message big
Discover
Personal Loan Pal
We can be your pal when it comes to finding a lender
APPLY FOR OUR LENDER-FINDING SERVICE
Super fast outcomes
FAST OUTCOMES
No time wasted
$1500
Weekly
Fortnightly
Monthly

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 67.41% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Want online loans instant approval Australia? Why not apply with our lender-finding service instead?

While not quite online loans instant approval Australia, quick cash loans are finance options with fast referral times. They allow customers to get the funds they need on short notice. These quick cash loans are for amounts up to $5,000 and can be repaid over a period of up to 24 months. Depending on the amount, they can be either secured or unsecured. Quick cash loans can feature different types of costs depending on the loan amount.

Have you ever been in a situation where you need cash fast? Have you ever thought, wouldn’t it be great to be able to get online loans instant approval Australia? Well, as nice as that would be, unfortunately, online loans instant approval Australia are just a pipe dream at this stage. However, fast cash loans are real, and can be extremely helpful if your bank account is looking a bit tight.

online loans instant approval australia

What are quick cash loans?

In an ideal world, everyone would be able to access online loans instant approval Australia. While we’re not quite there yet, quick cash loans can still deliver a financial boost to those who need a quick cash injection. In short, quick cash loans are exactly what their name entails – cash loans, done quickly.

If you’ve applied for a loan with a bank before, quick cash loans must sound like a dream come true – and online loans instant approval Australia are unbelievable! With the growth of the online lending industry, the paperwork, waiting times and general inconvenience that people expect when applying for bank loans are no longer necessary. Fast cash loans from online lenders can allow clients to access the funds they need quickly, without unnecessary bureaucracy. There’s no need to keep wishing for online loans instant approval Australia when fast cash loans are a reality!

What is Personal Loan Pal?

We’re a lender-finding service. We know that may not sound exciting, but what we can do for our clients certainly is!

If you’ve already done a bit of research into the world of online personal loan providers, you probably know that it can get a bit boring. Hey, we don’t blame you. It’s not exactly surprising that people don’t want to spend hours looking at page after page of search results for lenders and loans. More to the point, they shouldn’t have to.

Imagine if, instead of searching for a lender all by yourself, there was someone that could help. Someone who was a bit more familiar with the world of online lending. Maybe some kind of service that can find lenders much quicker than the average person can. Get the picture? That’s us! Unlike online loans instant approval Australia, you don’t have to imagine that we exist, because we do!

If you’re having trouble with the process of looking for a lender, why not give us a go? Say goodbye to the days of submitting a separate application to every single online lender in the hopes of finding one for you. We’ve streamlined the lender-finding process! Simply submit one easy application with us, and we’ll get cracking on our search for a lender. If we find one for you, we can refer you to them super fast! We’re not called Personal Loan Pal for nothing.

What are online loans instant approval Australia?

Online loans instant approval Australia are the dream, right? Loans that you can access online, and are approved instantly. Sadly, legitimate online loans instant approval Australia are just not possible at this stage. Even if we can find a lender for you super fast (which we can), they will still have a look at your finances before offering you a loan contract. There’s a chance that loan scammers will use the enticing idea of online loans instant approval Australia to lure in vulnerable customers, so be wary of that. To find out more about loan scams, visit the MoneySmart website.

So, don’t waste time trawling through the internet in a desperate search for online loans instant approval Australia! Apply with Personal Loan Pal instead, and we’ll do our best to find a lender for you.

How can I apply with Personal Loan Pal’s lender-finding service?

We don’t want to put up huge obstacles between you and our service. That being said, there are a few things you must confirm before you can use our lender-finding service.

You must:

  • Be an Australian citizen or permanent resident
  • Be 18 years of age or above
  • Receive a regular income into a personal bank account for at least 90 days prior
  • Have a direct contact number and email address

Tick all four of those boxes and you’re ready to go with your application.

How to apply for our lender-finding service

Once you’re sure that you’re eligible, head up to the top of any of the pages of our website. There you’ll find the apply now button, with a handy personal loan calculator above it. You can use this to get an idea of how much your loan could cost, simply by adjusting the slider. Keep in mind that these are just examples, and actual loan costs will depend on your lender.

When you’re ready, click apply now and begin the application process! Our application form can take just minutes to fill out, so you won’t have to spend all day in front of your computer. Once it’s done, just click submit and we’ll get to work on looking for a lender. If we find one for you, we’ll refer you to them as fast as possible. Either way, we always do our best to deliver quick outcomes for our customers.

What can you use fast cash loans for?

So, in what sort of situation would fast cash loans come in handy? Well, just about anything that you need some extra funds for! Often these expenses are unexpected and last-minute, meaning that cash is needed fast and can’t wait until the next payday.

Some examples could be:

  • Unexpected medical or dental expenses;
  • An out of the blue car malfunction, that calls for a new car part or repair;
  • Old white goods and appliances that give up the ghost;
  • Covering the necessary expenses to finalise any travel plans.

That’s just the tip of the iceberg! As you can see, personal loans could be needed by almost anyone. How great is to know that if you have a last-minute financial drama, Personal Loan Pal could help you find a lender on short notice?

Who can apply for Personal Loan Pal’s lender-finding service?

As long as you meet the eligibility requirements, you are welcome to apply and we’ll do our best to find a lender for you.

That means that even if you have bad credit or receive Centrelink payments, you can still apply for our lender-finding service. As long as the Centrelink payments you are receiving are consistent and reliable, they can be considered as income under the eligibility requirements. Personal Loan Pal should be your first stop if you’re looking for lenders offering bad credit personal loans.

There’s no need to waste time dreaming about online loans instant approval Australia when fast cash loans are a reality!

Will you do a credit check?

As a lender-finding service, conducting a credit check is not part of our process. However, some lenders that we deal with may do credit checks. If we find a lender for you that does credit checks, don’t panic. You won’t be rejected just for having bad credit. At Personal Loan Pal, we always try to find loan providers who can help you.

Apply now with Personal Loan Pal!

Just because you can’t get online loans instant approval Australia, doesn’t mean you need to give up on looking for loans altogether. Personal Loan Pal can find providers of fast cash loans instead! Our lender-finding service is extremely simple to apply for and is available to a wide array of people. From Centrelink recipients to those with a bad credit history, we’ll do our best to find a lender for you.

So, scroll up and apply now. Who knows? Before you know it, you could be in touch with a lender.

Example of how small personal loans work

Loan amount

$200 minimum
$2,000 maximum

Costs

Most small personal loan providers charge up to 20% as an establishment fee upfront. You’ll then pay a 4% monthly fee.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %.

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.

Terms

12
months minumum
12
months maximum

Example:

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Example of how medium secured personal loans work

Loan amount

$2,100 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 67.41% p.a.

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate