Is my personal and financial information secure?

Yes. Your privacy and security are extremely important to us. Our platform uses advanced security protocols, including 128-bit SSL encryption, to protect all personal and financial data submitted through our site .

Can I apply if I have bad credit?

Absolutely. Many of our lending partners consider applications from individuals with less-than-perfect credit. Each lender uses its own criteria, so even if your credit history isn’t ideal, you may still be eligible.

What is the difference between an installment loan and a cash advance?

An installment loan allows you to repay the borrowed amount over a set schedule, typically weekly or monthly, until the balance is fully paid. In contrast, a payday or cash advance loan generally requires full repayment by your next payday.

What information is required for the application?

To complete your application, you’ll need to provide:
• Your full legal name
• Current residential address
• Employment or income details
• Bank account information

How soon can I receive the funds?

If your application is approved, funds may be deposited into your account as soon as the next business day. In some cases, lenders might require additional documents, which could slightly delay the process.

How often can I apply for a loan?

You can apply whenever you have a financial need. However, we encourage responsible borrowing. Short-term loans are best used for urgent, one-time expenses, not for ongoing financial obligations.

What are the eligibility requirements for an installment loan?

While criteria can vary by lender, basic requirements typically include:

• Being a U.S. citizen or permanent resident
• Being at least 18 years old
• Having a job or a steady income (such as Centrelink benefits)
• Meeting a minimum income level (this varies by lender) Make sure your application details are accurate to improve your chances of being matched with a lender

Where can I find my BSB and account number?

Your BSB and account number can be found on your checkbook or through your online banking portal. If you’re still unsure, contact your bank directly for help.

How long do I have to repay the loan?

Repayment terms depend on the lender and the type of loan you accept. You’ll receive a clear repayment schedule with due dates and amounts before you commit

What happens if I miss a payment?

Missing a payment may result in extra fees and could harm your credit score. Every lender has its own policy on late payments, so be sure to review those terms before accepting an offer.