Instant cash loans aren’t the only option for people with bad credit. It is possible for those with bad credit to get fast cash loans from $300 to $15,000. These loans can be either secured or unsecured and feature differing repayment periods depending on the model. Friendly Finance is a simple and straightforward lender-finding service that can help find lenders for those wanting a cash injection on short notice.
What are instant cash loans?
If you find yourself short on time and in need of some extra money, the prospect of quick cash loans online sounds perfect. Unfortunately, even the lenders that we can find for applicants can’t deliver funds instantly. What we can follow through on however is our quick and easy lender-finding service. We can even find lenders for people with bad credit!
If you’ve got bad credit, instant loans no credit checks aren’t your only option when it comes to getting finance. There are online lenders who can look at more than just your credit score and even provide you with a personal loan. By applying with Friendly Finance, we may be able to help you find them. So stop wasting time by searching for “fast approval loans need cash today,” and apply with Friendly Finance instead!
Can I get instant cash loans online from Friendly Finance?
Friendly Finance is a lender-finding service, so we don’t provide loans ourselves. There may be times where you wish you could get cash quickly, but don’t despair. The lenders we can find for applicants could provide fast finance to help you out on short notice. They might not be instant loans, but they’re still pretty damn fast!
Sound good and want to learn more? Keep reading to find out how Friendly Finance could help you out on the road to finding a lender.
Why do people search for instant cash loans online?
There are typically two main reasons why some people search for terms like “cash loans online fast approval”: they have bad credit and/or they’re looking for some quick cash. If you’ve applied with a traditional lender before, you might have run into some trouble if your credit score wasn’t up to scratch. Not only that, but applying for bank loans can be a lengthy process. We can certainly understand why some people might be after an easier and faster solution!
Thankfully, there are other options out there. Where a bank might see a bad credit score and immediately reject an application, there are online lenders that focus on other things. These lenders typically look at your current ability to afford a loan and judge applications more on those criteria. At Friendly Finance, we can help you find such lenders! All you need to do is submit an application, and we’ll see if there’s a lender out there for you.
What is bad credit?
Bad credit is perhaps most often the result of defaulting on payments or even making your payments late. A record of this can then be recorded on your credit report as negative information, which can hurt your credit score. Even if you missed some payments many years ago, it could still be having a detrimental effect. Some negative credit information can remain on your report for as long as seven years. Imagine if that was preventing you from taking out a loan!
If you already know your credit score, it will be on a scale of either 0 to 1,000 or 0 to 1,200. As you might imagine, the closer your score is to 0, the worse it is. There are a few credit reporting agencies in Australia, so we’ve compiled the credit bands of three of them here for you. How does your credit score stack up?
| Credit Band | Experian | illion | Equifax |
|---|---|---|---|
| Excellent | 800 – 1,000 | 800 – 1,000 | 833 – 1,200 |
| Very Good | 700 – 799 | 700 – 799 | 726 – 832 |
| Good | 625 – 699 | 500 – 699 | 622 – 725 |
| Fair/Average | 550 – 624 | 300 – 499 | 501 – 621 |
| Weak/Below Average | 0 – 549 | 0 – 299 | 0 – 509 |
If you find yourself in one of the lower bands, it might be difficult to convince a bank to give you a loan. That’s where online lenders could provide some financial help instead. Consequently, if you’re looking for more information about credit scores, lenders and easy loans, head on over to ASIC’s MoneySmart website.
What should I apply for instead of instant loans?
So quick loans may be off the table, but you still have other options if you’re looking for fast cash. We may be a bit biased, but we think the best way to kick things off is by applying with Friendly Finance! Just like the loan you’re looking for, we can be super fast with our lender-finding. All you have to do is submit an application and we’ll start doing our thing. So, what are you waiting for?
Who can apply with Friendly Finance?
Friendly Finance can be a huge help when it comes to finding lenders offering personal loans. The first step to our quick and easy process is making sure that you qualify for our service. This will ensure that you’ll have all the information you need to complete our application form. Here are the criteria you need to fulfil.
You must:
- Be at least 18 years of age;
- Be an Australian citizen and/or permanent resident;
- Have been receiving an income into a personal bank account for at least the past 90 days;
- Have a direct contact phone number and email address.
If you can tick off each one of those boxes then you are welcome to scroll up and start your application. It’s super simple and can take just a few minutes to fill out. Why not put an end to your days of searching for “online cash loans no credit check unemployed” or “instant loans for pensioners” and apply with Friendly Finance instead?
Why should I apply with Friendly Finance?
We could go on all day about why using our lender-finding service is better than searching by yourself. However, we realise you’re busy, so we’ll jot down just a few of the big benefits to applying with Friendly Finance.
- Fast Applications: If you’re new to the world of loans and lenders, compiling and comparing all of them can take countless hours of research. Even if you find one that you think suits you best, there’s no guarantee that your application will be approved. Instead of going through this unnecessarily exhausting process, choose Friendly Finance. Submit one application and we’ll get to work on looking for lenders. See? Much easier.
- Convenient: With Friendly Finance, applications aren’t a chore, and they won’t take a chunk out of your day. You can even apply while you’re binging Netflix or just before you go to bed. Applications don’t need to be super complicated, and ours definitely isn’t.
- Easy application: When you think of loans and lenders, you might picture a huge contract that’s about the size and weight of a dictionary. At Friendly Finance’s, we like to keep things simple. Our paperless application can be completed online. Just click apply, fill in your details on our application form, sign the contract and then submit. That’s all we need to start our lender-finding process!
- Fast outcomes: Just like the rest of our process, we aim to keep our outcomes super convenient for you. Consequently, you won’t be waiting for months on end, hanging by the phone for a call. If we find a lender for you, we’ll put you in contact with them and let you continue your loan journey. We’re in the business of finding lenders, and we want to do that as fast as you want to get your cash!
How do I apply with Friendly Finance?
Despite some of the tedious experiences you might have had filling out applications in the past, it doesn’t have to be like that. At Friendly Finance, we’re committed to making our application process as streamlined and straightforward as can be. So, once you’ve made sure that you’re eligible and have a bit of time, grab your phone or laptop and hit that apply button!
You’ll then be taken to the application form where we’ll ask for some basic details. Don’t worry, we don’t go overboard, and we only request the information that we need to start searching for lenders. You can zoom through this section or take your time, but make sure you fill out the sections appropriately. Click submit, and that’s your part done and dusted! You can then either go about your day or maybe kick back and relax. The convenience of our application process means you can do it almost anytime, anywhere!
While you’re doing what you do best, we’ll be doing the same – finding lenders! So, if we find one for you, we’ll put you in touch with them ASAP. That’s our job done, and we hope that the rest of your loan journey is a success. We’re glad we could help, and if you need to find a lender again, feel free to stop by!
When can I apply?
Things have changed a lot since online loans came onto the scene. We like to keep up with the times, which is why our entire application process is 100% online as well! There’s no need to make an appointment at a branch, wait in line, or even fill out paperwork for your application. Instead, you can apply at a time and place that suits you. Whether you’re kicking back and watching TV or on your break at work, you can head on over to our website and submit an application.
Not only that but our website is mobile compatible. So if you’re one of those people who are constantly on the go, you can even apply with a few taps on your smartphone screen. How’s that for convenient? Finding lenders has never been easier than with your friendly neighbourhood lender-finders, Friendly Finance.
Don’t waste time searching for instant cash loans online – apply with Friendly Finance today!
While you may not be able to get an instant loan, it is still possible to get quick loans online. However, searching and sifting through all the online loans available can still take a lot of time. That’s where Friendly Finance can swoop in to help you out. Simply take a few minutes out of your day to submit a 100% online application, and we’ll do the lender-finding for you. Our process is super quick, and if we find a lender for you, we’ll put you in contact with them as soon as possible. Then you’ll be one step closer to getting the fast finance you’re after!
Want to know more about Friendly Finance and why we do what we do? Our website is bursting with information to fulfil your curiosity. Firstly, there’s the about us page where you can read about the Friendly Finance story and what motivates us to provide our lender-finding service. If you have questions about our service you can visit the FAQs section. For further queries or specific questions about your application, drop us a line via the Contact Us page and we’ll respond promptly. Customer service is as important to us as finding lenders!
When you’re ready to kickstart your loan journey, scroll up to the top of the page and click apply. Let your friends at Friendly Finance walk you through the lender-finding process!