If you’ve found yourself searching for ‘payday loans no credit check instant approval’, make sure you read this first.

When you need cash fast, you don’t always have the luxury of waiting until payday. Whether it is for medical expenses, utilities, or car repairs, these costs can build up quickly if not dealt with. This is where a loan could come in handy. Whether you’re searching for ‘payday loans no credit check’ or ‘payday loans no credit check instant approval’, give this a read before you apply anywhere.

Who can get payday loans?

The need for payday loans isn’t exclusive to those in dire straights. It could be an emergency where, with bad credit on your record, you don’t have time to wait for a traditional lender to approve your loan. Maybe you want a new wardrobe for a job interview, the fridge has suddenly gone bust, or you just want some extra cash for a weekend away. If you can pay it back, why not?

If you’re searching for payday loans no credit check instant approval, you’ve come to the right place. At Pocket Cash, we work hard to find you a lender who can offer a loan best suited to your financial needs, regardless of your credit history. So far, we’ve already helped thousands of people across Australia find the right loan for them.

Read on to find out more about payday loans no credit check instant approval including whether you’re eligible for one and how to apply today.

What is a payday loan?

A payday loan (or ‘cash advance loan’) is an unsecured short term loan for people who need money fast and can’t wait until their next paycheck.

A short history lesson on payday loans

An important reminder — when we refer to ‘payday loans’, we’re actually talking about a short term or small amount loan.

In the past, payday loans were small loans that had to be repaid in full in two weeks or by your next pay. This was the case until 2013 when payday loans were made illegal in Australia to protect consumers from predatory lenders. Now, when the phrase payday loan is used, it typically refers to a short term or small personal loan. There are also strict guidelines around what lenders can charge and how loan repayment terms should be structured, governed by ASIC.

Pocket Cash can help you find a lender with flexible repayment terms that suit your unique circumstances and personal loan requirements. Remember, it’s always important to work with your lender to ensure that repayment terms won’t place you in unnecessary financial hardship.

How fast can I get a payday loan?

When you need cash fast and can’t wait until the next paycheck, spending time looking for lenders and filling in applications is something you may want – or need – to avoid. This is where Pocket Cash might be able to lend a hand with a quick application form that you can fill in from just about anywhere.

With Pocket Cash, you don’t have to worry about multiple long phone calls or going into a branch. Our application form is 100% online and only takes a few minutes to complete. After you submit an application, we get to work finding you a lender as fast as possible. If you submit during our business hours, we will have an outcome on whether we think we can help you the next business day at the latest.

Can I get a no credit check loan?

As a lender-finding service, Pocket Cash does not conduct a credit check. However, if we find you a suitable lender, they may conduct a credit check as part of their assessment process.

Credit score not looking great? Don’t worry! We work with a range of lenders who may be able to look beyond your credit score. They’ll look at your spending habits, income, and financial commitments to get a better understanding of whether you’ll be able to reasonably afford to repay the loan.

How much can I borrow?

We can find lenders offering loans from $300 to $10,000, with repayment terms of up to 24 months. It’s important to note that your repayment terms will depend on the amount you borrow. For instance, the maximum repayment length for between $300 to $2,000 is often 12 months. If you borrow between $2,000 and $10,000, your repayment term will often be between 9 and 24 months. Make sure you check the repayment schedule in the contract your lender sends you, before signing it.

How do I repay my loan?

Repayment methods will vary from lender to lender, but usually, you’ll be asked to set up a direct debit. This way, your loan can be repaid in manageable, predictable instalments, on a weekly, fortnightly or monthly basis.

What happens if I can’t repay my loan?

At Pocket Cash, we understand circumstances can sometimes change in ways we cannot predict or control. Whether it’s sickness, disability, or lay-offs, your expected income can drastically change, without warning.

If your situation changes and you need to adjust your agreed-upon repayment schedule, you should contact your lender as soon as possible. If you give enough notice, they may be able to make changes to your repayment agreement.

Can I apply for a payday loan with bad credit?

If you have a poor credit rating or don’t have one at all, it can sometimes be hard to borrow money from a lender. Traditional banks and loan providers are often unwilling to lend to people with bad credit scores. Or, if they are willing to lend you money, they may not have an offer that comes close to the amount you wish to borrow.

At Pocket Cash, we believe having a bad credit score doesn’t tell us your whole story. This is why we partner with lenders who look at the bigger picture. We can match you with lenders who will focus on your income, spending habits, and financial commitments — rather than just your credit score. As long as they can determine you are in a position to repay the loan, a bad credit history won’t be the be-all, end-all when applying for a payday loan.

Can I apply for a payday loan if I’m on Centrelink?

At Pocket Cash, we believe receiving government benefits shouldn’t stand in the way of you borrowing money. As long as you meet the application criteria — including providing a bank statement showing income from the past 90 days — we’re happy to find you a lender. Before offering you a loan, lenders will conduct an assessment to ensure the loan they offer you is affordable and suitable for your situation.

No matter what your financial or employment situation is, if you require payday loans no credit check instant approval, Pocket Cash is here for you.

Am I eligible to apply for a payday loan?

We have a list of eligibility criteria you’ll need to meet before you apply for a payday loan. To be eligible to apply, you need to:

• Be 18 years of age or over;
• Be an Australian citizen or resident;
• Have received a regular income into a personal bank account for at least 90 days;
• Have a direct contact number;
• Have an email address.

What do I need to apply for a payday loan?

If you’re thinking about applying for a payday loan no credit check instant approval, you’ll be required to submit some documentation. Here’s what you’ll need to provide:

• 100 points of ID (name, D.O.B., etc.)
• Contact information
• Internet banking details
• Your MyGov account details (if you receive Centrelink benefits)
• Employment details and contact information
• The reason you’re applying for a loan

We know this might seem like a lot of information. Don’t worry though, our lenders employ well-trained operators who will never disclose any of your personal information or application details to your employer.

How to apply for a loan: 5 steps

At Pocket Cash, you can apply using our form 100% online. To apply, follow the easy steps below:

Step 1: Apply online

To get started, scroll up to the top of the page and use the slider to choose how much you want to borrow and the repayment period. Click ‘Apply now’.

Step 2: Fill in an application

The next step is to fill in the application form. We like to keep things simple so the form should only take a few minutes to complete. It’ll require only a few details from you and any relevant documentation.

Step 3: We’ll look a lender

Once you submit your application, Pocket Cash looks for a suitable lender. If we find a lender, we’ll pass on your details to them and they will get in touch with you. As part of the lender’s application process, they may conduct a credit score check and a look at a read-only copy of your bank statements.

Step 4: Sign your contract

If you’re approved for a loan, you will be sent a contract to sign. Before you sign it, make sure you have a read over it including the terms and conditions of the agreement. If you have any questions or concerns about your contract, please don’t hesitate to get in touch with our team.

Step 5: Receive your money

After the lender receives your signed contract, they’ll transfer the funds. If you have an NPP-enabled bank account, the cash could land in your account ready to use within 60 seconds.

What are instant approval loans?

It’s important to point out that any lender should do their due diligence before offering anyone a loan, to ensure that the borrower can reasonably afford to repay their loan without getting into unneeded financial difficulty. Now, this means that instant approval loans may not be possible.

If speed is of the essence, you can look out for is a lender offering instant payments. Some of the lenders we work with are able to transfer funds to borrowers in just 60 seconds, once their application has been approved and contracts have been signed. That’s the work of NPP-enabled bank accounts!

Want quick cash loans? Apply now and let us look for a lender – fast.

How does Pocket Cash find lenders?

At Pocket Cash, we like to do things differently. Gone are the days of waiting weeks for your personal loan to be approved. Instead, our team makes it simpler than ever to apply for the cash you need when you need it.

There are a lot of online lenders who will try to entice you with promises of ‘no credit checks’ or ‘instant approval’. If you ever do come across an offer that sounds too good to be true, then it probably is. This is why your first step should be looking for a lender who adheres to the codes of responsible lending. Or, turning to Pocket Cash to help you find a lender!

At Pocket Cash, we pride ourselves on being transparent and honest with our customers. When you submit an application with us, we’ll work to match you with a compatible lender as quickly as possible and, if we can’t help you, we’ll let you know.

Why choose Pocket Cash?

If you’ve been searching the web for payday loans no credit check instant approval in Australia, you have probably spotted many companies promising quick cash. We don’t blame you if trying to choose the right lender for you can be confusing at best. When they all look much the same, how do you know which lenders you can trust? Which one is most likely to approve your loan?

This is where Pocket Cash comes in and takes care of the hard work for you. You tell us what you’re after and we’ll do our best to quickly find you a loan from a lender provider we work with.

Want to know more? Here are just a few reasons why you should let Pocket Cash find you a loan:

It’s free!

That’s right — we won’t charge you for our service. When you’re searching for things like payday loans no credit check instant approval, you likely need a quick outcome and minimal costs. While we don’t advocate payday lenders, we do know how to find quick outcomes.

With Pocket Cash, you are under no obligation to pay a lender anything until you sign an agreement with a loan provider.

100% online service

Our service is completely online. This means no long phone calls or having to attend interviews in-person. Our simple application form takes just a few minutes to complete. Once submitted, our team will endeavour to find you a lender as soon as possible. If a suitable lender is found, we will pass on your details to them and they will email you for further information.

Seriously fast outcomes

When you need money fast, waiting around to hear whether you’ve been approved or not can be stressful. As such, when you apply for payday loans no credit check instant approval at Pocket Cash, we’ll work hard to give you an answer as soon as possible.

Submit an application within normal business hours and we will do our best to find you a lender that same day. If you apply outside of our regular business hours, we’ll have a response for you on the next working day.

Once we’ve put you in contact with a lender, the ball is in your court. You can either accept or reject their loan offer — the decision is yours. Have a careful read through the terms and conditions of the agreement they are offering you and, if you don’t like it, you are free to refuse the offer. You are under no obligation to accept the loan until you’ve signed an agreement. However, if you do accept and sign a loan offer, your money could be in your account within days.

So, when it comes to payday loans no credit check instant approval, you can guarantee we’re among the quickest.

Top-notch security

You shouldn’t trust just anyone with your financial details when applying for payday loans no credit check instant approval.

Pocket Cash aims to match you with lenders who comply with responsible lending practices to ensure the security of your personal information. Your privacy is paramount to us and we will only ever share your information with the lenders you are applying to.

Plus, we use international online security providers, McAfee and Comodo, to ensure maximum data security.

Customer satisfaction is everything to us

At Pocket Cash, we put our customers first. Our number one priority is to get you the payday loans no credit check instant approval you need, from a trusted lender. If you’re not happy, then we’re not happy.

Total honesty. Total transparency.

When you find payday loans no credit check instant approval through us, there are no hidden charges or clauses. All of our trusted lenders are required to be completely transparent. They must fully disclose interest rates and repayment terms before asking you to sign a contract.

Ready to apply?

We hope you have all the information you need to make an informed decision about whether or not a payday loan no credit check is right for your financial circumstances. If you’d like to find out more, head over to our FAQ page for further information or get in touch with our friendly team. Otherwise, you can go ahead and get started with your online application at Pocket Cash today.