There is no shortage of companies in Australia today offering quick cash online and the legitimacy of most of them can’t be questioned and most of them are one hundred per cent trustworthy. Should you be need fast access to same day online cash loans you should always ensure you feel comfortable doing business with any company you select.
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1. QUICK LOANS - WHERE CAN I GET QUICK
CASH?
Fast cash loans are what they say they are, fast money loans.
Instant cash loans are also known as quick cash loans. But how
expensive are they?
3. WHAT DO YOU DO WHEN YOU NEED THE CASH FAST?
There you are sitting at home relaxing
on a Sunday afternoon trying to figure
out where all of your money went after
one of the most exciting weekends that
you have ever had. Then an uneasy
feeling will creep over you and start to
wind up your stress levels as you
realize you don’t have enough money to
see you through to the next pay day. Is
there such a thing as a cash loans
online weekends option?
Yes there is, nevertheless if you are hoping to get a quick online loan
payout, that lets you get your hands on the amount of dollars you’re going to
need this very minute, you will have to do your homework in order to make
certain that you are engaging with a company that can actually deliver those
kinds of capabilities.
4. When trying to access this type of loans online service it’s important that
you check beforehand that your loan application request may have to be
applied for in advance for you to be able to access the amount of cash
you want over the weekend – to avoid disappointment it’s wise to check
prior to applying, regardless of whether these service’s were advertised
by any company.
Following are helpful guidelines that will bring you up to speed on how
these processes work prior to you jumping on board with just any old
company offering a cash loans online weekends service.
5. HOW DOES ONE MAKE APPLICATION FOR A WEEKEND
LOAN?
Making sure you receive your cash by the weekend can mean
submitting a completed application before the cut-off deadline. The
following information outlines what requirements you will need to fulfill.
Qualifications:
The following can vary from lender to lender and to save time you may
want to check these requirements in advance of making an application.
Normally the following will apply:
• At least18 years of age
• Be earning a regular stable income
• Have Australian citizenship or be a permanent resident
• Own an established bank account
6. Documents:
• IDentification:
You need to have a photo ID, like a current driver’s license or if you don’t have
that, then a proof of age card will suffice. Other substitutes can be a Medicare card
or a passport.
• Bank statements:
Most lenders will want to see your past 90 days of personal bank statements.
Although, there are now a number of loan companies who will ask for your logins
so they can view the statements online don’t forget to (change your password
afterward).
• Employment and Income:
They will want to see pay slips to confirm you are employed, what you earn and
how often you get paid. Should you be receiving Centrelink income, check with the
lender in advance to see if this is acceptable income for servicing their loans.
• Loan specifics:
The loan company will want to know up-front exactly how much you want and over
what time period you intend to pay it back.
7. WHAT OPTIONS ARE AVAILABLE FOR WEEKEND SAME
DAY ONLINE CASH LOANS?
Should you need some fast cash then a
cash loans online same day service could
be a convenient (but expensive) option
worth considering. Enterprises promoting
these short term loans have access to a
specialized electronic loan application
platform that enables them to forward
cash to customers outside of normal
business hours including during
weekends.
An additional possibility that is worth contemplation is physically fronting up
to the store of a fast cash short term lender. This category of lender
operates out of physical stores where you go to submit your application
which they can quickly process and give you the cash right away if you’re
approved.
8. However, finding one at a convenient location on the weekends can
sometimes be a bit of a challenge as there usually are not a lot of
these establishments open on the weekends.
This is why same day online cash loans are becoming more popular
because of their convenience and speed.
9. ESSENTIAL INFORMATION YOU MUST KNOW ABOUT
WEEKEND CASH LOANS
There is any number of operations out there nowadays who are offering
weekend cash loans online. Therefore, before you apply with any one
lender it’s usually a very good idea to research and compare the available
options in advance. Here are a few questions you ought to ask yourself
when assessing the available options:
What rates and fees can be charged?
Don’t overlook and brush this off in your haste to get the cash. When you
are comparing weekend cash loans it can be a very important factor. Fast
cash lenders (who offer $2,000 or less) have restrictions on what amount
they can bill customers when it comes to their various fees and charges,
the maximum monthly interest rate they can charge is 4% of the principal
amount borrowed, and 20% of the initial loan amount as an establishment
fee, which is added to the loan amount on which interest is then calculated
10. Over what time periods to I have for repaying the
loan?
Most lenders will; align the payback period based on the frequency of
when you get paid whether that be weekly, fortnightly or even monthly.
However, there can be some flexibility based on individual
circumstances and your ability to fulfill the terms requested
How soon can I get the cash?
It’s a good idea to check in advance with any lender you want to deal
with what their turnaround times are going to be to avoid any
inconvenience as they can vary depending on their work load at the time.
11. THE IMPORTANCE OF UNDERSTANDING THE LOAN
APPLICATION PROCESS
Depending on whether you decide to
physically go to a fast cash loan store
or make an application online can
make a difference in the application
process. The advantage of same day
online cash loans is you can o it from
the convenience and privacy of your
own home.
Additionally, most of the lenders
offering online service’s can approve
your application and the funding of
your funds on the same day, some
within a couple of hours.
12. With any cash loans online weekends service you can usually rely on
receiving a very fast process after the loan company you have
accessed has had the chance to review and approve your
application.
With a weekend short term loan you can expect a swift process,
followed by the lender reviewing your application and providing you
with a response on the same day.
13. ARE YOU DEALING WITH A RELIABLE COMPANY?
There is no shortage of companies in Australia today offering quick cash
online and the legitimacy of most of them can’t be questioned and most
of them are one hundred per cent trustworthy. Should you be need fast
access to same day online cash loans you should always ensure you
feel comfortable doing business with any company you select.
Nonetheless, as has been demonstrated in the past that the financial
service’s industry is no different from any other industry where you will
always find a few predatory operators. In the financial online space there
will always be some opportunistic pirate looking to find some sucker who
is desperate to get their hands on some fast cash in a hurry.
14. These predatory companies will try slapping
customers with outrageously high rates of
interest, insane repayment schedules that will
penalize them almost before they even have
the chance to get out of the gate.
Essentially, anyone looking for an online loan
weekend pay out service are generally looking
to get their cash request straight away and it’s
usually in this type of lending environment
where the predatory loan sharks are likely to
lurk.
That said, it behooves anyone that is not familiar with any company they are
contemplating doing business with that they to their due diligence and carry
out enough research to convince themselves that they are dealing with an
enterprise that is on the up and up.
Otherwise, for the sake of getting some fast cash on a Saturday or a
Sunday you could very well be setting yourself up for catastrophic failure
and a paralyzed financial future.
15. A GOOD TIP IS TO GET YOUR APPLICATION DONE MID-
WEEK
Even fast cash online lenders who are
offering weekend fast cash loans are
going to suggest that you get the
application process underway as soon as
possible, and preferably that you get it
started during the normal course of
business hours within regular work week
days.
Keep in mind that these companies also
have to do their due diligence on you, so
they need the opportunity to go over your
financial profile before they can
responsibly okay your loan application.
16. After that, they also have to get the transfer of funds into your bank
account set-up in advance of the weekend. Planning, will guarantee
that your much-needed cash is going to arrive in a timely manner, as
opposed to trying to search for loans online after the weekend has
arrived, because your application may or may not get processed by
weekend skeleton staff.
Of course with the hectic pace of life these days it’s not always possible
to take time out to submit an application in advance in anticipation of
getting a payout by the weekend. Nonetheless, you would have to be
just a bit foolish not to exactly that if you had the opportunity to it.
17. BESIDE LOOKING FOR LOANS ONLINE WHAT OTHER
OPTIONS TO I HAVE?
When you’re caught short before the weekend, there are a few roads
you can take to help cover you until your next payday. The option you
choose will depend on your financial circumstances, the amount you
need to borrow, and your ability to pay back the loan. Here are some
financing choices you have available to you:
Should you be short of cash coming into a weekend and have to resort
to looking for loans online so you can get instant approval can be a
tempting and convenient way to go, however there may be less
expensive choices available. Options available to you will depend on
individual circumstances, how much you want to borrow and your
capacity to repay the loan on time.
18. Credit cards
Should you have access to a credit card, although still expensive, in most
instances it will be a cheaper alternative to looking for loans online.
Nonetheless, keep in mind you should still consider having a repayment
exit plan ready if you to use this option as you don’t want to fall foul of the
dreaded credit card debt trap. Should you not already have access to a
credit card it should be kept in mind that applying for one and receiving it
is a process that can take a few days and sometimes weeks-
Same day online cash loans
As we have already been discussing, these are small loans that you can
usually get approved for instantly as long as you can meet a few simple
criteria. Enterprises offering these service’s can normally approve you and
send you the money you requested on the same day. Keep in mind
though; this is usually the most expensive road to follow. That said, most of
these lenders will also consider borrowers who have an impaired credit
history.
19. Personal loans
Should you have a good credit score you might find that your bank may
consider giving you a same day personal loan. Check it out as that product
will give you the cash you want at much cheaper rates than the online fast
cash variety
Overdraft account
Most major banks are now offering overdraft facilities up to $1,000 which
can be attached to your regular chequeing/savings account. This type of
facility can be set up quickly and will allow you access to extra cash when
you find yourself short up to a predestined limit. It will be there for you in the
event you have a need for emergency funds and there are no fees or
charges until you actually make use of the facility
Friends and family
If they don’t think you are going to embarrass them or yourself, friends or
family may be a viable source of cash to get you out of a tight spot and avoid
expensive loan options.
20. WHAT TO CAREFULLY CONSIDER WHEN IT COMES TO
WEEKEND LOANS
Fast cash loans online or otherwise are short term loans that are
designed to be paid back quickly and should only be used when you
have a genuine emergency and simply no other options available to fall
back on. They are not designed to be long term loans and should only
be accessed when you know you will have the resources to pay them
back on time.
Weekend cash and fast cash loans to offer fast and convenient service,
nonetheless they don’t come without an expensive price tag. It is
prudent to take the time (regardless of the urgency) to thoroughly assess
the rates and fees that are listed to be charged to the loan you are being
offered before you make an application.
Carefully calculate what your repayment obligations will be and with a
clear head, figure out if you can really afford to make the required
repayments. Take into consideration first any other ways open to you to
get the cash you need and leave same day cash loans as the last resort.
21. IS THE CASH GOING TO BE THERE BY THE WEEKEND?
Depending on what weekend cash option you choose turnaround times
can differ.
Credit cards:
The turnaround time is instantaneous
should you already own a credit card.
You can use it to make weekend
purchase or withdraw cash from any
ATM. Nonetheless, go easy and don’t
spend beyond your financial means as
the interest rates on cards are still
pretty hefty
22. Fast cash weekend loans:
Most fast cash lenders now provide online access, allowing customers to
make an application in mere minutes. Once a loan has been approved most
customers will find that they will receive the cash they want that same day.
Should you be need the money faster than that you can find online lenders
that can get the money to you in a couple of hours or even less. However,
beware they may charge extra for that privilege
Personal loans:
As we previously discussed above, there are banking institutions who offer
existing customers same-day personal loans. If they won’t to it for you,
check out some other banks to see if they will. Keep in mind though it will
take time to set the initial service up
Overdraft account:
The benefit of an overdraft account once set in place is you have a ready
source of emergency cash directly from your bank account whenever you
may need it.
23. WHAT IS THE TRUE COST OF SAME DAY ONLINE CASH
LOANS?
Interestingly enough same day fast loans have a simple costing
structure:
1. They have a 20% establishment fee that is capped onto the loan
amount
2. Then, you pay +4% per month of the principal amount
Should you borrow say $400 your pay back will be – $496. Amazingly
that represents an annual percentage rate of 1223.6% (Variable) per
annum.
24. Once your online loan has been approved your approved loan
amount is then deposited directly into your personal cheque account.
You can then use the cash for whatever your needs are, nevertheless
always keep in mind you will need to pay it back on the agreed upon
due date. Meeting your obligation on time will keep you from racking
up extra fees and penalties and bad credit listings on your credit file.
Should you get into difficulty with paying any loan back it is
imperative that you contact your lender immediately and be upfront
with them about your predicament. Trying to avoid them and failing to
keep them informed will only annoy and frustrate them to the point
they will pass your file onto a debt collector and legal action could
follow.
25. If you feel you would like to talk to someone to
receive advice about a fast cash loan we would be
happy to try and help you with information on the
pro’s and con’s of these types of loans.
Keep in mind we are not a lender, we can only offer
information that may, or may not be helpful to your
situation.
