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Questions About Cash Australia Loans

FAQ People with Cash AdvanceQ: What is a Cash Advance, Payday Loan, or Payroll Advance?
A: A payday advance provides you with an unsecured, short-term cash advance until your payday. Even if you have bad credit, you can still get quick cash for emergencies.

Q: How do I qualify for a loan?
A: You will need the following:

  • A verifiable consistent income
  • A minimum monthly income of $1000
  • A valid bank account in your name
  • A current home and work phone number
Q: How do I receive my cash?
A: The payday loan/cash advance is usually wired directly into your bank account by the next business day.

Q: How is the payday cash advance loan amount determined?
A: State law regulates and limits the maximum advance amount to between $100 and $500. Within that range, you qualify for a payday advance amount based on your current income.

Q: How do I find out if I'm approved?
A: We'll send your approval by e-mail or phone within hours.

Q: When do I get my money?
A: As soon as we have ALL the information from you that we need, the approval process takes about one hour. If approved, your cash advance loan amount will be deposited into your personal checking or savings account the next business day. If you are denied, you will receive an email.

Q: What are the loan fees for the cash advance?
A:  See attached fee schedule.

Q: I want $500, why can't I get a loan for over $300?
A: Based on our review of your application, you may be approved for up to a $500 cash advance. However, all new customers that are approved will be issued an initial advance for up to $300.

Q: What if I change my mind and no longer want the money?
A: In that case you need to contact us within 24 hours of the approval of your loan. If the money has already been sent to your account, we will debit your checking account for the principle amount.

Q: When can I request a cash advance loan?
A:  Anytime! If you are a new customer, simply fill out the application and follow the directions. If you are an existing customer, you can login to your account and click "Apply for New Loan."

Q: What if I am self employed?
A: We require you to show us the last 3 months of bank statements to show us your income.