605378868{padding-top: 60px !important;padding-bottom: 60px !important;background-color: #FFFFFF !important;}"][vc_column][vc_column_text css=".vc_custom_1762605451528{margin-bottom: 0px !important;}"]Keeping your personal information safe, secure and confidential is our priority. As an online business we understand the importance of keeping up with the latest changes in technology. Our systems and processes are designed to ensure we protect your personal information from misuse, interference, loss, unauthorised access, modification and disclosure. We have secured our website with the leading Comodo SSL Certificate, using state of the art 256-bit secure socket layer (SSL) technology to ensure that you and your financial data stay safe. Any data that is transmitted between our system and yours is encrypted to ensure full protection of you and your personal information. We also scan and secure our website daily to protect you from cyber-attacks, hackers, credit card fraud, spam and malware.[/vc_column_text][/vc_column][/vc_row] ### Complaints Feedback [vc_row css=".vc_custom_1762605378868{padding-top: 60px !important;padding-bottom: 60px !important;background-color: #FFFFFF !important;}"][vc_column][vc_column_text css=".vc_custom_1762605322560{margin-bottom: 0px !important;}"]We welcome your complaints, comments and compliments. Letting us know what's working well, and what's not working helps us to improve and give you the great service you deserve. Despite our best efforts sometimes mistakes happen, or things don't go according to plan. If you are not happy with any aspect of your service experience, please get in contact right away so we can resolve your issues as quickly as possible. Click here to fill in our complaints and feedback form online with as much detail as you can to help speed up the process. We will be in contact within two business days. If you would like to know more, feel free to view our Complaints Procedure.[/vc_column_text][/vc_column][/vc_row] ### Complaints Policy [vc_row css=".vc_custom_1762605200746{padding-top: 60px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column][vc_column_text css=".vc_custom_1762604889577{margin-bottom: 0px !important;}"]Our customers are our lifeblood, and doing the right thing by our customers is one of the cornerstones of our business. Please get in touch with us if you have any feedback (good or bad) regarding our service. Your feedback is important to us to ensure that we are continually improving our service. If you have any complaints, please get in touch with us so we can do everything within our power to resolve your issue. Installment Loans Complaints Process.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762605208480{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] 1. Contact us to lodge your complaint. [vc_column_text css=".vc_custom_1762604910588{margin-bottom: 0px !important;}"]To make things easy for you, we provide a variety of contact methods for you to get in touch. Choose the contact method you are most comfortable with. Our contact details are below for your convenience: Phone and speak to our friendly team on 0424 102 033 Email us at hello@loansbuddy.com.au Complete our online complaints form via our website. Fax us on 0424 102 033 Or you can write to us at PO Box[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979142599{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] 2. Notification within 2 business days of us receiving your complaint. [vc_column_text css=".vc_custom_1762604930093{margin-bottom: 0px !important;}"]If you contact us in writing, we will notify you to let you know we have received your complaint within two business days of our receipt. To make sure you are kept in the loop, your notification will also include some information explaining how our complaints procedure works and about any other relevant procedures we may need to undertake.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762605215113{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] 3. Complaint resolution within 24 hours. [vc_column_text css=".vc_custom_1762604970611{margin-bottom: 0px !important;}"]Our goal is to provide a resolution as soon as possible, and most of the time we can resolve your complaint immediately. If we need to escalate your complaint to a more senior team member, it may take a little longer. If we identify that the complaint needs to be handled by the lender, we will advise you of the next steps forward.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] 4. Complaints which take longer than 24 hours to resolve. [vc_column_text css=".vc_custom_1762604989409{margin-bottom: 0px !important;}"]There may be times we need to spend more time working on your complaint. The process below outlines how we will handle your complaint in this instance. Documentation in the complaints register. All complaints that cannot be resolved within 24 hours are documented by us in our Complaints Register. We may contact you: If we need to gather more information. To request for you to complete a complaints form If you have lodged a complaint over the phone, our team should have collected the required information and will complete the complaint form on your behalf.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Investigation [vc_column_text css=".vc_custom_1762605008427{margin-bottom: 0px !important;}"]Once we have all the required information, one of our Complaints Officers will thoroughly investigate your complaint. They will coordinate and manage the investigation of your complaint and can be contacted via phone 0424 10 22 33 or email hello@loansbuddy.com.au[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Outcome [vc_column_text css=".vc_custom_1762605024687{margin-bottom: 0px !important;}"]We endeavour to resolve complaints within 21 days. If this is not possible, then your Complaints Officer will be in touch with you regularly with updates. Steps to take if you are not satisfied with the outcome of your complaint If you are unsatisfied with our Internal Dispute Resolution processes and the outcome of your complaint, you can seek assistance from an external body.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] External Dispute Resolution [vc_column_text css=".vc_custom_1762605072129{margin-bottom: 0px !important;}"] External Dispute Resolution is the next course of action. This can help if you are: Unhappy with the answer to your complaint You are not satisfied with the offer you have received. You have not had a response to your complaint within a reasonable time. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Credit Contract Disputes [vc_column_text css=".vc_custom_1762605108514{margin-bottom: 0px !important;}"]If your dispute is regarding your credit contract you must contact your credit provider for more information and attempt to resolve your complaint with them before contacting an external dispute resolution scheme.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Financial Complaints - External Body [vc_column_text css=".vc_custom_1762605143177{margin-bottom: 0px !important;}"]The Australian FInancial Complaints Authority (AFCA) provide fair, free independent dispute resolution for financial complaints. You can complain to the AFCA online or you can contact them on 1800 931 678, Monday to Friday, 9am-5pm AEST. You can also email info@afca.org.au, write to them at Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne VIC 3000. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762605241709{padding-top: 20px !important;padding-bottom: 60px !important;background-color: #FFFFFF !important;}"][vc_column] Privacy Complaints - External Body [vc_column_text css=".vc_custom_1762605160437{margin-bottom: 0px !important;}"]If you need to escalate a complaint regarding the privacy this matter can be taken up with the Privacy Commissioner. You can contact them via phone on 1300 363 992, or email them on info@oaic.gov.au, write to them at The Office of the Australian Information Commissioner, GPO Box 5218, Sydney NSW 2001 or fill in a complaints form online.[/vc_column_text][/vc_column][/vc_row] ### Emergency Cash Loans [vc_row css=".vc_custom_1762687918891{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Emergency Cash Loans: A Saver For Quick Cash Solution! [vc_column_text css=".vc_custom_1762523361992{margin-bottom: 0px !important;}"]Do you need a quick loan to address a financial emergency? Are you looking for a quick loan service to provide emergency cash until your next payday? You don't have to worry about it, as many online lenders offer Emergency Cash Loans. Loans Buddy offers a great lending program for working-class people needing a few hundred dollars to use until they get their next paycheck. Emergency or urgent loans can be a lifesaver when you have an unexpected expense or don't have enough savings. These loans can be quickly funded to cover last-minute expenses and gaps in your income. The best urgent and emergency loans will give you cash when needed, and you can repay them over several weeks or months.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762687932860{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Emergency Cash Loan: What Does It Mean? [vc_column_text css=".vc_custom_1762523370725{margin-bottom: 0px !important;}"]An Emergency Cash Loan is a short-term loan you can quickly access in an unplanned financial emergency. These loans are typically unsecured and do not require collateral. They are also intended to be repaid in a very short time, usually within weeks or months. At Loans Buddy, you can quickly get such a loan, often within 24 hours. These loans are designed to assist borrowers with all credit scores to obtain the financing they need to overcome life's challenges. The traditional loans you get from banks or credit unions typically take several days to process, so they aren't great options if you need money quickly. These institutions often have stricter credit requirements, which can lead to disqualification for many borrowers. These emergency cash loans can be used to pay unexpected expenses such as car repairs or medical bills. Although these loans are available to all credit types, they are often more expensive than traditional loans due to higher interest rates and fees. In a nutshell, they are great if you have urgent cash needs.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762687945220{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] In What Situations Do You Need Emergency Cash Loans? [vc_column_text css=".vc_custom_1762688029873{margin-bottom: 0px !important;}"]Borrowers typically need an emergency loan to cover immediate expenses such as the following: Urgent car repair: Cars represent most people's primary mode of transportation. If your car breaks down unexpectedly, your regular income might be insufficient to pay for the repairs. You can get emergency cash loans to pay for repairs. Emergency home repairs: Your house could be at risk from a leaking roof or a broken appliance. This can make your home and family more vulnerable to the elements or lead to further property damage. You can get an emergency loan online to fix these problems quickly. Debt: It can be difficult to pay outstanding bills, especially if there is no steady source of income. Emergency loans for unemployed Australians may help these situations. These loans can pay off your mortgage or other urgent debts. Emergency travels: These travels are for unexpected situations or family emergencies. Because they are not always predictable, emergency funds can be used to provide enough money for travel expenses such as plane tickets or trains. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688043082{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Choose Loans Buddy & Get A Loan To Help With Your Emergency [vc_column_text css=".vc_custom_1762523400425{margin-bottom: 0px !important;}"]Loans Buddy offers much more than emergency cash loans 24/7 in Australia. No matter how urgent your situation, you don't want money borrowed from anyone. You need to partner with someone with a lot of experience and committed to customer service.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688053701{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Experience [vc_column_text css=".vc_custom_1762523416818{margin-bottom: 0px !important;}"]Loans Buddy has been helping people obtain the emergency loans they need for a long time. Since then, we have funded over a million loans and removed all barriers to lending so that everyone can access the emergency funds they require whenever they need them.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688064672{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Customer Service [vc_column_text css=".vc_custom_1762523434415{margin-bottom: 0px !important;}"]Our quick loans are designed to meet your needs. We make it as simple as possible to get you money quickly. After you receive your loan, you can access the internet at any time to view your loan status and track your repayments. You can also get help from us when deciding how much to borrow. To help you solve any problem, please get in touch with us immediately.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688080417{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] We are always available to help you! [vc_column_text css=".vc_custom_1762523451529{margin-bottom: 0px !important;}"]The loan repayment terms and due dates are clearly established at the beginning. We will help you create a contingency strategy that suits your needs if you experience an unexpected event that you haven’t planned for.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688087535{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How does Emergency Cash Loans benefit? [vc_column_text css=".vc_custom_1762688230693{margin-bottom: 0px !important;}"] It is easier to get emergency loans. People in urgent need of cash can often get emergency cash loans. Lenders can release loans quickly, unlike home or auto loans that take a long time to release. This type of loan is best if you don't want stress from the release process. These loans are easier to pay. Emergency loans are easy to get and convenient to pay. Most people who apply for this loan don't use it as much. Personal loans for emergencies are better if you only need a small amount. Don't borrow more than you really need. If you do not, you could end up financially strapped. You should only borrow what you really need to cover an emergency. Most cases don't require collateral. These personal loans are for people who need immediate financial assistance. Most lenders won't require collateral even if the borrower is a credit-worthy individual. If you've been paying your debts on time over the last months, this will give you an advantage when applying for this type of loan. It is much easier than other types of loans. The application process is simple and easy, apart from the actual release process. You don't need to submit paperwork regarding your property because there is no collateral. You only need to provide the necessary paperwork, such as proof of identity, income, and any other documents you may be required to submit. You must wait for approval after submitting the documents. Quick access to cash. Access to cash is the last thing you should worry about. Personal emergency loans may be the best option if you need cash quickly. Lenders will often release cash immediately if the application is approved, particularly if it's an emergency.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688240126{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Who can apply? [vc_column_text css=".vc_custom_1762688259037{margin-bottom: 0px !important;}"]Loans Buddy believes in easy application and simple criteria. Because we don't want people to be discouraged from applying, our application criteria are simple and inclusive. We only ask that you meet these criteria: An Australian citizen or permanent resident. 18 years or older. The applicant owns an Australian phone number and an email address. You can comfortably pay your monthly repayments. You do not have any loans or have applied for loans in the past 90 days. If you answered "yes" to all the criteria, you could apply for an emergency loan from Loans Buddy. Submit your application now to get a quick response and fast emergency loans when you are most in need.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688265337{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Submit your loan application today! [vc_column_text css=".vc_custom_1762523507349{margin-bottom: 0px !important;}"]Nothing is more stressful than an unexpected expense that you don't have the funds to cover. Loans Buddy can help with emergency cash loans, whether your fridge or washing machine has burst or you need to pay a vet bill or medical bills. An emergency loan is a quick, easy, and affordable way to pay for your expenses when your savings aren't enough.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762688278506{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] When life gets messy, turn to Loans Buddy! [vc_column_text css=".vc_custom_1762523520329{margin-bottom: 0px !important;}"]Loans Buddy offers hassle-free online applications which take just a fraction of as long to complete. You don't have to waste time filling out lengthy and complicated applications. Loans Buddy can help.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762522944098{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Weekend Loans [vc_row css=".vc_custom_1762683017589{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Weekend Loans With Loans Buddy [vc_column_text css=".vc_custom_1762523077042{margin-bottom: 0px !important;}"]Because weekdays can be so restricted, it is only natural that you want to make the most of your weekends. You don't have to worry if you have weekend plans that require money, but payday is too far away. A weekend loan from Loans Buddy could be the right option if you have an exciting weekend planned or an emergency but are tight on cash.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683041673{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What Are Weekend Loans? [vc_column_text css=".vc_custom_1762523091485{margin-bottom: 0px !important;}"]A weekend loan is simply another name for a cash loan. Named after the purpose of the loan, a weekend loan is used to pay for weekend expenses. A weekend loan is a short-term loan that allows you to get through your weekend without waiting for payday. The principle of a weekend loan is the same regardless of the reason. You borrow money and pay it back over a set time. The lender will usually dictate the amount and repayment terms. These loans are easy to apply for, and money can be available in your bank account within one hour to one business day if approved. A 'weekend loan' might be a good option for strapped people who need fast cash to pay an unexpected expense or cover an immediate emergency (like home repairs). These loans aren't necessarily the most affordable option; they can have strict terms and high fees. Sometimes these loans can lead to higher interest rates than the amount you borrowed.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683055416{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] For what weekend loans can be used? [vc_column_text css=".vc_custom_1762683372582{margin-bottom: 0px !important;}"]There are many types of weekends that you might need extra money for. Those based around fun: A weekend loan is a great option if you want to enjoy weekend activities such as shopping, concerts, and adventures and are tight on cash. Based on projects: We save our house projects and renovation plans for weekends. These projects can include house painting, bathroom fixtures, and DIY kitchen work. A weekend loan is a good option if you don't have the cash to finance weekend projects. Those based on urgent expenses and emergencies: Examples of these include car repairs, sudden medical bills, and emergency travel plans. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683068421{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Weekend Loans: Benefits [vc_column_text css=".vc_custom_1762684223937{margin-bottom: 0px !important;}"]Weekend loans are usually short-term loans. Weekend loans offer some huge benefits. Apply for easy loans Applying for a weekend loan is easy. The majority of weekend loans are easy to get. Online lenders offer a service that allows you to apply for a loan and receive it. Processed in a matter of hours. Quick Processing Short-term loans are most commonly used for weekend and short-term purposes. Such loans process faster than traditional personal loans. This is a great advantage. This means you won't need to wait for your money to arrive. Once your money is approved, the money is in your account in a matter of hours. Paying back early can help you save interest You can repay a loan from medium to large amounts sooner than you think. The sooner you repay the loan, the lower your interest rate. The more you borrow, the less interest you can save. Great for an emergency It is almost impossible to predict when an emergency will arise. So, When life gets messy, turn to Loans Buddy! You may have had a great week at work, but a financial crisis strikes as the weekend draws near. A weekend loan is a quick way to get cash if you are short on cash. Get a weekend loan to cover your weekend expenses, no matter if your expenses are for fun, emergency, or weekend projects. A weekend loan is a great way to pay for these items.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683082878{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Why choose Loans Buddy? [vc_column_text css=".vc_custom_1762523145459{margin-bottom: 0px !important;}"]Loans Buddy offers much more than emergency cash loans 24/7 in Australia. No matter how urgent your situation, you don't want money borrowed from anyone. You need to partner with someone with a lot of experience and committed to customer service.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683097905{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] All applications considered [vc_column_text css=".vc_custom_1762523159109{margin-bottom: 0px !important;}"]At Loans Buddy, we believe in fairness. Everyone has been in financial trouble, and we are passionate about helping others. We work with a network of payday lenders that will consider every application.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683104738{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Cash when you need it [vc_column_text css=".vc_custom_1762523173705{margin-bottom: 0px !important;}"]Sometimes, you cannot afford to wait days or even weeks for a loan. You can find out more at Loan Buddy. You can receive cash in as little as one day* You can apply online 24/7 from any location, anytime, even on weekends, and receive a reply and approval within hours.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683116283{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] An Easier Application Process [vc_column_text css=".vc_custom_1762523187990{margin-bottom: 0px !important;}"]Our application process is simple which makes it easy to get the funds you need. You don't have to spend hours filling out paperwork. We only need the information we are really interested in, such as your name, contact information, and bank statement.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683127639{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How do repayments work? [vc_column_text css=".vc_custom_1762522844236{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683143496{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Experience [vc_column_text css=".vc_custom_1762523203980{margin-bottom: 0px !important;}"]Loans Buddy has been helping people obtain the emergency loans they need for a long time. Since then, we have funded over a million loans and removed all barriers to lending so that everyone can access the emergency funds they require whenever they need them.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683163167{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Customer Service [vc_column_text css=".vc_custom_1762523218787{margin-bottom: 0px !important;}"]Our quick loans are designed to meet your needs. We make it as simple as possible to get you money quickly. After you receive your loan, you can access the internet at any time to view your loan status and track your repayments. You can also get help from us when deciding how much to borrow. To help you solve any problem, please get in touch with us immediately.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683169740{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] We are always available to help you! [vc_column_text css=".vc_custom_1762523233901{margin-bottom: 0px !important;}"]The loan repayment terms and due dates are clearly established at the beginning. We will help you create a contingency strategy that suits your needs if you experience an unexpected event that you haven’t planned for. In times of urgent need, applying for online weekend loans is wise. Compare the terms and rates of different lenders before you make a decision. You can apply online at Loans Buddy and receive cash in 24 hours. What are you waiting to do? Get moving fast. Apply now![/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762683189000{padding-top: 20px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762522944098{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Cash Loans [vc_row css=".vc_custom_1762684331799{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Cash Loans For A Quick Cash Solution | Apply Today For Same Day Approvals [vc_column_text css=".vc_custom_1762522685659{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684343671{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What does Loans Buddy do? [vc_column_text css=".vc_custom_1762522703484{margin-bottom: 0px !important;}"] 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. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684354835{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What can you use your cash loans for? [vc_column_text css=".vc_custom_1762522719170{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684368639{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Who can submit an application with Loans Buddy? [vc_column_text css=".vc_custom_1762522735578{margin-bottom: 0px !important;}"]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. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684383453{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What paperwork is required? [vc_column_text css=".vc_custom_1762522749765{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684394591{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How much do cash loans cost? [vc_column_text css=".vc_custom_1762522788530{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684407598{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Can I apply if I receive Centrelink? [vc_column_text css=".vc_custom_1762522805410{margin-bottom: 0px !important;}"]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![/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684421448{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What other fees could I be charged? [vc_column_text css=".vc_custom_1762684550583{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684434360{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How do repayments work? [vc_column_text css=".vc_custom_1762522844236{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684445153{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What if I can’t afford my repayments? [vc_column_text css=".vc_custom_1762522862993{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684461170{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Want to submit an application for cash loans? [vc_column_text css=".vc_custom_1762522882939{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684473154{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Will bad credit affect my chances? [vc_column_text css=".vc_custom_1762522902849{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684480369{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Do you contact my employer? [vc_column_text css=".vc_custom_1762522920562{margin-bottom: 0px !important;}"]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.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684493933{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Save yourself time and submit your application with Loans Buddy today! [vc_column_text css=".vc_custom_1762522938904{margin-bottom: 0px !important;}"]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![/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684509587{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762522944098{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Dental Loans [vc_row css=".vc_custom_1762684797985{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Have you been putting off going to the dentist? [vc_column_text css=".vc_custom_1762428879023{margin-bottom: 0px !important;}"]Is it easier to put up with your toothache than afford to pay for that root canal? We understand that sometimes the most painful thing about visiting the dentist is paying the bill. Next time you are hit with an unexpected toothache, let us help you with a dental loan so you can focus on feeling better instead of stressing about the bill. Complete our easy online application from the comfort of your armchair, or your dentist's chair. You will get a decision within minutes and most of our customers receive funds in the bank on the same day to pay for their treatment. You can borrow $300 - $2000 to help cover your dental treatments you need. The types of procedures your your loan can cover include but are not limited to: Teeth extraction and removals Fillings Root Canals Implants and bridges Gum surgery Teeth whitening Crowns, caps and veneers Sealants Dentures Braces [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684817877{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Can you help me with a loan for my children's braces? [vc_column_text css=".vc_custom_1762428905415{margin-bottom: 0px !important;}"]Yes we can! Just apply using our simple online application form. Braces are a costly exercise, but your child's smile is priceless and not something you should feel that you have to sacrifice. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684844802{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Things you need to considering before applying: [vc_column_text css=".vc_custom_1762428920729{margin-bottom: 0px !important;}"]Do I meet the following eligibility requirements: What dental procedure is the loan for? I am over 18 years of age I am an Australian citizen or permanent resident. I have a valid Australian telephone number and email address Am I in a financial situation where I am comfortably meet the loan repayments. I do not already have two or more existing loans already in my name. I have not already applied for two or more loans in the last 90 days. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684861743{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Can I apply if I am on a low income or if I am on Centrelink? [vc_column_text css=".vc_custom_1762428934911{margin-bottom: 0px !important;}"]Yes you can, provided you meet our eligibility requirements.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684884782{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What if I have bad credit? [vc_column_text css=".vc_custom_1762428951422{margin-bottom: 0px !important;}"]Everyone deserves a fair go, many of our lenders make decisions based on your recent credit history. You are welcome to apply, and we will do our best to match you with a lender. Some of our lenders specialise in offering loans to people with bad credit.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762684896142{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What are the costs? [vc_column_text css=".vc_custom_1762684947135{margin-bottom: 0px !important;}"]For loans between $2100 - $5000 there standard charges are: Establishment fee: $400 Maximum APR: 65% or less (Depends on Loan Requirement). Repayment period: from 30 days to 365 days. Costs can vary between different lenders. This is an example only. Make sure you review your costs on the loan contract sent to you by your lender. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762428982291{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Medical Loans [vc_row css=".vc_custom_1762685075442{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column][vc_column_text css=".vc_custom_1762428662055{margin-bottom: 0px !important;}"]Medical procedures are stressful enough without having to worry about how can afford to pay for everything. Let us help you find a medical loan so you can focus on getting well again! You can borrow between $300 - $2 000 for almost any medical expenses whether its an operation, cosmetic surgery, unexpected hospital or help paying for travel to access specialised treatments. When you apply, make sure you explain your situation to ensure we match you with the best available quick cash loans to cover those medical bills.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762685085989{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How do I apply? [vc_column_text css=".vc_custom_1762428676761{margin-bottom: 0px !important;}"]We are a 100% online business, so you can apply from anywhere with internet access, whether you are in your lounge or at the hospital. Just complete our easy online application form and we will have a decision for you in minutes. Your lender will be in contact via email with your loan offer and contract to review and accept. You should see the money in your bank on the same day (dependent on cutoff times and your bank).[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762685103462{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Who can apply? [vc_column_text css=".vc_custom_1762428698025{margin-bottom: 0px !important;}"]To be eligible for a medical loan we need to confirm: You are at least 18 years of age. You are an Australian citizen or permanent resident. You have a valid Australian telephone number and email address. You are able to comfortably afford your repayment obligations. You do not already have two or more loans currently in your name. You have not applied for two or more loans in the last 90 days. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762685123910{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What if I am on Centrelink? [vc_column_text css=".vc_custom_1762428715805{margin-bottom: 0px !important;}"]You are welcome to apply if you are receiving Centrelink. To be eligible you need to: Be receiving up to 50% of your income from Centrelink. Your loan payments must not exceed 20% of your income (including any current loans). [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762685467806{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] What are the costs? [vc_column_text css=".vc_custom_1762428732190{margin-bottom: 0px !important;}"]Below is a sample of estimate of the standard costs associated with our same day loans. Costs may vary depending on your lender, always refer to your loan contract to confirm your exact costs and if there are any additional fees.[/vc_column_text] After your loan is accepted estimated costs are: [vc_column_text css=".vc_custom_1762685585919{background-color: #FFFFFF !important;}"]Establishment Fee- Maximum $400 Maximum APR- 65% or less (depends on Loan Requirement). Loan amount- $2100 - $5,000 Loan term- from 30 to 365 days[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762685558926{padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Can I apply if I have bad credit? [vc_column_text css=".vc_custom_1762428774113{margin-bottom: 0px !important;}"]Yes you can definitely apply for quick loans if you have bad credit. We believe everybody deserves a second chance. Our lenders will also assess your more recent credit history and some of the lenders on our panel specialise in bad credit loans.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762426689801{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Payday Loans [vc_row css=".vc_custom_1762689637092{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column][vc_column_text css=".vc_custom_1762427189004{margin-bottom: 0px !important;}"]When life throws a spanner in the works, it’s usually at the most inopportune time. These unexpected events always happen when you don’t have any spare cash or you didn’t budget for anything going wrong. When this happens, it’s easy to feel stressed and unsure of where to turn. A personal loan might not be an option for you and your savings are empty. So, what do you do? Where do you turn for help? The answer could be a payday loan Australia. Not sure what a payday loan is? We can help.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689647168{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What is a payday loan? [vc_column_text css=".vc_custom_1762427213541{margin-bottom: 0px !important;}"]A payday loan is a type of small loan that you can apply for if you need some spare cash in a short amount of time. A payday loan Australia is a small loan that is designed to help you cover costs in the event of unexpected financial shortages or unexpected costs that you didn’t budget for. In the event that you cannot cover costs yourself, a payday loan can help you out in the short term. They’re not supposed to be long term loans, and as such, they are typically for smaller amounts and shorter loan terms than your traditional personal loan.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689669086{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Who can apply for a payday loan? [vc_column_text css=".vc_custom_1762427230736{margin-bottom: 0px !important;}"]A payday loan Australia is a loan that many people can apply for. Eligibility criteria are simple so that the majority of individuals can apply. If you can answer yes to the following then you can submit an application today: Are you an Australian citizen or permanent resident? Are you at least 18 years old? Do you have a personal phone number and email address? Do you have at least 3 months of bank statements? Do you have at least 3 months of work history or Centrelink benefits? As you can see, the application criteria are simple. If you’re looking for a payday loan Australia and you meet the criteria, apply today for a fast outcome.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689687109{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What can a payday loan be used for? [vc_column_text css=".vc_custom_1762427253463{margin-bottom: 0px !important;}"]The beauty of a payday loan Australia is the fact that it can be used for a huge variety of reasons. They’re flexible and can be personalised to many different people and situations. If you need a quick payday loan to get you through some unexpected expenses, a payday loan might be the right option for you.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689701470{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Payday loans - the pros vs. cons [vc_column_text css=".vc_custom_1762427274970{margin-bottom: 0px !important;}"]As with any financial product, there are both pros and cons to a payday loan Australia. By knowing what these are you can make an informed decision when you do decide to apply for a payday loan.[/vc_column_text] Pros [vc_column_text css=".vc_custom_1762689768421{margin-bottom: 0px !important;}"]They’re quick and easy to apply for - applications can be completed in just a few minutes and are usually 100% online. Quick outcomes - you often get your outcome the same day that you apply They’re convenient - payday loans are great options when you don't have time to save up or wait for traditional lenders to give you an outcome. You can pay them off fast - many lenders allow you to pay your loan off early with no additional fees.[/vc_column_text] Cons [vc_column_text css=".vc_custom_1762689825222{margin-bottom: 0px !important;}"]High fees - payday loans Australia can have high interest rates that can make the cost of the loan more expensive than many people realise. Possible to overuse - it’s possible to fall into a debt trap if you come to rely on payday loans too often. Can affect your credit score - if you make too many applications for a payday loan or use them too often it can lower your credit score. Hidden fees - some lenders will hit you with fees you might not have been expecting. Always be sure to check your contract before signing and be aware of all and any fees you could be charged. Do your best to avoid these by making your repayments on time.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689993719{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column box="true" bgcolor="#ffffff"] General Questions [vc_tta_accordion color="white" active_section="1" collapsible_all="true"][vc_tta_section title="Can I apply with poor credit history?" tab_id="1482227556236-93210f6b-4694"][vc_column_text css=".vc_custom_1762427719544{margin-bottom: 0px !important;}"]Yes, you can apply for a payday loan Australia if you have poor credit history. While a traditional lender may hesitate to lend to you if you have a bit of bad credit history, but not every lender is going to give you the instant no that you might expect from the nig lenders. Payday loans lenders understand that many people are going to have some bad credit history in their past. They also know that everyone deserves a second chance and are willing to provide it. Instead of only focusing on your credit history to make their decision, many lenders will also take a look at your recent financial habits to get a good idea of how you're handling your current finances. This includes your repayment history, income, and other commitments. By looking at an overall snapshot of your current financial situation lenders are able to make an informed decision based upon your current banking habits.[/vc_column_text][/vc_tta_section][vc_tta_section title="Will my application be credit checked?" tab_id="1482227556269-8e604c25-4720"][vc_column_text css=".vc_custom_1762427737501{margin-bottom: 0px !important;}"]As a part of responsible lending practices, lenders may conduct a credit check on your application. This credit check is nothing to worry about though as your future lenders will also be taking into account your current banking habits when they make their decision. A credit check is just a part of their responsible assessment practices.[/vc_column_text][/vc_tta_section][vc_tta_section title="How long does it take to get approved?" tab_id="1482227640472-2c115c9c-a06c"][vc_column_text css=".vc_custom_1762427755165{margin-bottom: 0px !important;}"]Generally, you can expect to receive your outcome within 24-hours of submitting your application. If you make an application outside of business hours then expect to hear back from your lender the first thing next business morning.[/vc_column_text][/vc_tta_section][vc_tta_section title="How do I repay my loan?" tab_id="1482227667835-d817629f-6a40"][vc_column_text css=".vc_custom_1762427771249{margin-bottom: 0px !important;}"]When you are approved for a payday loan Australia, your lender will generally set your repayments up as an automatic direct debit in line with your payday. This means that you shouldn't have to do anything to make your repayments, they will be withdrawn from your account for you. All you have to do is ensure that there are sufficient funds in your account on the day of your repayment. If you were thinking of paying your loan back early, you can generally call your lender and ask to make an extra repayment towards your loan. They will be able to make a payment with you over the phone.[/vc_column_text][/vc_tta_section][vc_tta_section title="Can my application be declined?" tab_id="1761737557211-2fc10f81-9afc"][vc_column_text css=".vc_custom_1762427792636{margin-bottom: 0px !important;}"]While we would like to help out as many people as we can, sometimes there are situations in which we are unable to offer a loan. This could be for any number of reasons. You may not have enough spare income to fit in repayments or you could be in default to another lender. It can also come down to you being over committed financially. If this happens, know that we did everything we could in our assessment and that declining an applicant is something we take seriously.[/vc_column_text][/vc_tta_section][vc_tta_section title="Can Centrelink recipients apply?" tab_id="1761737584961-df1ddd03-675f"][vc_column_text css=".vc_custom_1762427817610{margin-bottom: 0px !important;}"]Yes, you can apply if you receive Centrelink benefits! We know that it can sometimes be pretty tough trying to get a small loan when you receive Centrelink. Many traditional lenders will automatically decline you while others won’t give you or your application the time of day that it deserves. We don’t think this is fair though. We believe that everyone deserves a chance to get the cash they need when they need it. We welcome applications from individuals receiving Centrelink as their full-time income or as a blended Centrelink work income. Submit an application today and see if we can help you out.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row][vc_row css=".vc_custom_1762690053949{padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Need a payday loan Australia? [vc_column_text css=".vc_custom_1762427893603{margin-bottom: 0px !important;}"]When it comes down to needing extra cash, it can feel impossible to get a loan in such a short period. However, with a payday loan, it really is possible. Payday loans are fast, easy and convenient. They were designed to help make your life just that little bit easier and less stressful so that you can get back to the things that really matter. Rather than spending days or even weeks waiting on a traditional lender to finally give you an answer, submit an application for a payday loan today and see just how easy and fast it really is. So, why wait? Apply now![/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762426689801{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Personal Loans [vc_row css=".vc_custom_1762689216151{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Need help to pay for something special? [vc_column_text css=".vc_custom_1762426806380{margin-bottom: 0px !important;}"]We specialise in providing quick and easy personal loans to give you a financial boost when you need it most. We have helped people with loans for many different reasons: emergency expenses, home renovations, car registration loans, wedding expenses, boat loans, motorbike loans and more. All you need to do is spend a few minutes completing our easy online application form, and we can have a decision for you in minutes. We will match you with the best available loan from our large panel of lenders. Once you have approved the loan offer, you should see the money in your account on the same day (dependent on cut off times etc)[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689229265{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How much can I borrow? [vc_column_text css=".vc_custom_1762426825437{margin-bottom: 0px !important;}"]You can borrow between $300 and $2 000 with a repayment term from 30 days to 365 days.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689245689{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Does it matter if I have bad credit? [vc_column_text css=".vc_custom_1762426841866{margin-bottom: 0px !important;}"]We believe everybody deserves a second chance. If you have bad credit, you can still apply. We will do our best to find lender that will approve your loan. Some of our lenders even specialise in bad credit loans.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689261624{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Who is eligible to apply? [vc_column_text css=".vc_custom_1762689298200{margin-bottom: 0px !important;}"]To be eligible for a personal loan you need to be: Either an Australian citizen or permanent resident. At least 18 years of age or over. Have a valid Australian telephone number and email address Be 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. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689306422{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Can I apply if I am on Centrelink? [vc_column_text css=".vc_custom_1762426907990{margin-bottom: 0px !important;}"]Yes you can apply if you are receiving Centrelink but you must meet our criteria: Only be receiving up to 50% of your income from Centrelink. Loan payments must not exceed 20% of your income (including any current loans). [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762689324856{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How much will a personal loan cost? [vc_column_text css=".vc_custom_1762689492279{margin-bottom: 0px !important;}"]Below is a sample estimate of the normal costs: Loan Amount: $2100 - $5,000 Establishment Fee: Maximum $400 APR: Maximum 65% or less (Depends on loan requirement) Please refer to your loan contract as this can vary between lenders. Different lenders may also charge additional fees.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762426689801{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Short Term Loans [vc_row css=".vc_custom_1762780540353{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Need a helping hand until your next payday? [vc_column_text css=".vc_custom_1762426587613{margin-bottom: 0px !important;}"]Sometimes unexpected expenses come up and you need a helping hand to get you through. Need to do some urgent home repairs, or looking for help with unexpected bills e.g. car registration loans? Whatever the reason, our instant loans are here for you to ease the financial stress and pressure. We understand that sometimes you need to get your funds as soon as possible. Our quick loans are normally in your account on the same day you apply (provided we have all the right information and your application is accepted before the lenders cut off times).[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762780560364{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How does the application process work? [vc_column_text css=".vc_custom_1762426640285{margin-bottom: 0px !important;}"]Everything is completely online with just three easy steps to apply for one of our quick cash loans: Fill in our simple, online application form and we will have an answer for you in minutes. Your lender will be in touch with the terms for you to review and esign. Once approved your instant loans money will be sent to your nominated bank account. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762780574517{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How much can I borrow? [vc_column_text css=".vc_custom_1762426656882{margin-bottom: 0px !important;}"]You can borrow from $2100 - $5,000.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762780588696{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] What are the repayment periods? [vc_column_text css=".vc_custom_1762426676870{margin-bottom: 0px !important;}"]If you opt for one of our payday loans your repayment period will be between 7 to 31 days. Our personal loans have a longer repayment period from 30 days to 365 days. Our website is open 24 hours, 7 days offering you the convenience of applying for weekend loans, or any other time that suits you. Before you apply, make sure you meet our eligibility requirements. You need to be: 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. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762426689801{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Equity Loan [vc_row css=".vc_custom_1761978793886{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Unlock the Value of Your Home with an Equity Loan [vc_column_text css=".vc_custom_1762339267973{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]Are you a homeowner looking for a smart and flexible way to finance your dreams? Whether you want to renovate your home, consolidate debts, invest in education, or pursue any other significant goals, a Loan Buddy Equity Loan could be the key to making them a reality.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1761978753568{padding-top: 40px !important;padding-bottom: 40px !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][vc_column width="1/2"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Introducing Equity Loan: What is it? [vc_column_text css=".vc_custom_1762339285131{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]An Equity Loan, also known as a home equity loan or a second mortgage, is a powerful financial tool that allows you to borrow against the equity you’ve built in your home. Unlike a traditional mortgage, an Equity Loan is a separate loan on to of your existing mortgage, giving you access to funds based on the difference between your home’s current market value and the outstanding balance of your mortgage.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1761978801940{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] The Power of Home Equity: Why it Matters [vc_column_text css=".vc_custom_1762339302945{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]Over the years, as you make mortgage payments and your home’s value appreciates, you accumulate equity. Equity is the portion of your home that you truly own, and it can be a valuable asset. By tapping into this equity, you can secure a loan at a favourable interest rate and use the funds for various purposes. It’s like turning your home into a financial resource without having to sell it.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1530678185533{padding-top: 20px !important;padding-bottom: 20px !important;}"][vc_column] The Benefits of an Equity Loan: What Sets it Apart? [vc_column_text css=".vc_custom_1762339328877{margin-bottom: 0px !important;}"] 1. Lower Interest Rates:: Equity Loans often come with lower interest rates compared to personal loans and credit card, making them a cost-effective borrowing option. 2. Tax Deductible: In many cases, the interest paid on an Equity Loan may be tax-deductible, leading to potential tax savings (consult with your tax advisor for more information). 3. Flexible Use of Funds: With an Equity Loan, you have the flexibility to use the funds for a wide range of purposes, from home improvements to debt consolidation or funding major life events. 4. Easy Approval Process: Since an Equity Loan is secured by your home’s equity, lenders are more likely to offer favourable terms and a straightforward approval process. 5. Longer Repayment Terms: Enjoy extended repayment periods, allowing you to manage your finances with lower monthly payments. 6. Quick Access to Funds:Once approved, you can access the funds quickly, enabling you to seize opportunities or tackle urgent financial needs. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979142599{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] When to Consider an Equity Loan: Common Scenarios [vc_column_text css=".vc_custom_1762339357864{margin-bottom: 0px !important;}"] 1. Home Improvements: Enhance the comfort and value of your home by using an Equity Loan to renovate, remodel, or add extra space. Whether you want to create a dream kitchen, update your bathrooms, or build that cozy home office you’ve always wanted, an Equity Loan can provide the funds you need to make your home truly your own. 2. Debt Consolidation: Simplify your finances by consolidating high-interest debts into a single, more manageable monthly payment. With an Equity Loan, you can take control of your outstanding debts, reduce your overall interest burden, and work towards becoming debt-free sooner. 3. Education: Invest in your future or your children’s education by using the funds to cover tuition fees and related expenses. Whether it’s pursuing a higher degree or supporting your child’s academic journey, an Equity Loan can open doors to a brighter future. 4. Emergency Expenses: Life can be unpredictable, and unexpected expenses can arise when you least expect them. An Equity Loan can serve as a safety net during challenging times, providing you with the financial cushion you need to handle medical bills, home repairs, or other unforeseen emergencies. 5. Investment Opportunities: Use your home equity as a steppingstone for investment ventures that have the potential for long-term returns. Whether you’re looking to start a new business, invest in the stock market, or venture into real estate, an Equity Loan can be a strategic financing solution to help you achieve your investment goals. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1530678185533{padding-top: 20px !important;padding-bottom: 20px !important;}"][vc_column] Why Choose Loan Buddy: The Equity Loan Experts? [vc_column_text css=".vc_custom_1762339384636{margin-bottom: 0px !important;}"]When it comes to leveraging your home’s equity, trust the Loan Buddy experts who have been assisting homeowners for finding best equity offers. We understand that your home is not just a place to live but also a valuable financial asset. Our team of dedicated professionals is here to guide you through every step of the Equity Loan process, ensuring you get the best terms that suit your needs. 1. Personalised Solutions: We recognise that each homeowner’s situation is unique. Our experts will work closely with you to understand your goals and tailor a loan solution that fits your specific needs. Whether you have excellent credit or have faced financial challenges in the past, we believe that everyone deserves a chance to unlock the potential of their home’s equity. 2. Transparent Process: We believe in transparency and keeping you informed throughout the loan application and approval process. No hidden fees or surprises. Loan Buddy will provide you with a clear breakdown of all associated costs, terms, and conditions so that you can make informed decisions. 3. Competitive Rates: Our extensive network of lending partners allows us to offer highly competitive interest rates and favourable terms. We understand that affordability is essential, and our team works diligently to find the most competitive rates available. 4. Customer Satisfaction: Our success lies in the satisfaction of our customers. We take pride in providing exceptional service and support to ensure a smooth and positive experience. Our customer-centric approach means that we prioritise your needs and work tirelessly to exceed your expectations. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761979152781{padding-top: 20px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Why Choose Loan Buddy: The Equity Loan Experts? [vc_column_text css=".vc_custom_1762339406172{margin-bottom: 0px !important;}"] Ready to unlock the value of your home and achieve your dreams? Loan Buddy’s team of Equity Loan experts is just a phone call away. Reach out to us today for a free consultation and let us help you take the step towards financial freedom and success. Don’t wait any longer; seize the opportunities that your home’s equity has to offer. Contact Loan Buddy now and let’s embark on this exciting journey together. Your dreams are within reach with a Loan Buddy Equity Loan! Let us be your trusted partner in turning your home ownership into a source of financial empowerment and fulfillment. Get started today! [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Property Loan [vc_row css=".vc_custom_1762778603431{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Unlock Your Dreams with Hassle-Free Property Loans [vc_column_text css=".vc_custom_1762338665460{margin-bottom: 0px !important;}"] Welcome to the world of endless possibilities! Are you looking to buy your dream home, invest in a lucrative property, or simply need some financial support for your real estate project? Look no further, as our Loan Buddy team Property Loan solutions are tailored to fit your unique needs and turn your dreams into reality. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761978793886{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] The Key to Your Property Dreams: Loan Buddy Property Loans [vc_column_text css=".vc_custom_1762338739489{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]Are you tired of renting and want to step into the realm of homeownership? Are you looking for an investment opportunity that promises lucrative returns? Or maybe you have a vision for your dream property, and all you need is a little financial support to make it a reality. Whatever your property aspirations may be, Loan Buddy Property Loans are here to unlock the doors to your dreams.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1762778621992{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][vc_column width="1/2"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] A Loan for Every Situation [vc_column_text css=".vc_custom_1762338756184{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]Loan Buddy believes that everyone should have a chance to own their dream property. Whether your financial situation is unique, or you have special requirements, we have the solution for you. Our personalised loan offerings are designed to cater to various financial scenarios, ensuring that we can support as many dreams as possible.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1761978801940{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Affordable and Transparent [vc_column_text css=".vc_custom_1762338775023{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]With Loan Buddy, you can rest assured that you’re getting the best value for your money. Our property loans come with competitive interest rates, ensuring that you won’t be burdened by exorbitant costs. We believe in transparency, so you’ll always know what you’re signing up for. No hidden fees or surprises, just a clear path towards property ownership.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1762778641389{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Why Choose Loan Buddy for your Property Loan? [vc_column_text css=".vc_custom_1762338800410{margin-bottom: 0px !important;}"] 1. Flexible Options for Everyone:We understand that every individual has different financial requirements. That’s why we offer a wide range of property loan options, from fixed-rate mortgages to adjustable-rate loans. Whether you’re a first-time homebuyer or an experienced real estate investor, we have the perfect loan solution for yp. 2. Competitive Interest Rates: Our property loans come with competitive interest rates that ensure you get the best value for your money. We believe in transparent pricing and strive to make our loans affordable and manageable for all our clients. 3. Quick and Efficient Processing: Time is precious, and we value yours. Our streamlined application and approval process make getting a property loan hassle-free and swift. We aim to get you the funds you need in the shortest possible time, so you can seize the best real estate opportunities. 4. Expert Guidance at Your Fingertips: Our team of experienced loan officers is always here to assist you throughout the loan process. From understanding the various loan options to gathering the required documents and completing the paperwork, we’ve got your back every step of the way. 5. Tailored Solutions for Unique Situations: We believe in empowering our clients to achieve their goals. If your financial situation is unique or you have special requirements, worry not! Our personalised loan solutions cater to various financial scenarios, ensuring that everyone has a chance to own their dream property. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762778648706{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Our Simple Loan Application Process: [vc_column_text css=".vc_custom_1762338864409{margin-bottom: 0px !important;}"] 1. Application Submission: Begin the journey towards your dream property by filling out our simple online application form. 2. Loan Assessment: Our team of experts will carefully assess your application and financial details to determine the best loan options for you. 3. Loan Approval: Once your loan is approved, we’ll guide you through the terms and conditions, ensuring that you are comfortable with the loan offer. 4. Funds Disbursement: After completing the necessary paperwork, your funds will be disbursed, and you can start realising your property dreams. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762778657928{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Why Choose Loan Buddy: The Equity Loan Experts? Time is of the Essence: [vc_column_text css=".vc_custom_1762338907560{margin-bottom: 0px !important;}"]In the fast-paced world we live in, time is one of our most valuable assets. We understand this, and that’s why we’ve optimised our loan application and approval process to be quick and efficient. We know you don’t want to miss out on the perfect real estate opportunity, so we strive to get you the funds you need in the shortest possible time.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762778664562{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Guidance Every Step of the Way: [vc_column_text css=".vc_custom_1762338938044{margin-bottom: 0px !important;}"]Navigating the world of property loans can be overwhelming, especially if you’re a first-time borrower. But fear not! Our team of experienced loan officers is here to guide you through every step of the process. From understanding the various loan options to gathering the necessary documents, we’ll be with you every step of the way to make the process smooth and stress-free.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762778677078{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Why Wait? Get Started with a Loan Buddy Property Loan Today! [vc_column_text css=".vc_custom_1762338978209{margin-bottom: 0px !important;}"] Don’t let financial constraints hold you back from achieving your dreams. Our property loans are designed to empower individuals and families to make their aspirations a reality. Take the first step towards your dream property by reaching out to our friendly loan officers today. Let Loan Buddy be your partner on this exciting journey of property ownership! Disclaimer: Terms and conditions apply. All loans are subject to credit approval. Interest rates may vary based on individual credit profiles. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Commercial Car Loan [vc_row css=".vc_custom_1762690108659{padding-top: 60px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Loans Buddy – Your Trusted Partner For Commercial Car Financing [vc_column_text css=".vc_custom_1762326430311{margin-bottom: 0px !important;}"]Welcome to Loan Buddy Commercial Cars, your go-to destination for hassle-free and affordable commercial vehicle financing solutions. We understand that owning a commercial vehicle is crucial for the success of your business, and our mission is to empower entrepreneurs like you to achieve your goals by providing flexible and tailored financial solutions.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762690120161{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Commercial Vehicle Loans [vc_column_text css=".vc_custom_1762326449520{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]We offer competitive loans for businesses looking to purchase new or used commercial vehicles. With flexible repayment terms, you can choose a plan that suits your cash flow and budget.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1762690128499{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][vc_column width="1/2"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Fleet Financing [vc_column_text css=".vc_custom_1762326465927{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]If you’re planning to expand your fleet of commercial vehicles, our fleet financing solutions provide the capital you need to grow your business efficiently.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1762690134919{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Leasing and Refinancing [vc_column_text css=".vc_custom_1762326486047{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]If owning vehicles is not a priority for your business, we offer attractive leasing options that allow you to use the vehicles while avoiding the responsibilities of ownership. If you’re burdened with high-interest loans from other lenders, our refinancing solutions can help you save money by securing a more favourable interest rate.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1762690143910{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Who we are? [vc_column_text css=".vc_custom_1762326507296{margin-bottom: 0px !important;}"] At Loan Buddy Commercial Cars, we take pride in being a leading financial partner for businesses of all sizes. With years of experience in the industry, we have gained expertise in commercial vehicle financing and have built a solid reputation for reliability and trustworthiness. Our team of experts is dedicated to understanding your unique business needs and helping you find the best financing options available. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762690155611{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Why Choose Us? [vc_column_text css=".vc_custom_1762326542741{margin-bottom: 0px !important;}"] Choosing the right financial partner for your commercial vehicle needs is crucial, and here are some compelling reasons why Loan Buddy Commercial Cars stands out from the rest: 1. Specialisation in Commercial Vehicles: Unlike traditional lenders, we focus solely on commercial vehicle financing. This specialisation allows us to understand the specific requirements of businesses that rely on these vehicles to thrive. 2. Tailored Solutions: We believe that every business is unique, and one-size-fits-all approach won’t cut it. Our team works closely with you to design personalised financing solutions that align perfectly with your business objectives and financial capabilities. 3. Fast and Efficient Process: We know that time is money, and delays can cost you valuable opportunities. Our streamlined application and approval process ensure that you get the financing you need quickly, so you can get back to growing your business. 4. Competitive Interest Rates: We understand the importance of keeping your operating costs low. That’s why we offer highly competitive interest rates that make financing affordable and sustainable for your business. 5. Transparency and Integrity: Loan Buddy Commercial Cars Finance operates on the principles of transparency and integrity. We provide clear and concise information about our financing terms and ensure that you understand all aspects of your loan agreement. 6. Excellent Customer Service : Our customers are at the heart of everything we do. Our dedicated support team is always available to assist you throughout the financing process, address any concerns, and answer your questions promptly. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762690171607{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] The Loan Buddy Advantage [vc_column_text css=".vc_custom_1762326570231{margin-bottom: 0px !important;}"] 1. Accessbility: Our online platform makes it easy to apply for financing from the comfort of your office or home. Simply fill out our user-friendly application form, and our team will take care of the rest. 2. Expert Guidance Not sure which financing option is right for your business? Our experienced financial advisors are here to guide you through the process and recommend the best solution tailored to your needs. 3. Quick Approvals We understand that time is of the essence. Our efficient approval process ensures that you get a response within a short period, allowing you to seize opportunities without delay. 4. Flexible Repayment Terms We offer flexible repayment options to accommodate your business’s cash flow. Our team will work with you to set up a repayment plant that aligns with your financial situation. 5. Building Relationships We don’t just see you as a client; we see you as a partner in your business’s success. We are committed to building long-term relationships and supporting you in achieving your goals. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762690180499{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How to Get Started [vc_column_text css=".vc_custom_1762326594631{margin-bottom: 0px !important;}"] 1. Complete the Application Start by filling out our simple and secure online application form. It only takes a few minutes, and you’ll receive a confirmation once your application is submitted. 2. Consultation Our financial experts will review your application and get in touch with you for a personalised consultation. During this step, we’ll discuss your business needs and explore the best financing options for you. 3. Approval and Funding Once your application is approved, we’ll finalise the details of your loan agreement. Upon agreement, the funds will be disbursed promptly, enabling you to make your commercial vehicle dreams a reality. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Start An Application Now! [vc_column_text css=".vc_custom_1762690222692{margin-bottom: 60px !important;}" el_class="text-center"][/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Car Loans [vc_row css=".vc_custom_1762685700328{padding-top: 60px !important;padding-bottom: 20px !important;background-color: #FFFFFF !important;}"][vc_column] Unlock Your Dream Car with a Car Loan: Your Key to Freedom on the Roads… [vc_column_text css=".vc_custom_1761978386230{margin-bottom: 0px !important;}"]In today’s fast-paced world, owning a car has become more than just a luxury; it has become a necessity for many. Whether you’re commuting to work, exploring new places, or simply enjoying a leisurely drive, a car can offer you the freedom and convenience that no other mode of transportation can match. However, the price tag attached to your dream car may seem daunting. Fortunately, Loans Buddy car loans are readily available, providing you with the means to unlock the door to your dream car and hit the open road.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761978793886{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] What is a Car Loan? [vc_column_text css=".vc_custom_1762003519929{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]A car loan, also known as a car financing or auto loan, is a financial product designed to help you purchase a vehicle without the need for immediate full payment. It enables you to spread the cost of your car over time, typically through monthly installments, making it a more manageable way to acquire your dream vehicle. Car loans are offered by various financial institutions, including banks, credit unions, and online lenders.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1762685716600{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][vc_column width="1/2"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Car Loans with Loans Buddy? [vc_column_text css=".vc_custom_1762003431909{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]A car loan from Loans Buddy can be your ticket to freedom on the roads, enabling you to drive away with your dream car without the burden of immediate full payment. As with any financial decision, it’s crucial to research and compare loan options to find the best fit for your needs. By unlocking a car loan from Loans Buddy, you open doors to endless possibilities, turning your dream car into a tangible reality and hitting the open road with confidence and excitement. Whether you’re embarking on a daily commute or planning thrilling road trips, a car loan from Loans Buddy can be your trusted companion on your journey to a life of convenience and adventure.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1762685729572{padding-top: 40px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column width="5/12" offset="vc_col-lg-offset-1 vc_col-md-offset-1"][vc_row_inner][vc_column_inner css=".vc_custom_1482374889063{margin-bottom: 60px !important;}"] Multiple Loan Offers [vc_column_text css=".vc_custom_1762003475575{margin-bottom: 0px !important;padding-bottom: 40px !important;}"]By unlocking a car loan from Loans Buddy, you open doors to endless possibilities, turning your dream car into a tangible reality and hitting the open road with confidence and excitement. Whether you’re embarking on a daily commute or planning thrilling road trips, a car loan from Loans Buddy can be your trusted companion on your journey to a life of convenience and adventure.[/vc_column_text] Apply Here [/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2"][vc_single_image image="692" img_size="full" css=".vc_custom_1761978585728{margin-bottom: 0px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1762685740018{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] How Does a Car Loan Work? [vc_column_text css=".vc_custom_1762685907704{margin-bottom: 0px !important;}"]Car loans function similarly to other types of loans, but with a specific focus on financing a personal vehicle purchase. Here’s how it typically works: 1. Application: To apply for a car loan, you will need to submit your personal information, employment details, credit history, and the vehicle details (such as make, model, and year). Lenders will evaluate your application and determine your eligibility based on your creditworthiness and ability to repay the loan. 2. Loan Approval: Once your application is approved, the lender will provide you with a loan offer outlining the loan amount, interest rate, loan term, and other essential details. It’s crucial to carefully review the terms and conditions before accepting the offer. 3. Down Payment: In many cases, you may be required to make a down payment, which is an upfront payment made towards the total cost of the car. The down payment reduces the loan amount, making it more affordable and reducing the lender’s risk. 4. Loan Disbursement: After accepting the loan offer and completing any necessary paperwork, the lender will disburse the loan amount directly to the car dealership or seller. 5. Repayment You will begin repaying the car loan through regular monthly installments. The repayment term typically ranges from 24 to 72 months, but this can vary based on the lender and your preferences.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762685948015{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Types of Car Loans [vc_column_text css=".vc_custom_1762686333814{margin-bottom: 0px !important;}"]Several types of car loans are available to cater to different financial situations and needs: New Car Loans: Designed specifically for purchasing brand new vehicles, these loans often come with competitive interest rates and flexible terms. Used Car Loans: If you prefer a pre-owned vehicle, a used car loan is the way to go. The interest rates for used car loans might be slightly higher than new car loans, but they remain a cost-effective option. Bad Credit Car Loans: Individuals with a less-than-perfect credit score can still qualify for a car loan through bad credit car loans. These loans generally have higher interest rates to offset the lender’s risk. Secured Car Loans: Secured car loans require collateral, such as the vehicle itself, to secure the loan. If you default on payments, the lender may repossess the car to recover costs. Unsecured Car Loans: Unlike secured car loans, unsecured car loans do not require collateral. However, they often come with higher interest rates due to the increased risk for the lender.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762686056041{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] The Benefits of Car Loans [vc_column_text css=".vc_custom_1762686146348{margin-bottom: 0px !important;}"]Car loans offer several benefits that make them an attractive option for individuals looking to purchase a vehicle: 1. Affordable Access to Your Dream Car Car loans allow you to own you dream car without having to pay the full amount upfront. By breaking the cost into manageable monthly payments, you can comfortably afford a higher-priced vehicle. 2. Build and Improve Credit Making timely payments on your car loan can positively impact your credit score. A strong credit score can open doors to other financial opportunities in the future, such as mortgages or personal loans, with better terms and lower interest rates. 3. Fixed Interest Rates: Many car loans come with fixed interest rates, which means your monthly payments remain stable throughout the loan term. This predictability helps with budgeting and financial planning. 4. Flexible Loan Terms: Car loans offer a range of repayment terms, allowing you to choose a duration that best suits your financial capabilities. Shorter loan terms may result in higher monthly payments but lead to overall interest savings. 5. Ownership form Day One: Unlike car leases, where you only have temporary possession of the vehicle, a car loan makes you the owner from day one. You can customise the car, drive it as much as you want, and sell it whenever you desire.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1762686156512{padding-top: 20px !important;padding-bottom: 40px !important;background-color: #FFFFFF !important;}"][vc_column] Choosing the Right Car Loan [vc_column_text css=".vc_custom_1762686304449{margin-bottom: 0px !important;}"]To make the most of your car loan, it’s essential to select the right one for your needs and financial circumstances. Here are some key factors to consider: 1. Interest Rates: Compare interest rates from different lenders to find the most competitive offer. A lower interest rate will save you money over the loan term. 2. Loan Term: Decide on a loan term that aligns with your budget and financial goals. A shorter loan term means higher monthly payments, but less overall interest paid. 3. Down Payment: If possible, make a significant down payment to reduce the loan amount and minimise interest costs. 4. Pre-Approval: Get pre-approved for a car loan before visiting dealerships. Pre-approval give you a clear budget and negotiating power during the car buying process. 5. Additional Fees: Be aware of any additional fees that might be attached to the loan, such as loan processing fees or early repayment penalties. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Apply in three easy steps [vc_column_text css=".vc_custom_1505900445246{margin-bottom: 60px !important;}" el_class="text-center"]You won’t be the only one lorem ipsu mauris diam mattises.[/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Privacy Policy [vc_row css=".vc_custom_1482486406591{margin-top: -40px !important;}"][vc_column bgcolor="#ffffff"][vc_row_inner css=".vc_custom_1482486413093{padding-top: 40px !important;padding-right: 40px !important;padding-bottom: 40px !important;padding-left: 40px !important;}"][vc_column_inner width="2/3" offset="vc_col-lg-offset-2 vc_col-md-offset-2 vc_col-sm-offset-2" css=".vc_custom_1482996417118{padding-top: 80px !important;padding-bottom: 80px !important;}"] Introduction [vc_column_text css=".vc_custom_1761838744822{margin-bottom: 0px !important;}"]Loansbuddy.com.au is owned by Breezy Loans Pty Ltd. and it offer a referral service to connect you with the most suitable Business Loan or personal loan tailored to suit your needs. We are a registered Australian online business and base our operations in Brisbane, Queensland. ABN: 29 627 702 943 and our Credit Representative Number is 514197. We understand your concerns about the privacy, security and confidentiality of the personal information that you provide to us. We place utmost importance on your privacy and our responsibility to protect it. Our Privacy Policy set out how we collect, hold, disclose and use information about our individual clients that interact with us. Installment Loans ("we"/"us"/"our") endeavour to comply with the Privacy Act 1988 and the Australian Privacy Principles which combined will be referred to as "Australian Privacy Law" in this policy. This General Privacy Policy is applicable to: All persons accessing our website. All persons dealing with us. All person from whom we collect personal information. We are committed to complying with Australian Privacy Law and the Credit Reporting Code in regards to the personal and credit information that is collected by us from persons applying for or receiving credit from us. Further protection of our Credit Information Privacy Policy applies to persons who: Apply for credit with us. Receive credit from us Agree to guarantee another person's credit from us. Our Hardship Privacy Policy offers additional protection to any person who receives credit from us and applies for a variation in the terms of the payments on the grounds of hardship.[/vc_column_text] Pseudonyms [vc_column_text css=".vc_custom_1761838767322{margin-bottom: 0px !important;}"]It is not a requirement for you to provide us with your name or any personal information if it is against your wishes. You are welcome to use any name allowed by law. However, if we cannot obtain your real name and verify other pieces of personal information we will not continue to deal with you. It is against the law to provide credit without obtaining proof of your identity which is covered in our Credit Information Policy.[/vc_column_text] What kind of personal information does loansbuddy.com.au collect? [vc_column_text css=".vc_custom_1761838807638{margin-bottom: 0px !important;}"]By visiting and accessing our website or dealing with us in any other way you agree to our General Privacy Policy which relates to the collection of personal information via our website. When you visit our website, we may store and collect the following information: The IP address and domain name of the computer that you used to access the internet. Time and date that you accessed our website. Internet address of the website link that you clicked on which directed you to our website. Pages accessed by you while you were visiting out website. Your email address may be collected through our use of websites, software and internet tracking devices such as cookies, session variables and anonymous identifiers. Your internet service provider (ISP) or the providers of your internet browser software may also collect similar information for their own purposes. We do not take any responsibility for these entities and their collection, storage and use of such information and advise you to refer to their respective privacy policies. We may collect and store personal information from you if you deal further with us as either: A prospective customer An actual customer Guarantor Prospective guarantor. Contractor Supplier Service provider Employee Personal information is defined as information or opinions of an individual whose identity can be reasonably ascertained or is apparent. loansbuddy.com.au usually collect personal information from the individual we are dealing with. The sources we use to collect personal information are: (a) Through this website www.installmentloans.com.au or any of our other affiliated websites. (b) From your other interactions with loansbuddy.com.au which could include telephone, email, posted mails or any other electronic communication method. (c) Through any of our other business activities or events. The personal information that we collect and store from you may include: Your name Date of birth. Current and previous addresses and the length of time you lived at those addresses. Employment history including your current and previous employers and the length of time you have been employed in your current and previous jobs. Email address Telephone number(s) Referee details including the name and addresses of the referees you provide to us. If you apply for credit, loansbuddy.com.au will collect and store credit information which is additional the the above information. This is governed by our Credit Information Privacy Policy. If you receive credit from us and apply to us for a variation in your payment arrangements set out in your credit contract because of financial hardship, you may be asked to supply us with additional sensitive information. This will be governed by our Hardship Privacy Policy.[/vc_column_text] Employees [vc_column_text css=".vc_custom_1761838841106{margin-bottom: 0px !important;}"]If you apply to work at loansbuddy.com.au, we may also store and collect personal information and additional sensitive information about you including you: Training, education and qualifications. Employment history. Trade and professional associations and union membership. Hobbies and interests Criminal history. [/vc_column_text] How do we collect your personal information? [vc_column_text css=".vc_custom_1761838890767{margin-bottom: 0px !important;}"]We may collect information about you from your visit to our website through our use of technologies such as: Anonymous identifiers Session variables Cookies. What happens if you block or limit cookies? You can set up your web browser to block or limit cookies. If you block or limit cookies some features of our website will decrease in efficiency or stop working completely. If you deal further with us we may collect personal information from you directly. This may be collected: In person. Over the phone. By mail Over the internet. Email or fax via the completion of an application or consent form either online or using a hardcopy. If you: Apply for credit through us. Agree to provide a guarantee of credit from us to another person. Receive credit from us. Apply to us for a variation in the terms of your payments under your (consumer) credit contract due to hardship; or Apply to be employed by us. When it is impractical or unreasonable to collect credit, personal and sensitive information from you directly, we may collect it from other sources which may include: Credit reporting bodies An agent, broker, accountant, solicitor, financial counsellor, referrers/introducers or guarantor who has been authorised by you. Referee Employer Government body. Other financial institutions Trade association, professional association or union. Our agents The methods we may use to collect this information from other sources may be: In person Via telephone In writing through the mail. Via the completion of a consent or application form which can be completed over the internet, email or fax. [/vc_column_text] How do we hold and secure your personal information? [vc_column_text css=".vc_custom_1761838912308{margin-bottom: 0px !important;}"]We take reasonable steps to keep your personal information safe and secure. These include: Maintaining a secure environment to store information both ih hardcopy and electronic format. Ensuring that only authorised personnel have access to such information. Using encryption technology and password protection to secure information which is stored electronically. We do not accept any responsibility for the security of any computer or electronic device used by you to access our website.[/vc_column_text] What is the purpose of us holding, collecting using and disclosing your personal information? [vc_column_text css=".vc_custom_1761838952510{margin-bottom: 0px !important;}"]The types of people that we collect, hold, use and disclose personal information include but are not limited to: Users of, or visitors to our website Prospective customers Existing customers Guarantors of a customer's credit. Contractors Suppliers of services and goods to us. Employment applicants We will only collect, hold, use and disclose your personal information for the following purposes which are: Permitted under Australian Privacy Law Necessary for: Administration of a contract of supply of goods/services to or by us. Providing our products to our customers. Considering, assessing and administering any proposed guarantee of credit. Assessing and processing employment applications. Any of administration or business management purposes. Improving our website Required under Australian Law. Required to investigate or assist with any investigation into complaints about our business conduct, particularly under Australian Privacy Law To improve our website To enforce contract terms or any other right which may arise out of our business dealings with you. Direct marketing communication with you regarding information about our services and products. Direct marketing communication from third parties regarding information about their products Customer service. If you do not wish for us to contact you via direct marketing you can opt out. To opt out please inform us in person, by telephone, fax, email, or in writing through the post. For searching and registration of any Personal Property Securities required as part of our prospective sale, restructure of transfer of our business. To communicate with you for any other important reason or the purposes outlined above. We will also collect, use, hold and disclose your personal information if you apply for credit from us or receive credit from us in order to: Assessment of your credit application, and assessment of any proposed guarantor; Management of your credit contract; Consideration of any applications to vary your payments either on the grounds of hardship or not. Debt collection and enforcement of any of our rights which may arise under your consumer credit contract. If you need more information regarding how we handle your sensitive information and credit information if you apply for or receive credit from us, please refer to our Credit Information Privacy Policy. Your personal information, which includes credit and sensitive information may be disclosed to other parties as part of the procedure involved in a merger, acquisition, business sale, or sale of other assets. Before we disclose any personal information, we will give you notice and the opportunity to opt out, in that instance, of the provision of such information. Your personal information will only be disclosed to a prospective purchaser or service supplier if it is essential for the reasons listed above. We will: Ensure everything is compliant with Australian Privacy Law Ensure that those suppliers provide us with assurances that they comply with Australian Privacy Law [/vc_column_text] Supply of personal information to overseas recipients [vc_column_text css=".vc_custom_1761839006080{margin-bottom: 0px !important;}"]As part of our information technology system we supply your personal information to overseas recipients who are likely to be in the United States and New Zealand[/vc_column_text] How to access the personal information we hold about you [vc_column_text css=".vc_custom_1761840761132{margin-bottom: 0px !important;}"]To request access to the personal, sensitive and credit information that we hold about you please contact us by phone, email or post. If you are contacting us in writing please ensure that you have the correct scanned attachments for verification purposes. Please use the contact details below to send your request for access. Privacy Officer Installment Loans 8 Budawang St Parkinson QLD 4115 Call us on - 0424 10 20 33 Email us - hello@loansbuddy.com.au If we cannot provide you with access to your personal, sensitive or credit information, we will explain our reasons in writing within a reasonable timeframe. Access will not be provided if the information we hold may: Expose personal information about another individual. Threaten the health and of another person Break the law Expose commercially sensitive internal information which is not required to be disclosed to you by Australian Privacy Law. [/vc_column_text] How to update and correct personal information we hold if its wrong. [vc_column_text css=".vc_custom_1761840816707{margin-bottom: 0px !important;}"]If any of the personal information we hold about you is incorrect please contact us by telephone, email or mail, identify yourself an explain what needs to be changed. If we are unable to make the required changes, we will advise you of the reasons in writing within 14 days[/vc_column_text] Complaints process regarding how we deal with your personal information [vc_column_text css=".vc_custom_1761840846261{margin-bottom: 0px !important;}"]If you are not satisfied with the reasons explained about or have any concerns or complaints about how your personal information is collected, held, used or disclosed by us, please contact our Privacy Officer. Our Privacy Officer will follow our Privacy Internal Dispute Resolution Process and provide a response to your complaint within 14 days. You can contact our Privacy Officer on: Privacy Officer Installment Loans 8 Budawang St Parkinson QLD 4115 Call us on - 0457 857 029 hello@loansbuddy.com.au If you are still not satisfied with our Privacy Internal Dispute Resolution process the next step is to refer you complaint to our External Dispute Resolution Scheme. Our external body responsible for resolving disputes is: Australian Financial Complaints Authority Limited. GPO Box 3 Melbourne VIC 3001 Ph: 1800 931 678 9am - 5pm AEST, Monday to Friday. Email: info@afca.org.au Web www.afca.org.au You can refer any privacy complaints or concerns about the privacy of your personal information to: The Office of the Australian Information Commissioner GPO Box 2999 CANBERRA ACT Tel: 1300 363 992 Fax: 02 9284 9666 Web: www.oaic.gov.au[/vc_column_text] Changes to our General Privacy Policy. [vc_column_text css=".vc_custom_1761840867190{margin-bottom: 0px !important;}"]At times, we may make changes to our General Privacy Policy due to: Legislation changes Technology changes Internal systems changes. You will be notified of any changes on our website. If the changes affect you and you have a (consumer) credit contract with us, you will be notified if it is a requirement of Australian Privacy Law and our Credit Information Privacy Policy.[/vc_column_text] CREDIT INFORMATION PRIVACY POLICY Introduction [vc_column_text css=".vc_custom_1761840913436{margin-bottom: 0px !important;}"]Loansbuddy.com.au are committed to complying with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Code. These are referred to as "Australian Privacy Law" in this policy. This Credit Information Privacy Policy is subject and in addition to our General Privacy Policy. Credit Information Privacy Policy applies to you if: You apply for loansbuddy.com.au credit products; you receive credit from loansbuddy.com.au; or we hold your credit information We hold information about your creditworthiness/eligibility for credit. [/vc_column_text] Types of credit information collected, held, used and disclosed. [vc_column_text css=".vc_custom_1761840936282{margin-bottom: 0px !important;}"]In addition to the information that we collect under our General Privacy Policy, if you apply for credit with us we may collect: Identification information; Financial Information including: Income (from all sources including government benefits) Current employment status, situation and recent employment history. Assets Expenses Debts Bank Statements (Statement of Deposit Accounts) from banks/ financial institutions for a minimum of 90 days prior to you applying to us for consumer credit and for later periods if you receive consumer credit from us. Consumer credit liability information about the consumer credit accounts you hold whether with us or some other credit provider including: Account type and description Date the account was opened. Date the account was closed (if applicable). Maximum amount of credit approved (if applicable). Any specific terms and conditions unique to this account. Your credit application information including: Credit type (consumer or commercial) Amount of credit applied for. If we made information requests about you to any Credit Reporting bodies. Your Default information Default information would be recorded if did not make a payment to a credit provider and it remains overdue for longer than 60 days. After you have been given notice (as required by the Australian Privacy Laws), your default will be recorded with a credit reporting body. Payment information This discloses if you have made an overdue payment (either to us or any other credit providers). Your new payment information as to the terms and conditions of any variations in payments required under credit contracts with us or another credit provider. Court proceedings information regarding any judgements made in Australian courts against you relating to credit that was provided to or applied for by you. Personal insolvency information from the National Personal Insolvency Index. This is maintained by the AFSA and relates to any: Bankruptcy debt agreement debt agreement proposal personal insolvency agreement executed by you any direction or order made under the Bankruptcy that relates to your property Publicly available information about you relevant to your credit worthiness. Serious credit infringement information relating to credit which we or another credit provider has provided to you to the effect that you: Obtained credit fraudulently Evaded payments under a credit contract fraudulently Are unable to be contacted at the last known address supplied by you to us, or have not been in contact with us for 6 months; or are in any other way not intending to comply with your credit obligation [/vc_column_text] How is your credit information collected? [vc_column_text css=".vc_custom_1761840957450{margin-bottom: 0px !important;}"]Credit information is collected in the same way as personal information (as per our General Privacy Policy and also: From you directly e.g. an application form. About you from credit reporting bodies. [/vc_column_text] How do you hold and secure your credit information? [vc_column_text css=".vc_custom_1761840979757{margin-bottom: 0px !important;}"]Your credit information is help and secured in the same manner as your personal information (detailed in our General Privacy Policy).[/vc_column_text] How is your credit information disclosed? [vc_column_text css=".vc_custom_1761841000316{margin-bottom: 0px !important;}"]To obtain your credit information from credit reporting bodies there we may need to disclose the credit information we hold about you to them. Credit reporting bodies may include the credit information that we have disclosed about you in reports to other credit providers. The information includes all the credit information listed above except for your Financial Information. In particular: Information pertaining to your credit application; Default information Serious Credit Infringement information. Credit reporting bodies that we may disclose your credit information to are: Illion (Australia) Pty Ltd PO Box 7405, St Kilda Road, MELBOURNE Vic 3004 Email: chc-au@illion.com.au, www.illion.com.au or Equifax PO Box 964, North Sydney, NSW 2059 Tel 138 332 www.mycreditfile.com.au We refer you to the relevant Privacy Policy of these credit reporting bodies.[/vc_column_text] Why do you collect, hold, use and disclose your credit information? [vc_column_text css=".vc_custom_1761841026867{margin-bottom: 0px !important;}"]In addition to the reasons mentioned in our General Privacy Policy, we collect, hold, use and disclose your credit information for: Credit application assessment Assessment of any proposed assess guarantors of your credit Credit contract management Consideration of applications for varying your payments whether or not on the grounds of hardship Debt collection or enforcing our rights under court proceedings or any other rights arising under your (consumer) credit contract. Assistance if it is considered that you may be at risk of default. Participation in credit reporting systems and provision of information to credit reporting bodies as described above; Securitisation activities or assignment of debt; Complaint resolution (for any complaints that you make via our Internal Dispute Resolution process or through the External Dispute Resolution scheme detailed in our General Privacy Policy) Identification as required to comply with the Anti-Money Laundering/Counter-Terrorism Financing Act Compliance with legislation including providing your credit information to relevant authorities; Assistance for other credit providers with the same purposes as permitted by Australian Privacy Law. This involves credit information disclosure to them with your consent, or where you have committed a serious credit infringement. Your credit information will not be disclosed to any other third parties for direct marketing purposes. We may disclose other information to third parties for direct marketing as detailed in our General Privacy Policy.[/vc_column_text] Is my credit information supplied to overseas recipients? [vc_column_text css=".vc_custom_1761841045857{margin-bottom: 0px !important;}"]Your credit information may be supplied to overseas recipients as described in our General Privacy Policy. This is part of our information technology system for the reasons described above. Recipients are likely to be in the United States of America. We will not provide overseas entities with your credit information, credit eligibility, or credit worthiness except as permitted under Australian Privacy Law.[/vc_column_text] How do I access the credit information that you hold about me? [vc_column_text css=".vc_custom_1761841081770{margin-bottom: 0px !important;}"]The credit information that we hold about you can be accessed in the same way as your personal information and has the same restrictions. (refer to our General Privacy Policy). There is not charge to request access to your credit information. You may incur an administration fee for providing access to your credit information. We are not permitted to provide access to credit information we hold about you which has come from another credit reporting body, even if they obtained the information from us. For clarification, refer to the credit reporting bodies own Privacy Policy.[/vc_column_text] How do I correct the credit information held about me? [vc_column_text css=".vc_custom_1761841100811{margin-bottom: 0px !important;}"]Correcting credit information held about you can be done in the same way, with the same restrictions as correcting your personal information held by us. This is described in our General Privacy Policy. Your request will be dealt with in compliance with Australian Privacy Law, and you will receive a response and/or reasons from us within 7 business days. We will make a decision no later than 30 days after we received your request. If we agree to correct credit information that has been supplied incorrectly to a credit reporting body, we will notify the appropriate body within 7 business days of our decision.[/vc_column_text] How do I make a complaint about the way my credit information is dealt with? [vc_column_text css=".vc_custom_1761841123787{margin-bottom: 0px !important;}"] If you are not satisfied with how we have dealt your credit information please refer to the General Privacy Policy and contact our Privacy Officer in the same way.If you are unhappy with our Internal Dispute Resolution Process and how it relates to credit information, please refer your complaint to our External Dispute Resolution scheme as described in our General Privacy Policy. You can also contact the Office of the Australian Information Commissioner. [/vc_column_text] Policy Changes [vc_column_text css=".vc_custom_1761841143223{margin-bottom: 0px !important;}"]This policy may change for the same reasons, in the same way and with the same notice as it described in our General Privacy Policy.[/vc_column_text] HARDSHIP PRIVACY POLICY Introduction [vc_column_text css=".vc_custom_1761841175389{margin-bottom: 0px !important;}"]Installment Loans ("we"/"us"/"our") are committed to complying with the Privacy Act 1988, Australian Privacy Principles and the Credit Reporting Code at all times. Together these will be referred to as "Australian Privacy Law." in this policy. This Hardship Privacy Policy is applicable to persons who: Received credit from us; Are finding it difficult to meet your repayment obligations set out in your (consumer) credit contract with us; and Have approached us or submitted an application to vary your obligations on the grounds of hardship. This may be a result of receiving a Notice of Default or other notice from us or not. The Hardship Privacy Policy is subject to and in addition to our General Privacy Policy and our Credit Information Privacy Policy[/vc_column_text] Hardship [vc_column_text css=".vc_custom_1761841197309{margin-bottom: 0px !important;}"]Under the National Consumer Credit Protection Act 2009, "Hardship" is defined as including "illness, unemployment or other reasonable cause." When you complete the application process for a variation in repayment terms on the grounds of hardship, we may collect information from you about illness, unemployment or other reasonable causes of hardship. This type of information is likely to be classified as "sensitive information" under Australian Privacy Law.[/vc_column_text] Sensitive Information [vc_column_text css=".vc_custom_1761841885023{margin-bottom: 0px !important;}"] When you are applying for a variation in repayment terms on the grounds of hardship, we will only collect sensitive information when it is relevant to your application. The types of information we may collect from you may include: Information about your health (or a family member's health). Your current employment situation. Your education, training and other qualifications. Details of any professional, trade association or trade union memberships. Your marital status (and if there have been any changes) Other matters relevant to your application which are not usually collected by us as credit or personal information in the ways or for the purposes described in our General Privacy Policy and our Credit Information Privacy Policies. [/vc_column_text] What are the reasons for collecting and using your sensitive information? [vc_column_text css=".vc_custom_1761841953998{margin-bottom: 0px !important;}"] oansbuddy.com.au collect, use, hold and disclose your sensitive information for the the purpose of: Assessing your application to vary the repayment terms under your (consumer) credit contract on the grounds of hardship (hardship variation) Providing an explanation why we have agreed or disagreed to grant a hardship variation. Administration, monitoring and recording agreed hardship variations. Consideration of any complaints regarding our decision to refuse hardship variations within our Internal Disputes Resolution process. To provide a considered response to any complaints made to our External Dispute Resolution Team regarding our decision to refuse to vary repayments on the grounds of hardship Business management including: Upholding our obligations as a responsible lender Maintaining systems for considering 'hardship variation' applications which comply with NCCP and legislative requirements. Providing accountability to the relevant authorities and complying with the NCCP and Australian Privacy Law. [/vc_column_text] How is my sensitive information disclosed? [vc_column_text css=".vc_custom_1761841974206{margin-bottom: 0px !important;}"] Your sensitive information will only be disclosed for the purposes described above and as permitted under Australian Privacy Law.loansbuddy.com.au will not disclose your sensitive information to any credit reporting bodies or any other credit provider.We may disclose to such parties that you have entered into a hardship variation. [/vc_column_text] Will sensitive information be disclosed to overseas recipients. [vc_column_text css=".vc_custom_1761842002365{margin-bottom: 0px !important;}"] Your credit information may be supplied by us to overseas recipients as part of our information technology systems for the purposes outlined above (and those mentioned in our General Privacy Policy).Credit information, credit eligibility and creditworthiness will not be provided to overseas entities except when it is permitted by Australian Privacy Law. [/vc_column_text] How can you access your sensitive information that is held by us. [vc_column_text css=".vc_custom_1761842026722{margin-bottom: 0px !important;}"] Your sensitive information that we are currently holding can be accessed in the same way and has the same restrictions as when you access your personal information held by us as detailed in our General Privacy Policy.Making a request to access your own sensitive information is free, but you may be charged an administration fee for the provision of access. [/vc_column_text] How do you make corrections to the sensitive information held by loansbuddy.com.au? [vc_column_text css=".vc_custom_1761842050567{margin-bottom: 0px !important;}"] Applying to make corrections to sensitive information held about you follows the same process and has the same restrictions as correcting your personal information held by us and detailed in our General Privacy Policy. [/vc_column_text] How can I make a complaint if I am not happy about the way my sensitive information was dealt with? [vc_column_text css=".vc_custom_1761842076925{margin-bottom: 0px !important;}"] If you would like to complain about how we have dealt with your sensitive information, you need to contact our Privacy Officer in the same manner as what is described in our General Privacy Policy.If you are not satisfied with the outcome of our Internal Dispute Resolution Process relating to your sensitive information, you can refer your complaint to: Our External Dispute Resolution scheme (detailed in our General Privacy Policy); or The Office of the Australian Information Commissioner. [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] ### Terms of Use [vc_row css=".vc_custom_1482486406591{margin-top: -40px !important;}"][vc_column bgcolor="#ffffff"][vc_row_inner css=".vc_custom_1482486413093{padding-top: 40px !important;padding-right: 40px !important;padding-bottom: 40px !important;padding-left: 40px !important;}"][vc_column_inner width="2/3" offset="vc_col-lg-offset-2 vc_col-md-offset-2 vc_col-sm-offset-2" css=".vc_custom_1482996417118{padding-top: 80px !important;padding-bottom: 80px !important;}"] Loansbuddy.com.au is owned by Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 is licensed and provide credit services under Australian Credit License 389610. [vc_column_text css=".vc_custom_1761827225409{margin-bottom: 0px !important;}"]Our registered address is 8 Budawang Street, Parkinson, QLD 4115 (We do not accept physical applications at this address. Please apply online) We comply with the National Credit Act and are a licensed credit provider. Protecting the privacy of visitors to our website is one of our top priorities. By visiting our website, you are agreeing to our terms of use and privacy policy.[/vc_column_text] Collection of Information [vc_column_text css=".vc_custom_1761827290879{margin-bottom: 0px !important;}"]We collect your personal information and other data for the purpose of providing credit broking services. This information will help us to find you one of the most suitable unsecured loans online from our panel of lenders. It is your crucial that you provide us with complete, accurate and correct information. If you omit information or provide us with information that is incorrect or inaccurate, Installment Loans may not able to provide credit broking services to you or refer you to a credit provider.[/vc_column_text] Changes to your personal information [vc_column_text css=".vc_custom_1761827328501{margin-bottom: 0px !important;}"]It is your responsibility to ensure that the details provided to you in your application when you apply for a loan are correct and complete. You must inform us immediately if any of your personal information changes. Types of personal information collected and tracked by Installment Loans[/vc_column_text] Personal information provided by you [vc_column_text css=".vc_custom_1761827450294{margin-bottom: 0px !important;}"]We store the information entered by you into our online forms and surveys when you visit our website. This includes your name, address, occupation, gender, age, email address, income details, bank account details and other financial information.[/vc_column_text] Information provided by third parties. [vc_column_text css=".vc_custom_1761827487063{margin-bottom: 0px !important;}"]We receive information about your credit history and credit worthiness from third party credit bureaus, credit reporting agencies, and other lenders. [/vc_column_text] Website related information [vc_column_text css=".vc_custom_1761827882055{margin-bottom: 0px !important;}"]We may collect digital information on relating to: Your webpage http headers, domain names on your home server, IP addresses, and the types of computers and web browsers you are using. Specific and aggregated information on which pages visitors' access on our website Interaction with our website. Cookies are used to store and receive information about how you interact with our website. This information is used to customise our online information. Cookies are also used to find out which of the pages are most popular and inform us who (which members and subscribers) are using our site. This helps us to customise our on-line information more effectively. Email addresses from email communications received from visitors to our website. Email interactions are monitored including whether recipients have opened an email, and which links/images in the email have been clicked on. We do this to ensure that we are providing materials of interest to you. Telephone calls made to the specified telephone numbers on our website, advertising/correspondence/marketing material may be recorded for regulatory, training and quality purposes.[/vc_column_text] Disclosure and Use of Information [vc_column_text css=".vc_custom_1761827966658{margin-bottom: 0px !important;}"]Your personal information and other relevant data are used by us to: Assessing your application and eligibility for short term loans. Find the best personal loans to suit your current situation from our panel of credit providers. We provide your information to our credit providers, so they can confirm your eligibility and acceptance of a fast cash loan online. Enhance your user experience on our website Transmit marketing communications Make improvements to our website Statistical analysis Editorial or feedback purposes. [/vc_column_text] By providing us with your personal information you consent to us sharing it with third parties to: Conduct certain functions of our business on our behalf. [vc_column_text css=".vc_custom_1761828032194{margin-bottom: 0px !important;}"]For example: Database providers assist in identity verification, credit scoring, credit reporting, debt collection, lead generation and provision. These third parties have limited access to your data. We only provide them with the data they need to perform their function.[/vc_column_text] Prevent Fraud. [vc_column_text css=".vc_custom_1761828068995{margin-bottom: 0px !important;}"]If fraud is identified by Installment Loans because you provided us with false or inaccurate information, including false and inaccurate information about your identity, we will pass on your personal information and relevant data to fraud prevention and law enforcement agencies. Law enforcement and fraud prevention agencies may use and access this information.[/vc_column_text] Information about our product and services [vc_column_text css=".vc_custom_1761828094169{margin-bottom: 0px !important;}"]We may contact you via telephone, fax, email, SMS or automated messages to inform you about products and services we offer that may be of interest to you.[/vc_column_text] Direct marketing from third parties [vc_column_text css=".vc_custom_1761828123754{margin-bottom: 0px !important;}"]The contents of our customer database are shared with selected 3rd parties. By providing us with your mobile number and email address you consent to your information being passed on to third parties who may contact you via phone, email or SMS with offers that may be suitable for you. To opt out of receiving information from third parties you can use the "unsubscribe" function in the marketing email or SMS sent to you. You can request to opt-out of the use of your personal information for marketing purposes, and we will honour this once we have had a reasonable opportunity to process your request.[/vc_column_text] To third parties who may be able to provide you with payday loans or personal loans if we decline your application. [vc_column_text css=".vc_custom_1761828158342{margin-bottom: 0px !important;}"]If we are unable to accept your instant cash loans application there may be third parties who may be able to offer you a product or service that meets your needs. In this case, third parties may pass your personal information onto a lender who may carry out further credit checks, if required. This lender or third party will contact you to confirm if they accept or decline your application. This lender will have their own privacy policy and they will request for you to agree to their privacy policy with respect to how they will use your information.[/vc_column_text] Use and Disclosure of Email Communications [vc_column_text css=".vc_custom_1761828363083{margin-bottom: 0px !important;}"]If legally required, we will retain the content of emails sent to us. If appropriate, your email address will be recorded against the relevant company name in our confidential customer database.[/vc_column_text] Security Information [vc_column_text css=".vc_custom_1761828387438{margin-bottom: 0px !important;}"]Installment Loans takes reasonable care to ensure personal information submitted via our website is secure. We regularly review new developments in security and encryption technology. We cannot guarantee complete security of data transmission over the internet. The information you transmit to us from our online products and services and is done so at our own risk. Once we have received your transmission, we will take the necessary steps to preserve the security of your information.[/vc_column_text] Access to your personal information [vc_column_text css=".vc_custom_1761828410035{margin-bottom: 0px !important;}"]By law, you have the right to request access to the information we hold about you. To request access to your information and for privacy related queries, you can email us at info@installmentloans.com.au There are limited circumstances where we are legally prohibited to give you access to the information held by Installment Loans about you. We may charge a fee for access requests and they must be received in writing. Information requests from separate affiliates within our group require separate requests in writing and may require separate fees to be paid for each request.[/vc_column_text] Links to Third Party Websites [vc_column_text css=".vc_custom_1761828433797{margin-bottom: 0px !important;}"]Installment Loans has links to third party websites on our website. Third party websites are not operated by us and outside of our control. Installment Loans does not accept liability for the content or availability of any third-party site. We provide third party links on our website for your convenience, but we do not endorse any third-party webpages that we link you to. We recommend you read the terms and conditions of these websites before you use them and direct any questions about their contents to the relevant website provider.[/vc_column_text] Copyright and Trademarks [vc_column_text css=".vc_custom_1761828529949{margin-bottom: 0px !important;}"]Installment Loans and its related companies own all trademarks, copyright and all other intellectual property on our website and its content (including without limitation the information, material, pages and screens) included in the website and all the source codes and software connected with our website ("Intellectual Property"). Installment Loans prohibits the use of our "Intellectual Property" without our express permission. Installment Loans' ABN is 13 690 290 821. Installment Loans' credit license number is 389610 Loans are available to persons aged over 18 only and are subject to status. Installment Loans does not lend or make credit decisions. Installment Loans is not a lender and does not make credit decisions about quick cash loans. Installment Loans match customers' loan applications with lenders on our panel who offer SACC loans depending on the information provided. We do not guarantee approval of any small cash loans and the amount approved is at the discretion of the lender. We do not guarantee the timeframe to process same day loans. Installment Loans' website does not directly endorse any specific products or services. The information we provide on our website is an opinion only.[/vc_column_text] Usage of our website [vc_column_text css=".vc_custom_1761828560855{margin-bottom: 0px !important;}"]Users take full responsibility for their use of our Installment Loans' website. By using our website, you agree to abide by our terms. You must ensure that any person who uses your computer also complies with these terms. You are not permitted to: Knowingly transmit any virus or other harmful matter to our website. Attempt to interfere with the proper working of our website with any devices, software or routine. Attempt to reverse engineer, disassemble, decipher or de-compile any part of our website or the software it is comprised of. [/vc_column_text] Limitation of Liability and Disclaimers [vc_column_text css=".vc_custom_1761828595765{margin-bottom: 0px !important;}"]We take reasonable steps to ensure the information on our website is accurate, current, complete, correct and available but we do not give any guarantee this information. We do not offer any express or implied guarantees. Use of our website and the materials it contains is at your own risk. Installment Loans is not liable for any damages or losses, direct or indirect, that you may suffer as a result of using our website including but not limited to: System or computer failure Delays and interruptions of website access Non-delivery or mis delivery of data Computer viruses or other harmful components Security breaches Unauthorised use of the system from hacking You are solely responsible for adequately protecting your computer system, backing up data and undertaking reasonable and appropriate precautions to scan your hardware and software for computer viruses and other destructive properties. Information provided on our website may be changed at any time without notice. Changes may be made to the terms at any time. Any revised term takes effect from the date the change is made on our website. You agree to regularly review our terms and your continued use of our website means that you agree to any changes. You are not permitted to set up backlinks from your own websites to Installment Loans' website without prior written consent from us which we can grant and withhold at our discretion.[/vc_column_text] Email security [vc_column_text css=".vc_custom_1761828625170{margin-bottom: 0px !important;}"]Security of emails sent cannot be completely guaranteed. Emails have the potential to be intercepted, lost or altered. We are not responsible for the lost or intercepted emails that may be altered during transmission. We will not be liable for any damages to yourself or any associated parties connected to messages between you and Installment Loans over the internet.[/vc_column_text] Credit checking [vc_column_text css=".vc_custom_1761828648842{margin-bottom: 0px !important;}"]Credit checks with credit reference agencies may be conducted as a condition of your credit agreement.[/vc_column_text] Loan Agreements [vc_column_text css=".vc_custom_1761828673537{margin-bottom: 0px !important;}"]Your agreement with us is based on: The information provided to us by you. Your contract is formed by you making an offer to us. Once our own enquiries and assessments are completed, and you have signed the required documentation we will accept your offer. Until we accept your offer, there is no agreement. .[/vc_column_text] You acknowledge that before we advance your funds to you: [vc_column_text css=".vc_custom_1761828712127{margin-bottom: 0px !important;}"] If Installment Loans is satisfied that your identification verifies your identity according to our internal policy and any relevant legislation. If Installment Loans has sufficient evidence to verify your income and expenses. If Installment Loans has adequate information about the requirements and objectives to be met applying for and obtaining the loan. If Installment Loans is able to make an assessment that the loan contract is suitable for you, and you can meet your obligations of the contract without undergoing financial hardship and the loan meets your requirements. If Installment Loans has completed a credit check, that a satisfactory report has been received from a credit reporting body. If Installment Loans has received all the necessary information and documents requested to process your application. If Installment Loans has advised, you that your loan application has been approved in writing or electronically. [/vc_column_text] Cancellation policy [vc_column_text css=".vc_custom_1761829046683{margin-bottom: 0px !important;}"] Installment Loans can cancel your loan agreement at any time if: the information you have provided is not true, incorrect or incomplete. Your circumstances change between receiving your application and advancing the loan. Installment Loans is not liable for any costs, damages or expenses incorrect as a result of your loan being cancelled. You acknowledge that we have advised you: You should obtain independent financial and legal advice relation to the agreement from Installment Loans. If you default on a payment, we may report the matter to a credit reporting agency and it may have an adverse effect on you chances of obtaining successful financial applications in the future. [/vc_column_text] Establishment Fees [vc_column_text css=".vc_custom_1761829298682{margin-bottom: 0px !important;}"]You agree to pay the established fee set out in your loan contract and the establishment fee forms part of your credit. Payment to You The total amount of your payday or personal loan will be paid to you on the intended settlement date as disclosed in the offer you receive from Installment Loans.The amount paid to you will be debited to your nominated account provided to and held by us upon which fees may accrue.[/vc_column_text] Repayments, Fees and Charges [vc_column_text css=".vc_custom_1761829175101{margin-bottom: 0px !important;}"]You permit to be charged fees in accordance with your loan agreement. These fees will be debited from your nominated bank account on their due date(s) and will be paid to us on demand. Under your obligations to Installment Loans, you agree to: Pay Installment Loans your repayments, fees and charges as specified on your loan contract via direct debit, from your nominated bank account on the agreed dates.Pay Installment Loans on demand for any enforcement expenses incurred by enforcing our rights if you breach the terms of our agreement with you.Ensure Installment Loans are aware of your correct and current address, e-mail and telephone numbers and to notify us within 7 days of any changes to your details. [/vc_column_text] Default [vc_column_text css=".vc_custom_1761829240121{margin-bottom: 0px !important;}"]Our agreement is in default if you do not comply with all the terms of your agreement.If you default on your obligations, Installment Loans will send you a default notice explaining what the default is and how to remedy it.If you do not remedy the default according to the notice, the total outstanding amount of your loan, plus all fees and charges may become due immediately and is payable to Installment Loans.If you are in default, subject the relevant laws and codes, Installment Loans may report this default to a credit reporting body. You will be considered to be in default of your agreement with Installment Loans if: Amounts due are not paid in full on or before the due date on your agreement. You fail to comply with any condition on your agreement. Installment Loans. You commit an act of bankruptcy including entering in a Part IX agreement pursuant to the provisions of the Bankruptcy Act. You fail to advise us within 7 days of any changes to your address, phone number and email. discovers that the information on your application is incomplete, false or incorrect.Installment Loans believes we were induced to fraudulently enter into the agreement. After defaulting, enforcement expenses are payable by you. [/vc_column_text] Statements [vc_column_text css=".vc_custom_1761828861239{margin-bottom: 0px !important;}"] Installment Loans will provide you with statements of your account when required as dictated by law.You may ask for a statement any time. Installment Loans may charge a fee. [/vc_column_text] Payments [vc_column_text css=".vc_custom_1761828886816{margin-bottom: 0px !important;}"] Installment Loans will credit you for your payment on the day it is received. If your payment takes a few days to land with us, it will not be considered "made" until the day Installment Loans receives it.You are not entitled to change the amounts of payment due. You cannot deduct anything from payments that you claim to be owed by us or that we may owe you in the future. [/vc_column_text] Early Repayment [vc_column_text css=".vc_custom_1761828909181{margin-bottom: 0px !important;}"] You can repay your loan amount or any payments due on your agreement any time before the due date.You will not be penalised for making a payment before the agreed due date.Unless agreed upon, no deductions will be made to your fees or charges on your agreement if you pay early and no refunds will be made. [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] ### Home [vc_row css=".vc_custom_1589875864899{padding-top: 100px !important;padding-bottom: 100px !important;background-color: #15549a !important;}" el_class="bg-shape"][vc_column css=".vc_custom_1589875649931{margin-bottom: 80px !important;}"] Quick Online Loans From Small Loans to $5OK For Any Purpose [vc_column_text css=".vc_custom_1590745332125{margin-bottom: 0px !important;}"] Easily compare tons of options to find your best [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1589882525239{background-color: #ffffff !important;}"][vc_column][vc_row_inner css=".vc_custom_1589879707818{margin-top: -120px !important;}"][vc_column_inner width="1/6"] Business Loans [/vc_column_inner][vc_column_inner width="1/6"] Personal Loans [/vc_column_inner][vc_column_inner width="1/6"] Equity Loans [/vc_column_inner][vc_column_inner width="1/6"] Car Loans [/vc_column_inner][vc_column_inner width="1/6"] Vehicle Loans [/vc_column_inner][vc_column_inner width="1/6"] Cash Loans [/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner el_class="text-center" css=".vc_custom_1589876187782{margin-top: 48px !important;}"] More Loan Options [/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1589966739977{padding-top: 100px !important;padding-bottom: 100px !important;background-color: #ffffff !important;}"][vc_column][vc_row_inner el_class="align-items-center"][vc_column_inner width="5/12" offset="vc_col-md-5"] Eligibility Criteria for Quick Personal Loans Employed and have a stable regular income Not have more than one active personal loans Not in financial hardship or bankruptcy Not on Job Seeker/Youth Allowance Permanent resident or citizen Proof of regular income No more than one active loan Ready to Get Started [/vc_column_inner][vc_column_inner width="1/2" offset="vc_col-lg-offset-1 vc_col-md-offset-1 vc_col-md-6 vc_col-sm-offset-1"][vc_single_image image="2317" img_size="full" alignment="center" css=".vc_custom_1763292292083{margin-bottom: 0px !important;}" el_class="w-100"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height="yes" css_animation="none" css=".vc_custom_1762671184638{padding-top: 60px !important;padding-bottom: 100px !important;background-image: url(https://www.loansbuddy.com.au/wp-content/uploads/2016/12/home-loan-lp-1.jpg?id=773) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}"][vc_column width="1/2" bgcolor="#00000000"] Personal Loans Upto $4800 Term: 12 Months - 24 Months. Rates: Maximum Interest rate: 45.99% p.a. Comparison Rate:37.10% p.a. to 65.70% p.a. Establishment Fee: $400 Example: This comparison rate is based on $3600 over 12 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 24 months or more. [/vc_column][vc_column width="1/2"] Personal Loans $5K - $50K Term: 12 Months - 5 Years or more. Rates: Interest rate: 14.2% p.a.* Comparison Rate:14.65% p.a. Example: Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more. [/vc_column][vc_column css=".vc_custom_1763354330833{padding-top: 40px !important;padding-bottom: 20px !important;}" offset="vc_hidden-md vc_hidden-sm vc_hidden-xs"] Get a Loan Today Loan Amount Loan Months Interest Rate % Loan EMI 0 Total Interest Payable 0 Total Payment (Pri + Int) 0 Disclaimer: These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. [/vc_column][/vc_row][vc_row css=".vc_custom_1762670539626{padding-top: 20px !important;padding-bottom: 80px !important;background-color: #ffffff !important;}"][vc_column] Loans for Personal and Business Need.. Don't let money become an obstacle in your business. Whether it is an important commercial property deal, the purchase of a commercial vehicle, business cash flow , or inventory to stock up on, our business loan options are suitable for everyone. You just need to fill out your loan requirements and your business information, and one of our loan specialists will call you back. No long paper work to do; quick and easy secured and unsecured business loans, funds available within the same working day on approval. We welcome all the Australian Small Business Owners, who are looking for:- [/vc_column][/vc_row][vc_row css=".vc_custom_1762782362299{padding-bottom: 40px !important;background-color: #ffffff !important;}"][vc_column width="1/3"][vc_raw_html 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el_class="bg-gray-shape position-relative" css=".vc_custom_1589966810620{padding-top: 100px !important;padding-bottom: 100px !important;background-color: #ffffff !important;}"][vc_column] What do we finance? [vc_column_text css=".vc_custom_1761575243748{margin-bottom: 48px !important;}"] Being aware of your credit score may allow you to negotiate a better rate with some lenders. [/vc_column_text][vc_row_inner][vc_column_inner width="1/3"] Heavy Vehicle Loan All commercial vehicles are welcome to be financed through loans buddy. You can apply for $20K to $2 Million for Trucks, Vans, Utes, Concrete trucks, prime movers, and other motor vehicles with at least one year old running ABN. Know More [/vc_column_inner][vc_column_inner width="1/3"] Business Loan Give a push to your business with cash flow from $20K to $1 Million. All established SMEs and Startups (with security) are welcome to submit applications. Don't let money become an obstacle in your business. Know More [/vc_column_inner][vc_column_inner width="1/3"] Equity Loan An equity loan, also known as a home equity loan or a second mortgage, is a type of borrowing offered by Loans Buddy that allows homeowners to access the equity built up in their property. Know More [/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width="1/3"] Personal Car Loan Purchase your dream car with our secured and unsecured car loan options. Borrow from $20,000 to $100,000, according to your requirements. All you need is a regular job with enough income to pass your car loan eligibility test. Know More [/vc_column_inner][vc_column_inner width="1/3"] Quick Cash Loan Money emergencies may occur at any time. Whether it is for pending bills, car repairs, goods purchased, or a travel emergency, we are always here to help you with some quick cash. Borrow from $2100 to $15,000 the same day. Just fill out our online application and complete read only e-bank statement submission. Know More [/vc_column_inner][vc_column_inner width="1/3"] Commercial Car Loan The transportation of stock is a must in every business. Rented vehicles might become a headache sometimes. Get your own commercial vans, utes, cars, and other vehicles with our business vehicle loans. Borrow from $20K to $1 Million within 48 hours of approval. Know More [/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1530590667819{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #15549a !important;}"][vc_column] Different Loans with Different Rates [vc_column_text css=""] We are taking care of every aspect of business. To fulfil working capital needs, we have designed plenty of loan products for business owners. Please take a look at the below products. Let us know which one fits best for you. [/vc_column_text][/vc_column][vc_column width="1/3"] Equity Loans Loan Term 1 month to 6 Months No payments during the loan term No credit check no Financial 60% LVR required Funding within 24 hours [/vc_column][vc_column width="1/3"] Working Capital Unsecured: 12.95%p.a. Funding within 24 hrs. Term: Upto 5 yrs Ideal For: Day-to-day Capital and Business Cash Flow. [/vc_column][vc_column width="1/3"] Equipment Finance Rates from 6.42%p.a. Funding within 48 hrs Term: Upto 7 yrs Ideal For: Machinery, Tools and other Assets Purchase. [/vc_column][vc_column width="1/3"] Vehicle Finance Rates from 6.42% p.a. Funding within 48 hrs Term: Upto 7 yrs Ideal For: Commercial Vehicle Purchase; such as Truck, Van, Ute and Car etc. [/vc_column][vc_column width="1/3"] Commercial Loans Rates from 4.9% p.a. Funding within: 6-12 weeks Term: Upto 30 yrs Ideal For: Purchasing a new commercial property, such as office or warehouse. [/vc_column][vc_column width="1/3"] Development Financing Rates from: 6.95% p.a. Funding within 3-6 weeks Term: upto 2 yrs Ideal For: Finance for the purpose of comprehensive renovations or major new building projects. [/vc_column][/vc_row][vc_row][vc_column box="true" bgcolor="#ffffff"] General Questions [vc_tta_accordion color="white" active_section="1" collapsible_all="true" css=".vc_custom_1482227862191{margin-bottom: 20px !important;}"][vc_tta_section title="How Do I Apply?" tab_id="1482227556236-93210f6b-4694"][vc_column_text css=".vc_custom_1761635414858{margin-bottom: 0px !important;}"]Application is easy, all you need to click on “Apply Now”, "Eligibility Check" or “Get Started” button. Complete the application form by filling up all the details and submit it. One of our lending partners will contact you in the next business hours.[/vc_column_text][/vc_tta_section][vc_tta_section title="How fast can the loan be approved?" tab_id="1482227556269-8e604c25-4720"][vc_column_text css=".vc_custom_1761635442103{margin-bottom: 0px !important;}"]For most loan approvals can be in as little as 24 hours, once you submit all the required documents. Moreover, this is dependent on the heath of your business, but we will always get the loan approved as fast as possible, and we will be in contact to provide updates as often as you need[/vc_column_text][/vc_tta_section][vc_tta_section title="What do I need to provide?" tab_id="1482227640472-2c115c9c-a06c"][vc_column_text css=".vc_custom_1761635471861{margin-bottom: 0px !important;}"]Your ABN/ACN details, driver’s licence, trading business bank details and some basic details about your business, this may include how long it has been operating, the structure and turnover. The more details you have, the better.[/vc_column_text][/vc_tta_section][vc_tta_section title="I’m a new business will I get approved?" tab_id="1482227667835-d817629f-6a40"][vc_column_text css=".vc_custom_1761635495500{margin-bottom: 0px !important;}"]The longer a business has been operating, the easier it is to get approved. However, we will examine each business as it currently stands. A new venture may be a higher risk, but that does not mean approval is impossible. Get in touch today so we can find a loan provider that suits.[/vc_column_text][/vc_tta_section][vc_tta_section title="What is the length of the loan?" tab_id="1761635509168-07e5b092-ed75"][vc_column_text css=".vc_custom_1761635534506{margin-bottom: 0px !important;}"]The length of the loan can be determined by yourself and the business loans provider. However most often the terms are from 91 days to 5 years or more. It depends on the type of loan you are applyig for.[/vc_column_text][/vc_tta_section][vc_tta_section title="What can the loan be used for?" tab_id="1761635540322-dc534851-4b46"][vc_column_text css=".vc_custom_1761635560948{margin-bottom: 0px !important;}"]The loan can be used for any business endeavour. If you can provide details on what the loan will be used for and how it will affect your business, this can go in your favour for reducing your business risk assessment.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][/vc_row][vc_row css=".vc_custom_1761652603812{padding-bottom: 40px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Apply in three easy steps [vc_column_text css=".vc_custom_1505900445246{margin-bottom: 60px !important;}" el_class="text-center"]You won’t be the only one lorem ipsu mauris diam mattises.[/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to know little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row][vc_row css=".vc_custom_1505901868752{padding-top: 80px !important;padding-bottom: 80px !important;}" el_class="bg-gradient call-to-action"][vc_column offset="vc_col-md-offset-2 vc_col-md-8" el_class="text-center"] Get Started Simple & Securely [vc_column_text css=".vc_custom_1505902137013{margin-bottom: 30px !important;}" el_class="text-center"]Understand what is the loan amount you are eligible for and what would the EMI be.you can apply as per your eligibility.[/vc_column_text] Apply Now [/vc_column][/vc_row] ### footer [vc_row css=".vc_custom_1590657685629{padding-top: 80px !important;padding-bottom: 20px !important;}"][vc_column width="1/5"][vc_single_image image="2095" img_size="full" css=".vc_custom_1762611729906{margin-bottom: 0px !important;}"][/vc_column][vc_column width="1/5" offset="vc_col-md-2"][vc_empty_space height="20"] Site [vc_column_text css=".vc_custom_1762759301817{margin-bottom: 20px !important;}"] How It Works Why Choose Us FAQ Contact Us [/vc_column_text][vc_empty_space height="20"][/vc_column][vc_column width="1/5" offset="vc_col-md-2"][vc_empty_space height="20"] Services [vc_column_text css=".vc_custom_1763217014276{margin-bottom: 20px !important;}"] Business Loans Cash Loans Car Loan Equity Loan Dental Loans Short Term Loan Commercial Car Loan [/vc_column_text][vc_empty_space height="20"][/vc_column][vc_column width="1/5" offset="vc_col-md-2"][vc_empty_space height="20"] Services [vc_column_text css=".vc_custom_1762759377774{margin-bottom: 20px !important;}"] Medical Loans Personal Loans Payday Loans Property Loan Weekend Loans Emergency Cash Loans [/vc_column_text][vc_empty_space height="20"][/vc_column][vc_column width="1/5" offset="vc_col-md-2"][vc_empty_space height="20"] Terms [vc_column_text css=".vc_custom_1763362258101{margin-bottom: 20px !important;}"] Target Market Determination (First Publication) Target Market Determination (Latest) Complaints Policy Complaints & Feedback Security [/vc_column_text][vc_empty_space height="20"][/vc_column][/vc_row][vc_row][vc_column][vc_column_text css=""]Loansbuddy.com.au is owned by Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 is licensed and provide credit services under Australian Credit License 389610. If we could not provide you credit, we will help to match your credit enquiry with another lender partner from our panel of lenders who we think may help you. Our panel of lender partners are licensed and follow responsible lending practice. We may receive referral fee if you decide to go with them once approved. However, they may ask you further information to assess your loan application where you can deal directly with that lender.The information on this website is general in nature and does not take into account your objectives, financial situation or needs & does not constitute any financial advice.We strongly recommend you take independent advice before choosing any loan product. INSTANT TRANSFERS *Instant transfer is available to PayID holders with participating Australian financial institutions. Most of the payments are typically settled in under 60 seconds but may be subject to checks and holds at the sending or receiving bank. As the reason, our standard payment transfer time is 24 hours.[/vc_column_text][/vc_column][/vc_row] ### Business Loan [vc_row fullwidth="yes"][vc_column] Hassle free Small Business loan up to $2000.00 Apply Now The key to business growth is Borrow The low rate you need for the need you want! get started today Looking to set up or expand your business? Business loans with low fixed rates and no ongoing fees. Apply Now [/vc_column][/vc_row][vc_row css=".vc_custom_1505983793992{margin-top: -20px !important;padding-top: 16px !important;padding-bottom: 16px !important;background-color: #e3edf9 !important;}"][vc_column width="1/4"][vc_column_text css=".vc_custom_1505983752376{margin-bottom: 0px !important;}"] Approval within 24 hours[/vc_column_text][/vc_column][vc_column width="1/4"][vc_column_text css=".vc_custom_1505983746169{margin-bottom: 0px !important;}"] Nominal interest rates[/vc_column_text][/vc_column][vc_column width="1/4"][vc_column_text css=".vc_custom_1505983756479{margin-bottom: 0px !important;}"] No guarantors[/vc_column_text][/vc_column][vc_column width="1/4"][vc_column_text css=".vc_custom_1505983759543{margin-bottom: 0px !important;}"] Minimum documentation[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761890445329{padding-top: 25px !important;padding-bottom: 25px !important;background-color: #ffffff !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Tailored Loans [/vc_column][vc_column offset="vc_col-md-6"][vc_column_text css=""] A well-structured and tailored Loans Buddy business loan can be a game-changer for your entrepreneurial journey. It not only addresses immediate financial needs but also opens doors to new possibilities, fostering innovation, and driving your business towards success. Loans Buddy business loans also play a crucial role in maintaining a healthy cash flow. Many businesses face periodic fluctuations in revenue, which can affect day-to-day operations and hinder growth. A well-structured loan can bridge the gaps in cash flow, allowing you to pay bills on time, meet payroll, and manage expenses without undue stress. This financial stability contributes to the overall resilience and sustainability of your business. As you embark on the journey to secure a business loan, it’s essential to recognize the impact of responsible borrowing. Thoroughly assess your needs, and only borrow what you genuinely require avoiding overburdening your business with unnecessary debt. Additionally, having a solid business plan in place demonstrates your dedication and foresight, making lenders more confident in supporting your venture. [/vc_column_text] Frequently Asked Questions [/vc_column][vc_column offset="vc_col-md-6"] [/vc_column][/vc_row][vc_row css=".vc_custom_1761890480019{padding-top: 25px !important;padding-bottom: 25px !important;background-color: #ffffff !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Primary Advantages [/vc_column][vc_column offset="vc_col-md-6"] [/vc_column][vc_column offset="vc_col-md-6"][vc_column_text css=""] One of the primary advantages of obtaining a business loan is the ability to fuel growth and expansion. With the infusion of capital, you can scale up operations, explore new markets, introduce innovative products or services, and stay ahead of the competition. Whether you’re a startup looking to establish a strong foothold or an established business striving for further growth, a business loan can provide the financial backbone needed to turn your vision into reality. Maintaining diligent financial management is equally crucial. Repaying the loan on time and adhering to the agreed-upon terms fosters trust with the lender and positively influences your creditworthiness. A good credit history opens doors to better loan options and more favourable interest rates in the future, empowering you to further expand and develop your business. [/vc_column_text] Frequently Asked Questions [/vc_column][/vc_row][vc_row css=".vc_custom_1761908986830{background-color: #ffffff !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Seize Opportunities [/vc_column][vc_column offset="vc_col-md-6"][vc_column_text css=""] Furthermore, a Loans Buddy business loan enables you to seize opportunities that arise unexpectedly. In the ever-changing landscape of the business world, promising ventures may surface, and being prepared to invest in them swiftly can lead to significant rewards. By having access to readily available capital, you won’t have to let these opportunities lip through your fingers. When seeking a business loan, it’s essential to research different lenders and loan types. Take the time to compare interest rates, terms, and fees to find the best fit for your specific needs. Some lenders may specialise in certain industries or offer unique loan structures that align better with your business goals. A well-tailored business loan can be a catalyst for your business’s growth and prosperity. By carefully considering your needs, crafting a compelling business plan, and diligently managing your finances, you can confidently approach lenders and secure the capital required to unlock your business’s full potential. Remember that the journey doesn’t end with obtaining the loan; responsible financial management and strategic utilisation of the funds will be the pillars of your business’s long-term success. So, take the leap, embrace the opportunities, and embark on an exciting path of growth with a well-planned and suitable business loan. [/vc_column_text] Frequently Asked Questions [/vc_column][vc_column offset="vc_col-md-6"] [/vc_column][vc_column css=".vc_custom_1761908663953{padding-top: 40px !important;}"][vc_column_text css=""]Starting or expanding a business required the right financial backing to turn dreams into reality. A well-tailored business loan can be the key to unlocking your business’s potential and achieving your goals. Whether you’re looking to fund a new venture, expand operations, purchase equipment, or boost working capital, a Loans Buddy business loan provides the necessary capital to propel your business forward. In this comprehensive guide, we will explore the ins and outs of business loans, their types, benefits, and how to secure one for your business.[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1761908786356{padding-top: 40px !important;background-color: #ffffff !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Understanding Business Loans: [vc_column_text css=""] A business loan is a financial tool that allows entrepreneurs to borrow money for business-related purposes. These loans come with various terms, interest rates, and repayment schedules, depending on the lender and the loan type. They can be secured or unsecured, short-term, or long-term, and can be obtained from traditional banks, online lenders, or other financial institutions. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1590379102736{padding-top: 100px !important;padding-bottom: 100px !important;background-color: #f4f6f8 !important;}"][vc_column offset="vc_col-md-offset-3 vc_col-md-6"] Types of Business Loans [vc_column_text css=".vc_custom_1761910069114{margin-bottom: 48px !important;}"] There are several types of Loans Buddy business loans available to suit different business needs: [/vc_column_text][/vc_column][vc_column][vc_row_inner][vc_column_inner width="1/2" css=".vc_custom_1590034726518{margin-bottom: 48px !important;}" offset="vc_col-md-4"][vc_single_image image="1632" img_size="full" css=".vc_custom_1590748323711{margin-bottom: 24px !important;}" el_class="size-60"] Term Loans [vc_column_text css=".vc_custom_1761910104646{margin-bottom: 0px !important;}"]These are traditional loans with a fixed lump sum amount provided to the borrower, which is repaid over a set period, typically ranging from one to five years. Term loans are ideal for larger investments or one-time expenses.[/vc_column_text][/vc_column_inner][vc_column_inner width="1/2" css=".vc_custom_1590034718599{margin-bottom: 48px !important;}" offset="vc_col-md-4"][vc_single_image image="1631" img_size="full" css=".vc_custom_1590748315324{margin-bottom: 24px !important;}" el_class="size-60"] Line of Credit [vc_column_text css=".vc_custom_1761910133794{margin-bottom: 0px !important;}"]A business line of credit functions like a credit card, providing access to a predetermined credit limit. Business owners can withdraw funds as needed and only pay interest on the amount utilised. A line of credit is valuable for managing cash flow fluctuations and short-term expenses.[/vc_column_text][/vc_column_inner][vc_column_inner width="1/2" css=".vc_custom_1590034733929{margin-bottom: 48px !important;}" offset="vc_col-md-4"][vc_single_image image="1633" img_size="full" css=".vc_custom_1590748339550{margin-bottom: 24px !important;}" el_class="size-60"] Equipment Financing [vc_column_text css=".vc_custom_1761910153234{margin-bottom: 0px !important;}"]This type of loan is designed specifically for purchasing equipment or machinery for the business. The equipment itself serves as collateral, making it easier to obtain financing.[/vc_column_text][/vc_column_inner][vc_column_inner width="1/2" css=".vc_custom_1590034742499{margin-bottom: 48px !important;}" offset="vc_col-md-4"][vc_single_image image="1634" img_size="full" css=".vc_custom_1590748358276{margin-bottom: 24px !important;}" el_class="size-60"] Invoice Financing [vc_column_text css=".vc_custom_1761910204388{margin-bottom: 0px !important;}"]Also known as accounts receivable financing, this type of loan allows businesses to receive cash advances based on outstanding invoices, providing much-needed working capital while waiting for customers to pay.[/vc_column_text][/vc_column_inner][vc_column_inner width="1/2" css=".vc_custom_1590034748029{margin-bottom: 48px !important;}" offset="vc_col-md-4"][vc_single_image image="1635" img_size="full" css=".vc_custom_1590748367257{margin-bottom: 24px !important;}" el_class="size-60"] Small Business Administration (SBA) Loans [vc_column_text css=".vc_custom_1761910174529{margin-bottom: 0px !important;}"]SBA loans are government-backed loans offered through partner lenders. They often come with more favourable terms and lower interest rates, making them an attractive option for small businesses.[/vc_column_text][/vc_column_inner][vc_column_inner width="1/2" css=".vc_custom_1590034754249{margin-bottom: 48px !important;}" offset="vc_col-md-4"][vc_single_image image="1361" img_size="full" css=".vc_custom_1761910391101{margin-bottom: 24px !important;}" el_class="size-60"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css=".vc_custom_1505900289467{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #ffffff !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Benefits of Business Loans [vc_column_text css=".vc_custom_1761911846418{margin-bottom: 60px !important;}" el_class="text-center"]Taking out a Loans Buddy business loan can be advantageous for your company in several ways: [/vc_column_text][/vc_column][vc_column width="1/4"] Growth and Expansion With the infusion of capital from a business loan, you can expand operations, open new locations, or invest in marketing to reach a broader audience. [/vc_column][vc_column width="1/4"] Opportunity Seizing Sometimes, lucrative opportunities arise that require immediate investment. A business loan can help you seize these opportunities without missing out. [/vc_column][vc_column width="1/4"] Improved Cash Flow A business loan can smoothen cash flow fluctuations, allowing you to maintain daily operations and meet financial obligations without stress. [/vc_column][vc_column width="1/4"] Building Credit Successfully managing and repaying a business loan can positively impact your business’s credit rating, which can help you secure more favourable terms in the future. [/vc_column][/vc_row][vc_row css=".vc_custom_1505968073909{padding-top: 80px !important;padding-bottom: 80px !important;background-color: #eff1f4 !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] How to Secure a Business Loan [vc_column_text css=".vc_custom_1761912326231{margin-bottom: 60px !important;}" el_class="text-center"] While business loans can be transformative for your company, obtaining one requires careful preparation and presentation: a) Assess Your Needs: Determine the exact purpose of the loan and the amount required to achieve your business objectives. b) Business Plan: A well-crafted business plan outlining your company’s vision, financial projections, and repayment strategy will impress lenders. c) Creditworthiness: Ensure your personal and business credit history is in good standing, as this heavily influences loan approval and interest rates. d) Collateral and Guarantees: For secured loans, be prepared to offer collateral, such as property or equipment, to back the loan. Personal guarantees may also be necessary e) Research Lenders: Explore various lending options and compare interest rates, terms, and fees to find the most suitable lender for your business. f) Application Documentation: Gather all necessary documents, such as financial statements, tax returns, bank statements, and legal documents g) Demonstrate Stability: Lenders prefer businesses with a track record of stable revenue and operations. Be prepared to showcase your business’s stability and growth potential. [/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1505900453546{padding-top: 80px !important;padding-bottom: 80px !important;}"][vc_column offset="vc_col-md-offset-2 vc_col-md-8"] Apply in three easy steps [vc_column_text css=".vc_custom_1505900445246{margin-bottom: 60px !important;}" el_class="text-center"]You won’t be the only one lorem ipsu mauris diam mattises.[/vc_column_text][/vc_column][vc_column width="1/3"] 1. Complete the form First we need to knowa little about you and your needs for loan. Apply Now [/vc_column][vc_column width="1/3"] 2. Get Approval You will within five working hours of submitting your application and get approved [/vc_column][vc_column width="1/3"] 3. Secure Your Funds After approved, we will can you to work out the details. We sent money within hours of approved. [/vc_column][/vc_row] ### Frequently Asked Questions [vc_row][vc_column box="true" bgcolor="#ffffff"] General Questions [vc_tta_accordion color="white" active_section="1" collapsible_all="true" css=".vc_custom_1482227862191{margin-bottom: 20px !important;}"][vc_tta_section title="What is the loan repayment term?" tab_id="1482227556236-93210f6b-4694"][vc_column_text css=".vc_custom_1761737477618{margin-bottom: 0px !important;}"]Our minimum loan term is 30 days and our maximum term is 365 days.[/vc_column_text][/vc_tta_section][vc_tta_section title="How much can I borrow at one time?" tab_id="1482227556269-8e604c25-4720"][vc_column_text css=".vc_custom_1761737498653{margin-bottom: 0px !important;}"]You can borrow from $2100 to $5 000 at once. The amount you are eligible to borrow will be assessed and determined by your lender.[/vc_column_text][/vc_tta_section][vc_tta_section title="What are the available repayment options?" tab_id="1482227640472-2c115c9c-a06c"][vc_column_text css=".vc_custom_1761737520260{margin-bottom: 0px !important;}"]You can choose to make repayments either weekly, fortnightly or monthly. Your lender will set the repayment term according to your selection. We normally recommend that you set the repayment term to match your income frequency.[/vc_column_text][/vc_tta_section][vc_tta_section title="Who do I contact if I have a problem or a complaint?" tab_id="1482227667835-d817629f-6a40"][vc_column_text css=".vc_custom_1761737542441{margin-bottom: 0px !important;}"]You are welcome to contact us directly in writing hello@loansbuddy.com.au. Depending on the nature of your enquiry you it may be appropriate to talk to your lending company.[/vc_column_text][/vc_tta_section][vc_tta_section title="What services do you offer?" tab_id="1761737557211-2fc10f81-9afc"][vc_column_text css=".vc_custom_1761737582315{margin-bottom: 0px !important;}"]We find the best available payday loans or personal loans for our customers from our panel of lenders. We take pride in offering quick loans and many of our customers receive their funds on the same day.[/vc_column_text][/vc_tta_section][vc_tta_section title="Will you introduce me to a lender?" tab_id="1761737584961-df1ddd03-675f"][vc_column_text css=".vc_custom_1761737607300{margin-bottom: 0px !important;}"]Yes, we endeavour to introduce you the lender that has the best available loan option to suit your needs. Once we have a decision from your loan application, your lender will be in contact with the terms and conditions for your loan.[/vc_column_text][/vc_tta_section][vc_tta_section title="How long does the entire application take?" tab_id="1761737609271-da25573a-81dd"][vc_column_text css=".vc_custom_1761737629998{margin-bottom: 0px !important;}"]We are proud of our quick cash loans service. Sometimes you can have the money in your account within a couple of hours. Below is a summary of the process: STEP 1: Our easy online application form takes less than 5 minutes to complete. You should receive a conditional approval within a few minutes, and your lender will be in contact with you via text or email within the next hour. STEP 2: Once you have e-signed and approved your loan contract, a few more verification checks may be completed and your lender will send your funds to your nominated bank account. STEP 3: The time it takes to get your loan varies depending on your lender and your bank. Sometimes our loans are called same day loans because most people get the money in their back on the same day they apply. If funds are sent after 3pm or on the weekend then it's more than likely you will receive your funds on the next business day.[/vc_column_text][/vc_tta_section][vc_tta_section title="What states do you service?" tab_id="1761737633125-0ac2cbce-def9"][vc_column_text css=".vc_custom_1761737657251{margin-bottom: 0px !important;}"]Our instant loans service is available to people all over Australia. Our extensive panel of lenders can lend to customers in New South Wales, Victoria, Tasmania, Western Australia, Northern Territory and ACT.[/vc_column_text][/vc_tta_section][vc_tta_section title="Who is eligible to apply for a loan?" tab_id="1761737659433-88ca298f-60b7"][vc_column_text css=".vc_custom_1761737686570{margin-bottom: 0px !important;}"]Criteria may vary depending on the requirements of each lender. However the minimum requirements we need to satisfy are: You need to be at least 18 years of age You need to be an Australian citizen or permanent resident You must be able to comfortably afford to meet the repayments with your regular income paid into an Australian bank account. You need to provide proof of identification. You must have a valid Australian telephone number and email address. You must not have two or more ongoing loans in your name already You need to make sure you have not applied for two or more loans in the past 90 days. If a lender has declared you as a 'defaulter' for incomplete past payments your loan approval chances may be lower. Approval depends on the policies of each lending company on our panel. [/vc_column_text][/vc_tta_section][vc_tta_section title="Do Centrelink recipients qualify for a loan?" tab_id="1761737689744-f095c352-f6b2"][vc_column_text css=".vc_custom_1761737717555{margin-bottom: 0px !important;}"]Yes, if you are a Centrelink beneficiary you can apply if: You are getting half of your income from Centrelink. Your repayment amount from your loan should not be more than 20% of your income (including any past loans you are still repaying). [/vc_column_text][/vc_tta_section][vc_tta_section title="How much does a loan cost?" tab_id="1761737719533-a42b4fe6-6d55"][vc_column_text css=".vc_custom_1761737881504{margin-bottom: 0px !important;}"] We process your application for free. After your loan has been approved your lender will charge: Upfront Establishment fee: 20% of total loan amount Monthly interest: 4% of the total loan amount. E.g. If you borrow $800 for 90 days your charges will be: (a). Upfront Establishment Fee: $160 (20%) (b). Monthly interest: $32 per month (4%) for the next 90 days. (c). The total amount you end up paying to the lender is $1056. (The above rates are a numeric example, the results may vary between different lenders and some lenders may charge additional fees. Please refer to your loan contract for a full breakdown of the fees and charges associated with your loan). [/vc_column_text][/vc_tta_section][vc_tta_section title="What should I do if I have problems making my repayments?" tab_id="1761737887505-1749ad51-cb8f"][vc_column_text css=".vc_custom_1761737921041{margin-bottom: 0px !important;}"]Contact your lender as soon as possible to discuss your options. If you do not advise your lender of your situation and miss a payment you may be charged a fee.[/vc_column_text][/vc_tta_section][vc_tta_section title="What if I want to pay my loan off early?" tab_id="1761737924305-2853655c-eeee"][vc_column_text css=".vc_custom_1761737953634{margin-bottom: 0px !important;}"]You are welcome to pay your loan off early and will not incur any cancellation fees.[/vc_column_text][/vc_tta_section][vc_tta_section title="How do I contact customer support?" tab_id="1761737955083-a4bd40bf-edc5"][vc_column_text css=".vc_custom_1761737981854{margin-bottom: 0px !important;}"]We provide many convenient ways for you to get in touch. You can complete our contact form online . Email us - hello@loansbuddy.com.au Phone us on 0424 102 033 Or write to us at 8 Budawang St, Parkinson, QLD, 4115, Australia[/vc_column_text][/vc_tta_section][vc_tta_section title="Why do I have to enter my personal information into your website?" tab_id="1761737984976-9e40881c-e429"][vc_column_text css=".vc_custom_1761738005786{margin-bottom: 0px !important;}"]We need your personal details to complete the relevant verification checks that enable us to match you with the lender that will best suit your needs. The other reasons we collect your personal information are: To confirm your identity. To verify that you can comfortably afford to meet your repayment obligations. To verify that you are the owner of the bank account your funds are going to be deposited into. [/vc_column_text][/vc_tta_section][vc_tta_section title="Do you complete a credit check as part of my application?" tab_id="1761738008227-101d0780-9dbf"][vc_column_text css=".vc_custom_1761738028783{margin-bottom: 0px !important;}"]We do not complete a credit check as part of our initial application process. Some of our lenders will conduct a credit check. This is to gauge an understanding of your past credit history and how well you have repaid credit in the past. If your application is declined by one of our lenders we will do our best to find another lender that can help. You are required to give your permission for a credit check to be completed. This is why you must read the terms from your lender before you proceed.[/vc_column_text][/vc_tta_section][vc_tta_section title="Does a bad credit history affect my chances of being approved for a personal loan?" tab_id="1761738030772-bd63abf4-6bc4"][vc_column_text css=".vc_custom_1761738051097{margin-bottom: 0px !important;}"]We believe that everyone deserves a fair go. Many of the lenders on our panel specialise in bad credit loans so there is every chance that we will be able to find a lender to approve your application.[/vc_column_text][/vc_tta_section][vc_tta_section title="What are your opening hours?" tab_id="1761738054086-8f85568a-36c7"][vc_column_text css=".vc_custom_1761738074017{margin-bottom: 0px !important;}"]Everything is 100% online so we are open 24 hours, 7 days. This means you can apply for weekend loans from the convenience of your lounge room.[/vc_column_text][/vc_tta_section][vc_tta_section title="What reasons do I have to provide for a personal loan?" tab_id="1761738075461-b2e14231-3af6"][vc_column_text css=".vc_custom_1761738097226{margin-bottom: 0px !important;}"]We have helped our customers out with loans for a variety of reasons. We can help you with unexpected bills e.g. car registration loans. Or it you need help with a special one of purchase. We have helped customers with boat loans or motorbike loans. We are extremely flexible, let us know the reason in your application to help us to match you with the best available lender.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][vc_empty_space height="60px"][/vc_column][/vc_row] ### Loan Calculator [vc_row][vc_column box="true" bgcolor="#ffffff"] Loan Amount is 30000 No. of Month is 30 Rate of Interest `{`ROI`}` is 10 Monthly EMI Total Interest Payable Amount Interest Percentage Apply Now [vc_column_text css=".vc_custom_1763445737617{background-color: #FFFFFF !important;}"] Disclaimer: These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.[/vc_column_text][/vc_column][/vc_row] ### Blog ### Contact us [vc_row][vc_column box="true" bgcolor="#ffffff"][vc_row_inner][vc_column_inner width="2/3" offset="vc_col-lg-offset-2 vc_col-md-offset-2" css=".vc_custom_1482134244533{margin-bottom: 60px !important;}"] Get In Touch [vc_column_text css=".vc_custom_1482134248944{margin-bottom: 0px !important;}"] Reach out to us & we will respond as soon as we can. [/vc_column_text][/vc_column_inner][vc_column_inner css=".vc_custom_1482134684269{margin-bottom: 60px !important;}"] name Email Phone PhoneCar LoanHome LoanEducation LoanBusiness LoanPersonal Loan [/vc_column_inner][vc_column_inner css=".vc_custom_1482134711588{margin-bottom: 60px !important;}"] We are here to help you [vc_column_text css=".vc_custom_1762606735737{margin-bottom: 0px !important;}"] If you need assistance, please write us at the email given below.We will get back to you within 24 hours. [/vc_column_text][/vc_column_inner][vc_column_inner width="1/3" css=".vc_custom_1482134795637{margin-bottom: 60px !important;}"] Branch Office 8 Budawang Street, Parkinson QLD 4115, Australia* [/vc_column_inner][vc_column_inner width="1/3" css=".vc_custom_1482134803127{margin-bottom: 60px !important;}"] Call us at [/vc_column_inner][vc_column_inner width="1/3"] Email Address hello@loansbuddy.com.au [/vc_column_inner][vc_column_inner][vc_column_text css=""] *Note: We do not accept any application or document on this address. Please apply online. [/vc_column_text] [/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]