To apply for instant cash loans, you need to answer the online application forms easily accessible in this link. You will need to provide information on the loan amount, personal details such as the contact information and residential address, and your employment details (including 90-day bank statements containing your income and expense expenditure). Bank statements are required to determine your financial standing and your capacity to pay off your loan. Friendly Finance extracts these banking statements via a secure online tool in just a few minutes!

The entire application process for Friendly Finance will only take minutes to complete, with an instant decision released a few moments after. No hard credit check will be conducted (therefore, will not affect your credit score) and no fees will be required by Friendly Finance during the application process.

Instant cash loans offer borrowers the chance to receive immediate funds when they are needed. Most traditional lenders can take up to a week to provide a lending decision, which doesn’t work for customers who need the money straight away – for example, if they are hit with unexpected bills.

Instant cash lenders can be found online in Australia, typically offering loan amounts up to $2,000 with loan repayments from 16 days to 12 months. By applying through Friendly Finance, you will receive an instant decision and, if approved by a lender, could have the money within minutes of signing your instant cash loan agreement. We work with a network of licensed lenders who consider applications from customers with ranging credit histories and scores.

Due to the fast instant cash loan turnaround, these loans can come with higher fees than traditional lenders and should only be used as a last resort if no alternative options are available to you – such as other lines of credit or savings.

Lenders typically release funds for the loan within 1-3 business days from the time the loan was approved. The funds can also be transferred instantly provided that you have the necessary qualification for the loan and you have provided the needed details such as your identification information and contact information. Based on the data, 99% of the loan accounts are funded within 24 hours from the time the loan was approved by the lender.

The loan will be credited directly to the nominated bank account of the borrower and the bank account submitted by the borrower during the application process.

Yes, it certainly is. We understand the importance of handling your sensitive information in a responsible manner, and we’re dedicated to conducting business in an open and transparent way to reflect this.

Our privacy policy sets out how we handle and manage all your information in compliance with our requirements under the Privacy Act 1988, Australian Privacy Principles, and any related privacy codes.

This policy details how we collect, use, disclose, and hold your information. However, we generally don’t collect or hold sensitive information unless you have consented to it. The information that we do ask for is reasonably necessary in order for us to provide one of our products or services.

For further detailed information please review our Privacy Policy, where you can get the ins and outs of what we do with your information.

You should only borrow what you’re sure you can afford to pay back. Short-term financial solutions should not be intended to cover long-term needs.

We follow strict Responsible Lending Practice principles, which are basic guidelines as to how to make sure borrowers don’t become over-indebted and reckless. Only one loan should be applied for at any given time, and we strongly advise repaying any existing loans before applying for another.