Cash in 1 Hour with No Credit Checks

Yes – as long as you receive regular income, your Centrelink cash loan application will be considered. Lenders like to see you get at least half your income from sources other than Centrelink, though. Whether or not you’ll be approved will depend on how much you’re applying for, your financial situation and what your lender is confident you can manage.

As long as you’ve been discharged for at least 18 months, a past bankruptcy shouldn’t affect you getting your chances of getting a fast, easy cash loan online. You’ll be assessed in the same way as every other applicant, based on your current and ongoing ability to repay the loan.

Yes! As long as you’re over 18 and a resident or citizen of Australia, you can apply for a cash loan. Your lack of borrowing may affect how much you’re approved for, but you can still look to cash loans for a fast financial fix. Just enquire via Savvy, and our proprietary software will select a lender that fits your borrower profile – even if you have zero credit history.

You don’t need to pay anything up front. With a cash loan, your establishment or setup fee is added to your loan, so you pay a portion of it each time you make a repayment. There’s also no deposit or security for a cash loan.

Let’s say you borrow $2,500 over ten months. Your setup fee will be $400, which breaks down into ten $40 amounts. You’ll pay $250 of the loan principal each month, plus your repayment fee, which would be $100. So, each repayment will be $250 + $100 + $40 = $390. Over ten months that means you’ll pay a total of $3,900.

Yes – different banks process transfers in different ways. Some are capable of much faster transfers than others. As such, the amount of time your bank takes to process your cash loan will have a direct impact on whether you receive it in 1 hour.

If you get Centrelink payments, you can download an income statement via your MyGov account. If you’re self-employed, the lender may ask for other documents like business accounts and tax returns, but you can also use your bank statements to prove regular, ongoing income.

Cash loan lenders aren’t really interested in historical entries like defaults and late repayments, which stay on your report for a number of years. They check to see you’re not already overly committed to borrowing and that you’ve not had problems with similar cash loans. Most lenders won’t approve your application if you already have more than one or two cash loans on the go either.

When your application gets approved, things move pretty quickly. The lender will send an agreement for you to read and sign electronically. Be careful to check all the details about your loan, then return the contract as soon as you can. Once the lender receives that, they’ll send money directly to your nominated bank account.