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Q: How does the application work?A: Your application can go to 4 different lenders, if the first lender rejects your application, it will go to the next and so forth. All this happens in seconds, you will have a better chance of getting a loan this way from one of our lenders.If your application is accepted, the payday loan documents will be forward to you by email for your consideration. Payment schedule, costs and charges will be itemised. Q: What are your cost charges? A: As we use 4 different payday lenders, charges vary slightly from lender to lender. Example of one of our payday lenders charges are: For every $100 borrowed you are charged a fixed fee of $36.50 Q: Is my information safe A: Yes we use 128-bit ssl secured application page, meaning all data sent and recieved is encrypted Q: How much can I borrow? A: Minimum loan is $200, but for repeat customers can get up to $1000 depending on our lender. Q: How quickly can I get the money?A: The lender will process your application and send the money all within one working day. Most bank transfers take a matter of hours if your bank accepts 'fast payments', then the money can be deposited the same day. Q: How will I get my money?A: The loan is always paid directly to your bank account, you can then get access to it as normal. Q: Can I apply?A: We only have a few basic requirements. If you are over 18, are in full time employment, earn over $1000 a month, and can afford the repayments then you are likely to qualify. Q: Do you credit score my application?A: Like most lenders, we carry out a credit check as part of our assessment of your application. However don't worry if you have a default – some of our lenders approve cash advances for applicants with black marks on their credit history. Our policies are very different to those of mortgage lenders and banks. Q: Can I have more than one Payday loan at the same time?A: No, we ask that you only ever have one loan at any one time. Because we are a responsible lender, we need to make sure that you can affordably pay back your loan. Q: What if I think I might have problems paying?A: We know things change and your circumstances may be working against you. Best to let the lender know if you are having problems. FINANCIAL HEALTH WARNING
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