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Personal Loans - $400 - $45000 - Bad Credit

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Personal Loans - $400 - $45000 - Bad Credit

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Personal Loans - $400 - $45000 - Bad Credit

Cash within 24 hours

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ELIGIBLE BORROWER

WHAT WE DO AND WHAT WE OFFER

A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer’s next payday(This can be extended if required).
*If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit.
Personal Loans - $400 - $45000 - Bad Credit

What is a personal loan?

A personal loan is a type of loan that is issued by a bank or other financial institution to an individual borrower in Australia. Personal loans can be used for a variety of purposes, such as consolidating credit card debt, financing a home improvement project, or paying for a major expense, such as a wedding or a vacation.

Personal loans in Australia typically have fixed interest rates and fixed monthly payments, which makes it easier for borrowers to budget for their monthly loan payments. They are generally unsecured, which means that the borrower does not have to provide collateral, such as a car or a house, to secure the loan.

If you are considering taking out a personal loan in Australia, it is important to carefully research your options and compare offers from different lenders to find the loan that best meets your needs and financial situation. You should also make sure that you understand the terms and conditions of the loan, including the interest rate, fees, and repayment schedule, before you agree to borrow the money.

In Australia, personal loans are regulated by the Australian Securities and Investments Commission (ASIC), which sets rules and guidelines for lenders to follow to ensure that consumers are treated fairly. You can learn more about personal loans and the regulatory framework in Australia by visiting the ASIC website.

What can you use a personal loan for?

A personal loan is a type of loan that can be used for a variety of purposes. Some common uses for personal loans include the following:

Consolidating credit card debt: Personal loans can be used to pay off high-interest credit card debt by consolidating the balances onto a single loan with a lower interest rate. This can make it easier to manage your debt and save money on interest charges.

Financing a home improvement project: Personal loans can be used to pay for home improvement projects, such as remodeling a kitchen or bathroom, adding a deck or patio, or upgrading to energy-efficient appliances.

Paying for a major expense: Personal loans can be used to pay for major expenses, such as a wedding, a vacation, or a medical procedure, that may not be covered by your regular budget.

Covering unexpected expenses: Personal loans can provide a source of funds to cover unexpected expenses, such as a car repair or a medical emergency, that you may not have planned for.

Funding a business venture: Some people use personal loans to fund a new business venture or to expand an existing business.

These are just a few examples of how personal loans can be used. The specific use for a personal loan will depend on the individual borrower’s needs and financial situation. It is important to carefully consider your options and make sure that taking out a personal loan is the right decision for you before agreeing to borrow the money.

What type of personal loans are there in Australia?

In Australia, personal loans are offered by banks, credit unions, and other financial institutions. There are several different types of personal loans available, including the following:

Secured personal loans: These are personal loans that are backed by collateral, such as a car or a house. Because the lender has the right to seize the collateral if the borrower fails to repay the loan, secured personal loans typically have lower interest rates than unsecured loans.

Unsecured personal loans: These are personal loans that are not backed by collateral. Because the lender does not have the right to seize any assets if the borrower defaults on the loan, unsecured personal loans typically have higher interest rates than secured loans.

Fixed-rate personal loans: These are personal loans with a fixed interest rate that remains the same throughout the life of the loan. This can make it easier for borrowers to budget for their monthly loan payments, as the amount will not change over time.

Variable-rate personal loans: These are personal loans with an interest rate that can change over time, based on market conditions or other factors. This can make it more difficult for borrowers to predict their monthly loan payments, as the amount may fluctuate.

Personal overdrafts: These are personal loans that are linked to a checking account and allow borrowers to access funds up to a pre-approved limit. Personal overdrafts can be useful for managing short-term cash flow needs, but they typically have higher interest rates than other types of personal loans.

Line of credit personal loans: These are personal loans that allow borrowers to access funds up to a pre-approved limit and make repayments as needed. Line of credit personal loans can be useful for managing ongoing expenses, but they typically have higher interest rates than other types of personal loans.

The type of personal loan that is right for you will depend on your specific needs and financial situation. It is important to carefully research and compare your options before deciding which type of personal loan to apply for.

Pay Advance loans can help get access to your salary before your payday, which can be handy in an emergency

Bad Credit Loans are available if you don’t have a squeaky clean credit file.

Wallet Wizard is one of the leaders in this field.

Cigno Loans are currently unable to provide any loans at this time.

Frequently asked questions

(CLICK TO OPEN)
Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours
Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.
Yes you can. Your credit score does not always play a factor in most of our lenders decisions.

The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.

Please speak directly with your lender if you have any issues paying back the loan.
Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

OUR SERVICES

Personal Loans - $400 - $45000 - Bad Credit

What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

Personal Loans - $400 - $45000 - Bad Credit

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you submit the application.

Personal Loans - $400 - $45000 - Bad Credit

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Personal Loans - $400 - $45000 - Bad Credit

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

Personal Loans - $400 - $45000 - Bad Credit

How It Works

If you have a cash flow problem iWantPayday.net is your best solution. A simplified application and quick approval are the cornerstones of our payday loan process.

Personal Loans - $400 - $45000 - Bad Credit

Is my personal information kept secure?

We use the most up to date and technologically advanced equipment and software to protect your privacy.

HOW TO APPLY FOR A LOAN

Eligible Borrower:

WHAT WE DO AND WHAT WE OFFER

A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer’s next payday(This can be extended if required).
*If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit.

Before you get started

iWantPayday.net owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device.

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral.

It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

We work with a number of lenders including, Swoosh Finance, Cash Convertors, Fair Go Finance, Max Finance and many others.

IWANTPAYDAY.NET SIMPLY HELPS YOU GET THE LOAN THAT YOU NEED

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Disclaimer: iwantpayday is a trading name of Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

We are a referral service only and we do not recommend a particular credit contract or specific credit contract. We work with multiple lending partners. Once you have been referred to a lending partner, they will assess your new application, provide you with a credit contract that they have assessed is not unsuitable for you and contact you with regards to the outcome of the application. The lender will appraise you of their fees, charges and terms before you would enter any contract with them. We may receive a referral fee (amount not ascertainable but may range from $5 to $2000). It is recommended that you obtain independent legal and financial advice before taking up any financial products.*Rates and loan terms on this website are indicative only. We work with lending partners that can take 60 minutes, not all lending partners take 60 minutes. We work with lending partners that payout loans as soon as your contract is signed, not all lending partners payout loans as soon as your contract is signed. When you receive your funds will depend on the financial institution that you bank with. We do not conduct a credit check. Lenders that we work with may perform a credit check. A lender will never perform a credit check without your consent.