Utility bills piling up? Had a health emergency? Or simply in need of a little pick me up? We know how quickly everyday expenses can pile up. Fortunately, Pocket Cash could help you find lenders offering same day cash loans in no time!

In need of same day cash loans?

We work with a range of lenders who may be able to offer you same day cash loans when those nasty situations pop up out of nowhere. We can help you find loans between $2,100 and $10,000 – suited for any need or situation. Our team makes the process super simple. Our application is 100% online, paperless and fast. Say goodbye to the days of waiting in line at the bank, or weeks to gain approval for a personal loan. Turn to Pocket Cash instead and you could have an outcome before you know it. Read on to find out how you could have the cash much sooner than you think!

Pocket Cash & Same Day Cash Loans

Before we delve further into same day cash loans, we thought we’d introduce ourselves first. We are Pocket Cash, an online lender-finding service that Aussies are turning to for help on their journey to find affordable loan services. In a nutshell, we’re here to help you find the right lender for your personal situation. Time is money and we know that time seems to be the one thing we’re all running short of these days. The world is fast and chaotic – but your finances don’t have to be. Think of us as that helpful little friend in your pocket who is there to support in your quest to find a lender when times are tough.

What is a personal loan?

As far as financial products go, personal loans are pretty straightforward. A personal loan means you are borrowing a specific amount of money, which you then have to repay with interest over an agreed fixed term. The rate of repayment is established and usually set over the term of the loan. Repayments on a personal loan are usually in the form of direct debit. That means the repayments are deducted from your account on an agreed-upon schedule.

Wondering where you could get a personal loan? There are a number of different options when it comes to finding the best personal loan for your individual circumstance. Many consumers turn to the more traditional forms of lenders like banks or credit unions. However, there are other options out there. In recent years, there has been a shift toward online lenders for personal loans. Online lenders can provide personal loans much quicker than traditional lenders – meaning you get the cash you need when you need it, without the hassle.

At Pocket Cash, wee work to match you with sub-prime lenders who may be able to say yes to a less-than-perfect credit score.

Is getting a personal loan a good idea?

For some people, perhaps. However, everyone’s financial situation is different. In a nutshell, they’re safe and quick, which is ideal for anyone in need of urgent or emergency cash. The best advice we can give is to choose a lender that is right for your personal circumstances. There are a variety of options out there, so it’s essential that the lender you choose is going to do the right thing by you.

There are a lot of online lenders who will entice you with promises of ‘no credit checks’ or ‘instant approval’, we recommend you keep your wits about you. If you ever do come across an offer that sounds too good to be true, then it probably is. Which is why your first step should look for a lender who adheres to the code of responsible lending Or? Turn to Pocket Cash to help you find a lender!

How can Pocket Cash help you find a lender?

At Pocket Cash, we’re shaking things up. Gone are the days of waiting weeks for approval on a personal loan. Our team makes it simpler than ever to get the cash you need when you need it.

At Pocket Cash, we won’t just tell you what you want to hear. We pride ourselves on being transparent and honest with our customers. When you submit an application to Pocket Cash, we’ll work to match you with a compatible lender as quickly as possible. You won’t need to fill out pages of paper forms or wait in queues as long as the Nile River. All you need to do is fill out our speedy online application form which, you guessed it – can be done from the comfort of your own home.

Do our lenders do credit checks?

The answer is, generally, yes. We work with a wide range of reputable and responsible lenders which each have their own specific assessment processes. Some may conduct credit checks. The lender we potentially match you with will likely conduct a credit check when you apply for a personal loan. However, this won’t be the only piece of information they will base their assessment on. Remember, we will always do our best to match you with a lender capable of giving you the cash you need to suit your situation.

Can I get a same day loan with bad credit?

Does the phrase ‘credit check’ make you cringe? Don’t worry, you’re not alone. Lots of Aussies are afraid their bad credit score automatically rules them out from getting a loan. Fortunately, Pocket Cash can help you find lenders willing to provide bad credit loans. Instead of assessing your application solely on the grounds of a credit check, we can match you with a lender who may look past your less than perfect score.

At Pocket Cash, we believe having a bad credit score doesn’t come close to telling us your whole story. This is why we strive to partner with lenders that look at the bigger picture.
We can match you with lenders that 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 end-all.

Can I really get a same day loan?

In the past, bank-to-bank transfer times were too slow to accommodate instant payouts. Yet the recent introduction of the New Payments Platform (NPP) has enabled many lenders to get cash in accounts quicker. As a result, it really is possible for you to get a same day cash loan!

If you choose to apply with Pocket Cash during AEST business hours, then you could have an outcome on your application within 60 minutes. While we can’t guarantee the lender we match you with will be able to provide an instant loan, we can assure you they will do their best to conduct speedy assessments so you get your cash ASAP.

Once approved for a loan, if your bank account has NPP-enabled payments, you should receive your cash instantly. However, you will need to double-check this with your lender and your bank. You can find out if your bank has NPP-enabled payments by looking them up here.

Can I get a cheap personal loan?

Are you looking for a cheap personal loan? It is important to remember that every financial situation is different and, therefore, every personal loan is different. Pocket Cash can not guarantee we will match you with a lender that provides cheap personal loans. We don’t promise anything we can not absolutely provide. However, we will submit your loan application to a variety of different lenders and get back to you with the best possible rate. At Pocket Cash, we partner with lenders who offer competitive deals on personal loans.

Am I eligible for a same day loan?

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

• 18 years of age
• have an active mobile number and email address;
• able to prove you are an Australian citizen or permanent resident;
• have been earning a regular income for the last 3 months;

If you meet this criteria, then you’re eligible to apply for our same day loans!

What information do I need to provide?

More good news – our application is super simple and quick. That means no unnecessary documents and paper forms. You just need to fill out a few important personal and financial details. We’ll pass the necessary documents on to our lending partners. Here’s what you’ll need to show us:

• 100 points of identification
• Internet banking credentials
• myGov account details (if you’re receiving Centrelink)
• Employment details and employer contact information

How do I apply for same day cash loans?

Submitting an application with Pocket Cash is easy, stress-free and 100% online! We’ve provided you with some quick, simple steps on how to do this:

Step one: Submit an online application

To start your application, simply scroll up to use our loan calculator and select your desired loan amount. Once you are happy with your loan terms, click the Apply button and you’re on your way! It’s that easy.

Step two: We’ll submit your application to lenders

That’s it from you! We’ll take over from here. Once we’ve received your application, we will do our best to match you with a compatible lender. If we have found you a suitable match Pocket Cash will put you in touch with your new lender.

Step three: Review and sign your contract

If our team has been able to match you with a lender, congratulations! We’ll then send you an electronic copy of your loan contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!

Step four: Get your cash!

Your new lender will transfer the cash straight to you. If your bank is NPP or Osko enabled, you could get the cash in your account, in just 60 seconds. Otherwise, payments will generally transfer overnight or the next business day. Payments sent after business hours will take an extra day.

Will my lender do an employment check?

Yes, when you apply for a same day loan, most of our lenders will conduct an employment check. But, no need to stress! This is simply a routine part of the loan assessment process. Our lenders just want to confirm some details. Pocket Cash partners with lenders who are professional and reputable, that means you will never have to worry about the security of your information. None of your personal details will be disclosed to your employer, including the reason why you are applying for a personal loan.

Why do I need to provide my online banking details?

We know, it sounds scary providing your online banking details. But there’s no need to stress! Our lending partners will use your online banking details to obtain a read-only copies of your bank statements – no one will ever be able to access your real bank account. Bank statements give our lenders a better idea of your spending habits, income and existing financial commitments, in order to determine whether or not you will be able to repay a personal loan.

Pocket Cash’s lending partners use the latest in safe banking technology to ensure your information is always encrypted. Your security is always the top priority!

Ready to apply?

We’re hoping you now have all the information you need to make an informed decision about whether or not same day cash loans are right for you. If you still have more questions, check out our FAQ page or send us a message, here.

Otherwise, go ahead and scroll to the top of this page to get started with your online loans application!

Wondering how you can get a quick loan with bad credit? Click here to find out more

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