When you have expenses to pay – especially unexpected ones – there’s no time to lose. With emergency plumbing bills or a car that won’t start, you don’t have days or weeks to shop around for a loan. What you need is a quick, no hassle solution – and that’s what you’ll get by applying for cash loans online.
When life happens, it’s time to find the best cash loans online
The good things in life may be free – but try telling that to your auto mechanic when you’re stuck at the side of the road!
Trouble is, getting your hands on that money can be the biggest headache of all.
When something important needs paying, there’s only one thing to do – pay it! But for most of us, that’s easier said than done.
If you’ve ever tried applying for a traditional loan, you’ll know how frustrating those endless forms can be. To make things worse, you must provide a mountain of supporting documents. And of course, they typically don’t have a good relationship with bad credit applicants.
The good news is, technology has come to the rescue with easy loans – but how do you find one?
If the world of loans and finance seems like a scary place, Friendly Finance is here to guide you.
We can find you one of our preferred loan companies so you can get the ball rolling!
Finding cash loans online – where to start?
There are loads of cash loans online – and that can be a curse or a blessing.
When there’s no time to lose, the last thing you want is to spend all day searching for cash loans online. Once found, you then need to apply for them – that could mean hundreds of applications. And you still stand a chance of rejection because you don’t meet their requirements.
On top of the hassle factor, you could also damage your credit score. You should know that most rejected loan applications will show up on your credit file.
We know that searching for cash loans online can be an overwhelming experience – that’s why we’re here.
At Friendly Finance, we do our homework, and we have our connections! We’ve looked at a wide variety of loan products and lenders and find you a lender that can help de-stress your finances.
We’ll help you to find a short-term lender, based on the information you give us. It’ll save you time and hassle, and let you get on with what’s important to you.
Applying for cash loans online means no more paperwork!
If there’s one thing nobody likes, it’s filling in piles of paperwork. It’s so last century – and so not friendly!
That’s why Friendly Finance offers a 100% online application process:
- When you apply for cash loans online through our website, you won’t need to print and scan loads of documents.
- Choose your loan amount and repayment time, and click “Apply”.
- After that, we’ll ask you for a few details about yourself and your income.
- Then submit your application and we’ll get to work finding you a lender that can help
It’s as simple as 1, 2, 3 which must be why most of our customers finish their applications in just a few minutes!
Applying for cash loans online is easy – but how does it work? How much can you apply for and what info do we need from you?
Get ready, because we’re about to tell you everything you need to know!
Who can apply for cash loans online?
One of the biggest reasons why people don’t apply for cash loans is that they think they don’t qualify for one. But here’s the thing – it’s not that tricky.
If you can meet these easy requirements, then we’ll be ready to help you find a lender that can offer cash loans online.
- You’re 18 years old – or older.
- You’re an Aussie citizen or permanent resident.
- You have a regular income paid into your bank account.
- You have a valid mobile number and email address.
If that sounds like you – congrats! Now let’s get going with your application!
How much can I borrow?
There are so many cash loans online, and some lenders have higher loan limits than others.
You can apply for a cash loan from $300 to $15 000 through our website. Now that’s what we call flexible!
How long do I get to repay my loan?
There’s another great thing about applying for cash loans online. You can choose your repayment period. The loans you can apply for through Friendly Finance range between 12 and 24 months.
A longer repayment time means your repayments could be smaller or your repayment terms could be longer.
On the Friendly Finance website, you can play around with your loan amount and repayment time. By moving the sliders up and down, you are able to see different options.
Once you choose your loan amount and repayment period, you’re almost good to go!
What kind of lenders offer cash loans online?
When you apply for a loan, it’s always good to know who you’re dealing with.
With new lending technology, traditional lenders like banks aren’t the only kids on the block anymore. These days, there are a variety of online lenders out there.
There’s only one little problem. With so many new lenders offering instant cash loans online, how do you know who to trust?
That’s where Friendly Finance comes in. Here are some pointers for you on dealing with online loan providers.
- Taking on a loan means you’re obliged to pay it off – and you’ll need to understand exactly what you’re signing up for.
- First things first – don’t apply with the first website that says “we can loan you cash online”. Instead, take some time to research your options first.
- Make sure your lender is reputable and licensed to lend by ASIC (Australian Securities & Investments Commission).
- Friendly Finance only deals with ASIC licensed companies. You can have complete confidence in the online lenders we compare.
What info do I need to provide when I apply for cash loans online?
We’re living in a time when privacy and personal information are big issues. When you apply for a loan online, you’ll want to know exactly what info you need to supply.
Applying for a lender that can offer a cash loan through Friendly Finance is simple. We’ll only ask you to provide these few bits of info:
- Your name and proof of ID.
- Your income and employment details
- Internet banking details – to retrieve read-only copies of your bank statements
- MyGov details (if applicable)
- If you’re applying for a secured loan, proof that you own the assets used to secure it.
If your new loan company needs any more info, they’ll be in touch. For them to do so, you’ll need to make sure the phone number and email you provide is correct!
Choosing the right cash loans online – the power of comparison
No matter why you’re searching for a cash loan online, we know you’ll want your cash as fast as possible.
When you have urgent expenses to pay, who has time to research every loan company? The Friendly Finance team will do that for you!
- Once you provide the necessary details, we move into the next phase of your application. You’ll see a table showing offers from different loan companies.
- Now you have the info you need to choose the perfect loan option for your unique situation.
When you are ready to apply, click the ‘Apply Now’ button next to the lender’s name. You’ll be immediately redirected to their application page.
What happens after I apply?
Once you’ve entered your details and applied for your cash loan online, you can give yourself a slap on the back! Your work here is complete.
The lender you’ve chosen to apply to will process your application. The lender should then contact you ASAP with their decision.
Your loan company will then look at your income and finances and decide how much you can borrow. We can find lenders that look at more than just your credit score. So, you could say they’re bad credit friendly!
If the amount you want to borrow is too high, your loan company may offer you a smaller loan that you can better afford.
That’s just them looking out for you – and making sure that you don’t stretch your budget beyond its limit.
If your application is successful, your lender will give you all the details of your loan agreement.
This is the time to ask them if you have any questions – especially when it comes to making loan payments.
Repaying your cash loan – how to be the best customer ever
One of the most significant bits of info that your loan company will give you is the date when your loan payment is due.
It’s so important to repay your loan on time. So, keep an eye on your repayments and when they’re due.
Once you know your payment debit date, the only thing left to do is to make sure your bank balance can cover the repayment amount.
Missed loan payments can lower your credit score – especially if you stop paying. If your finances change while you’re still repaying your loan, let your loan company know.
It’s always better to communicate with a lender and make a payment arrangement. Saying nothing and hoping the problem will go away won’t help in the long run.
Most of our customers never have trouble repaying their loans, and chances are you’re no different.
With your loan repaid in full, you could have a stronger credit record. You will also have developed a good relationship with the loan company.
So, take time to make sure you stay on top of your repayments, and once you do, they should automatically leave your account when the due date comes around.
Applying for cash loans online can tick a few things off your wishlist
It only takes a few minutes to apply for cash loans online. Why spend days pulling your hair out over unforeseen expenses if it’s so quick? There’s honestly nothing worse than stressing over money. And there’s nothing better than getting the cash you need!
Some of our customers use their cash loans to pay for emergency home and car repairs. Others buy sports equipment or musical instruments for their talented kids. Some even treat their loved ones to an overdue holiday.
Being able to give your family a comfortable home, reliable car or well-deserved break is what life is all about. Applying for a cash loan online will let you do just that.
Not every loan has to be for an emergency either. Where does it say that you have to wait months to buy an appliance that you’ve wanted forever?
No matter what you use your cash loan for, you’ll feel instant relief with your expenses paid and off your mind!
Ready to apply? Get your cash loans online today!
Now that you know what a cash loan can do for you – and how they work – there’s only one thing left to do. Stop losing sleep over the expenses you need to pay for and take the first step in paying for them!
Are you tired of going without the things you want the most? Apply for one of Australia’s best cash loans online with Friendly Finance today!