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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 Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% 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.

The Interest Rate for Secured Large Amount Loans is 48%. 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.

Small cash loans, could be the answer. Apply today!

small cash loans

Need to borrow a little bit of money? Why not apply for small cash loans today?

It’s not just in an emergency that people need small cash loans, quickly. It’s those unexpected bills and situations like rental bonds, computer or car repairs or storage while you move.

We’ve all been in a situation where we need small cash loans with no credit check, just a small helping hand to get ourselves through something big, or onto the next big phase of our lives. While we cannot guarantee that we can find lenders that offer small cash loans with no credit check, we can certainly reduce the hassle of finding a lender that can say yes!

Well, just in case you didn’t already know this, you’ll probably be relieved to know that you can apply for a lender that can offer small cash loans online. The best part? You can do it right here without having to make a single call.

We’ll pair you up with an Australian Credit provider who can approve your same day small cash loans – and 95% of our clients have their loans approved.

So, what are small cash loans? They are loans you can get for a small amount of money that is paid back over a short amount of time. It’s a useful service to have access to – a safety net of sorts that lets you know that you can fall back in case the unexpected does occur.

Low cash flow happens to all of us, and it isn’t the nicest situation to be in. Life is stressful enough and our budgets are all already stretched thin enough, so we understand the relief that small cash loans can bring to our clients.

It’s only a small amount of money that can help you out in the short term and doesn’t become a financial burden. In this post, we’ll delve into a little more detail about small cash loans, so you are completely informed for the next time you need one.

What are small cash loans?

A small cash loan is a loan of a small amount of money lent over a short amount of time. Usually fast, affordable and unsecured personal cash loans serve the purpose of helping everyday people face unexpected financial occurrences. They can be exactly what you need to help you out in a time when you need it most.

Some examples of situations when people need small cash loans:

  • Car repairs – you’ve had a prang, or your car has broken down and you need to make an unexcepted repair. This can be super inconvenient but small cash loans can help you get back on the road.
  • School uniforms – they can be expensive, and if you have more than one child with multiple other expenses in your life paying for school uniforms once a year can be a real stretch.
  • Travel expenses – sometimes you need small cash loans to help fund the final parts of your travel arrangements or cover the last-minute things you forgot to budget for.
  • Household needs – unexpected expenses for household needs can be annoying and have knock-on effects. Say your fridge stops working – Small cash loans can be exactly what you need to get it back up and running, or replace it before your fresh goods go bad.

Any of these scenarios sounding familiar? These are normal expenses and situations that so many of us deal with and we know they can add unnecessary stress to your life. So, don’t worry – rest assured that you have options.

Where can I get small cash loans?

You can easily apply for a lender who can offer small cash loans online with Personal Loan Pal. Simply fill out the application form on our website. Its quick, easy and only takes a few minutes.

Getting small cash loans in Australia is easy and you can get them with us. We have a fast outcomes so you find out the result of your application within 60 minutes of submitting it (if you apply during normal business hours).

What happens from there?

The process for getting a small instant cash loan is quite easy.

There are 3 basic steps in the small cash loans approval process:

  1. Fill out the application form – find this at the link below, which only takes a few minutes to complete.
  2. Fast outcomes – your application will be assessed and you will receive an outcome within an hour of submitting your application from a loan provider that can approve your loan based on your personal circumstances.
  3. Get the funds you need to get your finances back on track! – If your application is approved, your lender will in touch.

And if you ever need a lender that can offer small cash loans in the future, you know where to go: Personal Loan Pal.

Why come back here? Well, if your personal situation changes, you might need a slightly different loan provider. We’ll find the right personal loan partner for you.

Can I get small cash loans without a credit check?

We don’t conduct credit checks, however, the lenders we find may conduct credit checks as part of their suitability assessment. We can find lenders that look at more than just your credit check, they can look at your current relationship with money.

There are many lenders who will lend to you because they understand that people are human and sometimes there are unavoidable circumstances that lead to credit ratings dropping below the ideal rates. At Personal Loan Pal, we can find lenders that know that there are other ways of proving that you’ll be able to repay loan. So don’t worry, you can get small cash loans with bad credit.

Can I get a small cash loan if I’m unemployed?

Your personal loan provider will run through a final check with you, but the short answer is: Yes, you can! If you have been receiving regular fortnightly payments from Centrelink for at least 90 days. However, if you’ve received an Emergency Centrelink payment in the last 90 days or filed for bankruptcy, you won’t be eligible for a short-term cash loan.

You need to satisfy the following criteria before you can apply for small cash loans

People on Centrelink often get a bad rap and are often considered unreliable with money. We know that this is not necessarily true, because everyone can quickly find themselves in a less than ideal situation at some point in their life. Being on Centrelink does not have to determine whether you are good with money.

We know that, like everyone, or perhaps even more than the average joe, you may need access to small cash loan so we find lenders that may offer loans for people on Centrelink.

Credit lenders are legally required to lend responsibly, meaning they won’t lend to you if they are concerned that you won’t be able to pay back your loan.

Find out more about small cash loans for people on benefits here.

Can I get a small cash loan if I’m a pensioner?

Yes you can. In a similar manner to people receiving Centrelink payments, you may qualify for small cash loans for pensioners. We find lenders that offer cash loans for pensioners, because we understand that being retired can be tricky.

There are some obstacles for pensioners obtaining loans, but small cash loans are not off the cards. One option is to apply for a personal loan with your current financial institution.

There are also some government assistance options:

  • Pensioner loan schemes, which allow you to access income tied up in assets.
  • Advance payments from Centrelink, which means receiving some of your Centrelink income early that you repay interest-free over time.
  • No Internet Loan Schemes (NILS) which are free loans up to $1,200.

To find out more about loan options for pensioners visit this website.

In a tricky situation? Look over here!

If you ever find yourself in a tricky situation and need access to a small amount of money, don’t panic! You know we’ve got your back and can help find you a lender who can offer small cash loans – without hassles or lengthy phone calls.

Even if you are receiving Centrelink or a pensioner we can help you find the right person to help you out. Make sure to check out the government websites to see if there are any options better suited to your situation.

The application for small cash loans is quick and easy and can be done 100% online. And if you’re on the hunt for cash loans for bad credit, don’t worry we can put you in touch with the right lenders.

Ready to get started? Great! Head over here.

If you get stuck, just pop us message over here and we’ll find out how we can help you.

Here’s to your stress-free personal loan!