Cash Loans Adelaide
Savvy makes cash loan qualification a breeze, and you can apply easily online in minutes.
- Borrow up to $5,000
- Outcome in 60 seconds
- Flexible repayments
- 100% online
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Cash loans in Adelaide the easy way
South Australia is a great part of the world to live, and it’s a shame not to take advantage of all it offers once in a while. Whether you want to pay for a beach weekend before payday arrives, or need to travel to the city for a night out – cash loans make sense. If you want to spend the weekend sampling wine in the Barossa, or there’s a Test Match at the Adelaide Oval, you can apply quickly online. The fact is, when looking for cash loans, Adelaide residents get Savvy.
Savvy makes cash loan applications faster
Savvy works so well for so many Australians because we look to match you up with your ideal loan provider. We consider everything from your age to your job, your location to the loan amount. That way, we maximise your chances of getting the best deal – and qualifying for a cash loan too. Because we deal with some of the best lenders in the country, you’ll get funded and on your way faster with Savvy. You don’t need to miss out on opportunities to have fun because of money!
Why apply for a small loan with Savvy?
Apply online, 24/7
No matter the time of day or week, you can complete your small loan application with us online.
Instant outcomes and same-day money
You can receive an outcome in 60 seconds and, if successful, have your money sent in just one hour.
Trusted lender panel
We're partnered with reputable Australian lenders to bring you greater peace of mind when applying for your small loan.
Adelaide cash loan questions? Here are the answers!
Your helpful guides on how to qualify for a cash loan
Responsible cash lenders
Australia was one of the earliest nations to recognise rapid growth in the cash loan industry, as more and more Aussies began to work on temporary and casual contracts. That prompted a 2013 move to a stricter regulatory system for small loans. Responsible lenders now look more at your current financial status and ability to repay a loan without hardship. They’ll check your credit report, but it’s not their primary concern, and Savvy has access to bad credit cash loan lenders if you’ve experienced credit problems in the past.
What the cash loan lenders check
Lenders look at your income and spending to make sure your loan is affordable. They’ll ask for 90 days worth of bank statements, proof of ID, and proof of address. You can apply for a Centrelink cash loan in Adelaide even if up to half your regular income is from benefits. Providers will examine your credit report to check recent and current lending. You’re unlikely to get approved for a cash loan if you have two or more ongoing short-term loans. All documentation can be uploaded via the lender’s website when you apply.
How to budget and repay a cash loan
It’s important to keep borrowing affordable. To set a budget, check what the lenders check. Add up your monthly or weekly income and deduct all your regular spending to find your disposable income. Make sure repayments will be easy to manage and allow for unexpected expenses too. Most cash loan providers will let you set repayments to match how you get paid, so you can choose monthly, weekly, or even fortnightly options. You’ll also be able to select the date or day of the week payments leave your account. Setting up a direct debit is a great way to make sure you don’t miss a repayment.
Adelaide Cash loan fees
Borrowers using cash loans in Adelaide get the benefit of capped fees. That makes small loans pretty transparent and easy to budget for. Lenders can’t charge more than 48% of the overall loan amount each year. Establishment fees also get capped at $400. Different lenders charge varying fees for late and missed repayments. If you do pay late, those fees get capped too. Providers will never charge more in fees than the original loan amount over the course of an agreement. It’s a far better idea to budget wisely, and with some wiggle room, so you don’t miss a payment. Cash loans are a straightforward way to access funds when you stick to the schedule.
Small loans to suit your circumstances
Helpful small loan guides
Disclaimer:
The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs.
For loans between $2,050 and $5,000, the APR is between 21.24% (minimum) and 48% (maximum) per annum. Comparison rate of 65.4962%. Minimum term is 16 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $3,000 over 3 months with an APR of 48%, (comparison rate of 65.4962%), will have an establishment fee of $400, monthly repayments of $1,225.20. Total repayments of $3,675.60 and total interest payment of $275.60.
Warning: A comparison rate indicates the true cost of a loan. Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
