Searching for instant loans with no paperwork? Apply with Savvy.
Fact checked
Fact checked
Every now and then, emergency costs can leave you scratching around for spare money. If you’re searching for no credit check instant cash loans because you think no one else will approve you, Savvy can help you apply for your loan with no messy paperwork.
We partner with a panel of responsible lenders who focus more on what you can afford, rather than your credit score itself. This allows us to help you get an instant approval with no fuss.
Apply with Savvy today and receive an outcome on your application before you know it.
You can be given the green light for a cash loan with no physical paperwork, as the application process is 100% online, but you won’t be approved without a credit check. A credit check isn’t conducted to check your score specifically, so if you think no one else will give you a loan because of your score, you won’t have to worry as much. However, it’s still a necessary part of the approval process because it gives direct money lenders a complete picture of an applicant’s borrowing history. It checks if you have any ongoing loans or defaults as part of the calculation to determine whether you can afford the loan you’re applying for.
Licenced lenders are required under Australian law to conduct credit checks on all applicants for this reason. Loans offered by those promising ‘guaranteed approvals’ and no credit checks can often come with higher fees and less flexible terms.
Savvy’s loan application process is completely online, so there’s no need to fill out and lodge any physical paperwork. Applying for a loan involves following these steps:
Check you’re eligible
Before you apply for your payday loan, double-check you satisfy all of the eligibility criteria. This includes:
Tell us about yourself
Once you’ve checked you’re eligible for a payday cash loan, you can apply online, which should take you about ten minutes to complete. To start your application, pick your desired loan amount and the reason you need it, before proceeding to the initial application page. You’ll be asked for a few details including:
Verify your identity
You will be asked to provide 100 points of ID to verify your identity. These documents can be submitted through Savvy’s secure portal and can come in the form of a:
Get approved
An instant outcome on your application is guaranteed once all your particulars have been submitted. From there, if successful, you can receive formal approval in as little as one hour after you apply. A loan contract will be emailed for you to sign and return so your lender can transfer your money. After you’ve done this, you’ll receive your funds very quickly, in most cases on the same day you apply. However, this depends on your personal circumstances.
Yes – you can be approved for a loan if you’re not currently working. Our partnered lenders are more focused on what you earn and its consistency, rather than where you earn it from. So, if you're unemployed but need a loan for Christmas or other expenses, you can apply.
There are several fixed and ongoing Centrelink payments which can be counted as income if you’re applying for a loan and you’re unemployed. These include:
Benefits such as JobSeeker, Youth Allowance, Austudy or ABSTUDY aren’t eligible if they’re your only means of income because lenders deem them as temporary measures which are subject to change at any time.
No matter the time of day or week, you can complete your small loan application with us online.
You can receive an outcome in 60 seconds and, if successful, have your money sent in just one hour.
We're partnered with reputable Australian lenders to bring you greater peace of mind when applying for your small loan.
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.
