Quick Loans Online

It is near impossible to plan for all of life’s circumstances. You could have a perfectly organised financial plan for the next 10 years and a strict budget but situations arise when you just need money fast. Whether it is because of a health emergency, an overseas trip or any other personal reason, a quick cash loan online is one of the fastest and easiest ways to get the money that you need.

Because Next Payday operates online, our entire application and approval process occurs digitally, meaning you can get your money within minutes of approval.

Generally, quick cash loans are short-term agreements of cash between $200-$1600 for up to 61 days or more and repayment is easy! Next Payday loan repayments can be scheduled automatically to match your pay cycle, ensuring that equal, consistent amounts are being transferred to your repayment. You can tailor your repayment schedule to best suit your pay cycle in order to least impact your budget.

Due to current legislation, rates between cash loan providers vary very little within Australia, so you can rest assured that you won’t be charged exorbitant interest rates. We offer an establishment fee of 20% and a monthly fee of 4%, with no nasty surprises. However, what does vary is between lenders are the fees charged, the time periods credit is extended for, repayment scheduling and repayment collection. So ensure that you are well versed in a quick cash loan provider’s policies.

At Next Payday our aim is to help our customers meet their repayments in the easiest, fastest and most economical way possible, which is why we use direct debit payments on your payday. If for some the direct debit is unsuccessful, a repayment amount a $35 fee is charged in order to cover the cost of associated bank fees, direct debit fees and the cost of rescheduling. However, if you make your repayment within 48 hours this fee will be waived. This way, costs to our customers are as minimal as possible, allowing them to follow a manageable repayment plan. If you are suffering hardship and finding it difficult to meet your repayments it is best to contact us immediately to develop a more manageable payment plan that suits you and your unique situation.

In order to comply with our responsible lending obligation, we review a potential customer’s financial situation in order to ensure that you are able to make regular repayments and don’t suffer any undue hardships that make loan repayments burdensome and difficult. However, this screening process is dependant on the information that you provide, so as to avoid receiving a loan that you cannot repay, and risk longer-term issues, make sure you provide accurate and correct information during the application process. Quick cash loans are limited to Australian residents, over 18 years of age that are employed with a regular stream of income and not receiving the majority of their income from Centrelink benefits.

For discreet, private and totally online cash loans that can be approved and received in a matter of minutes, apply to Next Payday today!

What is a Quick Loan Online?

Sometimes you need money, quickly and you may feel awkward speaking to family and friends about your finances. That’s when a quick online loan comes in.

An online loan is normally a small, unsecured cash loan less than $1600 and repayable over a short period of time. Generally the repayment period is approximately 4 weeks, however, a repayment plan can span over 12 months. Next Payday operates completely online, so your application and approval can be completed in a matter of minutes. Depending on your banking institution funds can be transferred to your institution in under 60 minutes, however, it is up to your bank’s policies to dictate when you actually receive the money. This can be minutes or days depending on the bank.

As a responsible lender Next Payday conducts a review of potential customer’s transactions from the past 90 days, as well as an identity check and certain financial enquiries that ensure you are able to make regular and manageable repayments. However, if your financial or lifestyle circumstances change contact us in order to find the best solution for your repayment plan.

An online loan is a quick and discreet way to access smaller amounts of money fast!

Where can I get a Quick Loan Online?

If you type ‘quick loan online’ into any search engine you are bound to find hundreds of results. But how do you know which lender to choose from with so many options available?

Well, in Australia government legislation has capped the interest rates that online lenders are able to charge customers but this doesn’t mean that all lenders are created equal. While they are not able to raise interest rates for loans there may be hidden fees and charges that some lenders have that can add up and make your loan repayment almost impossible.

Also consider the repayment plans that different lenders offer, some clearly outline a rigid schedule whilst others barely mention one. Both of these are not ideal as each individual has unique financial capabilities, income dates and financial goals. Find a lender that allows frank conversation regarding the most beneficial repayment plan for both parties.

Next Payday offers a range of different quick online loans that are discreet and flexible, allowing our customers to meet their financial goals while in their repayment process. With the application and review process done online, you can get approved for a loan in a matter of minutes and depending on your financial institution receive the money in even less time.

Nextpayday offers fast, online cash loans up to $1600.

QUICK LINKS

NextPayDay, (MoneySpot Finance Pty Ltd), Ground Floor, 483 Riley Street, Surry Hills 2010