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A guide to quick loans

There are some things that just can’t wait until payday. Have you ever tried to out-wait a blocked toilet or an overflowing kitchen drain? Maybe a leak has turned your kitchen or bathroom into a no-go area. 

What if your boisterous boy needs a trip to the ER after a tussle with a barbed wire fence? Some things just can’t be put off. 

When emergencies like these happen, we understand that you may need cash in a hurry. Quick loans are a great option when things just can’t wait. Friendly Finance is here to help when life throws you an unexpected emergency. 

Faster is better, so apply today! 

What Are Quick Cash Loans?  

Quick loans are small loan amounts that offer almost instant approval. They allow you to receive an advance to cover the expenses of your emergency almost immediately and pay back the loan in one lump sum or a few monthly payments. Quick loans can also be referred to as: 

Quick loans are a simple way of getting the money you need to take care of things right now. The cash can be deposited directly into your account in a matter of hours, once approved. 

Payday Loans 

A payday loan is a type of quick loan, and allows you to borrow money based on your monthly income. It’s considered one of the best quick cash loans options. 

Even if your credit rating isn’t the best or you’re a student that has an alternative income, you could be approved for a quick cash loan. Approval is almost instantaneous, which is what makes quick cash loans so attractive to so many people. 

Once approved, you’ll receive information on how much you can borrow and the repayment fees. Simply choose your amount and your terms, sign the papers that come with the loan agreement, and you’ll be good to go! 

Once you’ve accepted and everything is successfully completed, the cash will be transferred to your account. Keep in mind the transfer time between different banks for the funds to clear – it could take anywhere from a few minutes to a few hours (and if done late in the day, it may only reflect the following day). 

Applying online is easy and fuss-free. You’ll need: 

How Quick is A Quick Cash Loan? 

The loan application process from start to finish is extremely quick and easy. The faster you get your completed application through with all relevant documentation, the quicker you’ll be able to get cash in hand. Once everything has been approved, it’s just a matter of time before the funds are available in your account.

quick loans

Am I Eligible For a Quick Cash Loan? 

In order to be eligible for a quick cash loan there are some requirements that we have in place, which are as follows: 

If you answered yes to all of the above, then apply for a quick cash loan today! 

Can I Apply If I’m Receiving Other Benefits? 

While this does depend on what kinds of benefits you’re receiving and how much, generally you’ll still be eligible to apply. Other benefits could include: 

Can I Apply If I Have a Bad Credit Profile? 

At Friendly Finance, we know that a credit score is only half the story. We’re here to find you the best loans for your situation, and if we can help, we will. 

Here’s the thing – most people think their credit is bad, so they’re scared to check their credit score. For all you know, your credit score is fine!

As an Aussie consumer, you are entitled to a free credit report each year. You can get yours here. If your score is more than 600 out of 1,200, your chances of getting credit are pretty good.

If you do have a bad credit score, though, it shouldn’t completely ruin your chances at getting quick loans. We take your situation into consideration when deciding on approval, and in some cases, we’re willing to give you a chance. If you have a bad credit score, get in touch and we’ll see what we can do. 

Can I Apply If I Have No Income? 

If you have no income at all, it’s not likely that you’ll be approved for a loan. Unfortunately, you need to be able to prove that you can repay the loan and still cover your own day-to-day expenses. 

One of the criteria to be eligible for a loan is to be receiving some form of income for 90 days prior to applying. If you have no income at all, it may be worth looking at a co-signed loan, which is when someone else signs the loan with you, agreeing that if you default on a payment, they can be held responsible and made to repay. 

What Can Quick Cash Loans Be Used For? 

You can use your quick cash loan for just about anything you need. Some examples include:  

All You Need to Know About Repaying Your Quick Loan 

Repaying your loan is hassle-free. An automatic debit order will be set according to your pay cycle, which will continue on a monthly basis until the loan has been paid off. All you need to do is make sure that there are enough funds in your account to cover the loan amount each month. 

Your loan agreement will stipulate the monthly fees and charges, the total cost of the loan, service fee, and late payment fees. If for any reason you’re having a tough month and will be unable to pay your installment, make contact so that arrangements can be made and you can avoid having to pay additional fees! 

Choose Friendly Finance For Your Quick Loans 

At Friendly Finance, we believe everyone needs help sometimes. We’re committed to providing you that help when and where you need it. 

We meet you halfway and always take your personal situations into account when offering you financial solutions. Responsible lending is important to us, because we care about your financial situation, and we aim to help – not to put you under more pressure. 

Our process is straightforward, all online, and can be done in a matter of minutes! It’s the quickest process around, and you’ll be on your way to having cash in your account to cover those stressful expenses. 

We provide you detailed information without getting too technical. It’s important that you understand exactly what you’re getting into when you sign a loan agreement, and we want you to be happy with the agreement that’s been made. 

We’ve helped customers across Australia to apply for loans that have changed their lives. 


There are already a dozen things that make our daily lives stressful. Urgent, unexpected expenses shouldn’t be one of them! Friendly Finance is all about helping consumers take the stress out of applying for finance. 

Even if you simply want a small amount to treat yourself or your family to something unexpected, quick loans can cover the good things too! Don’t let fear of credit checks, your lack of income, or anything else hold you back – it’s time to apply! 

Legal information

Marketplace Finance Pty Ltd with ACN 608 607 227 and ACL 487316 is trading as Friendly Finance. Friendly Finance does not make finance or credit decisions and is not a provider. Friendly Finance helps customers find financial partners that meet their requirements.Financial partners may wish to obtain credit reports as part of the decision process. The line of credit available will vary depending on the financial provider. In order to help the government fight identity theft, the funding of terrorism and money laundering activities, providers may verify and record customer information. This website does not directly endorse a particular product and service.Any information on this website should be taken as opinion only.

Address: 903 level 9, 50 clarence st, sydney, nsw, 2000. Email:

Disclaimer: Cash Loans Paid In 60 Minutes*
* As advertised - is not a lender or broker and does not advise or recommend any lender. We simply provide options based on the information you provide.
Once you are approved by an actual lender, your loan may be transferred straight into your bank account within 60 minutes of signing the contract during standard banking hours.
The same transfer times could apply on second and subsequent approved loans.
For loan amounts over $3,000 it usualy takes longer than 60 minutes

WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.