Questions And Answers

Q: How much can I borrow?

A: Most lenders minimum loan is $200, but for repeat customers they may lend up to $1500. We use multiple lenders who have different criteria, so lending amount depends on the lender who accepts your application.

Q: How quickly can I get the money?

A: Most lenders 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: The lenders 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, our lenders carry out a credit check as part of our assessment of your application. However don't worry if you have a default – most payday lenders approve cash advances for applicants with black marks on their credit history. The 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, lenders 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: Lenders know things change and your circumstances may be working against you. You would need to contact the lender to work out payment arrangements.