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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative 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 instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
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. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > Instant Cash Loans On Centrelink 24/7

Instant Cash Loans On Centrelink 24/7

If you’ve been searching for instant cash loans on Centrelink 24/7 Australia but have found it difficult to choose the right lender, at Viva Payday Loans we can help. We are a lender finder service that can match you to small cash loans up to $2000 online. Just tell us how much you want to borrow and how long for, and we’ll find a lending partner who can help in an instant with any type of credit history. You could spend hours searching online for a trusted lender of quick cash loans, so let us do the hard work for you instead and get a decision in minutes for a loan that you need today.

What Are Instant Cash Loans Online?

Instant cash loans on Centrelink 24/7 provide an easy and convenient way to apply for a short term loan online when you really need it. Suitable in an event when even small cash loans can make a difference, this form of unsecured borrowing is similar to a payday loan but with the added flexibility of longer repayments. You can choose to repay in one payment on your next salary date or spread out repayments over a few installments instead. Some lenders online may claim to provide cash loans with no credit check, however, this may mean other hidden charges are applicable. At Viva Payday Loans, we can’t promise 1 hour cash loans very quick funds no credit check in Australia, instead if you are someone with poor credit, we can find you suitable lenders who may be able to help by focusing on what you can afford. As a loan-finder service, we do not lend money directly and we have no control over the final lending decision from the lender we connect you with. 

If you are an adult Australian citizen with a regular job, you are more than likely to be eligible for a quick cash loan.

Benefits of Quick Cash Loans Online

Quick cash loans differ from traditional bank loans or personal loans. Some of the main benefits of small cash loans include:

  • Quick and efficient – if approved for cash loans online, depending on the lender, you may receive your funds within the same business day.
  • Applicants with bad credit scores may still apply and be approved.
  • Instant cash loans referred by Viva Payday Loans are provided under Small Amount Credit Contracts so they are always for: amounts of $2,000 or less; and terms of between 16 days and 1 year.

Why Do People Choose Fast Cash Loans?

There can be many occasions where we are faced with unexpected situations that require quick cash in the form of a short term loan or other line of credit. Usually, this will be a financial emergency that requires a fast resolution. If you are without the savings to cover it and you have no available credit, being able to choose 24/7 fast cash loans can be an ideal solution to get you back on track.

If you approach banks or private lenders for small cash loans fast, you will invariably find that:

  1. They do not generally provide small loans as they cannot afford to engage their resources for lower amounts.
  2. If approved, it can take much longer than 24 hours to pay out. Days (weeks, in some cases) will go by before you see the money.

Those with low credit scores will find it even more difficult to get small cash loans from financial institutions like credit card companies or banks. If you find yourself in such a situation where you know you need cash but you just don’t know where to turn, using our loan-finder service is the quickest solution to find cash loans in Australia that can pay out quickly. If you are approved, you could receive the funds within 60 minutes if your bank accepts faster payments.

How to Apply for Cash Loans Online – Validity and Legal Status

If you can meet our requirements to apply, it won’t take you more than a few minutes to fill in our application form. At Viva Payday Loans, we offer the best and most compatible choices of quick cash loans direct lenders that you can choose from. To be eligible, you must:

  • Be aged 18 years or over
  • Be a current Australian citizen
  • Have a regular source of income
  • Have three to six months’ worth of bank statements available, so that lenders can offer a loan that fits in with your current financial position.
  • Be able to provide proof of your income, whether from employment, Centrelink, or other government benefits.
  • Be able to provide details of all existing liabilities, including credit card debt and any other outstanding loan obligations.
  • Have utility bills or other expense statements.

Cash loans are regulated by the National Consumer Credit Protection Act 2009 (Cth). All credit providers and credit assisters (brokers such as Viva Payday Loans) must hold an Australian Credit Licence and be subject to supervision by the Australian Securities and Investment Commission (ASIC).

The law provides many protections to consumers who enter into small amount credit contracts for cash loans including that any holders of an Australian Credit Licence must comply with their responsible lending obligations.

Cash Loans in Australia Credit Charges

The credit charges applied to small amount credit contract cash loans are allowed to be much higher than the interest charges for personal loans from banks and other finance companies.

The credit charges for these instant cash loans on centrelink 24/7 are capped with an establishment fee of no more than 20% of the amount financed and a monthly fee of no more than 4% of the amount finance.

Important Features of Instant Cash Loans On Centrelink 24/7

There are many distinctive features of 1 hour cash loans very quick funds Australia no credit check that make them popular among borrowers. These include:

  • Quick cash loans Australia are very easy to apply for and receive. The application is fully electronic, and you can receive the funds directly into your bank account.
  • Many lenders allow for various Centrelink benefits to be counted as regular income. This makes it possible for people who receive benefits to get instant cash loans on Centrelink 24/7 online. This is important, especially because banks do not approve loans against benefits.
  • There are no hidden fees or charges. All the relevant fees are made clear in the agreement.
  • If you pay the cash loan back before the term expires, you will not be charged any extra fees or fines, unlike other loans.
  • You can apply for quick cash loans absolutely for free – this is irrespective of the subsequent approval or rejection of your application.

Apply Now for Instant Cash Loans On Centrelink 24/7

Cash loans Australia are useful when it’s difficult to get bank or personal loans and you need money in a hurry. Rather than having to wait days or even weeks for a decision, we can help you connect with a lender that can provide a quick decision and cash on the same day if successful. Click apply now to start your application today.

At Viva Payday Loans, we offer an extensive and thorough comparison of various cash lenders. We do not provide financial advice, so if you are looking for more support or money, please visit MoneySmart.

Quick Cash Loans Australia FAQs

Can I Get 1 Hour Cash Loans Very Quick Funds Australia No Credit Check?

A credit check ensures that applicants are not borrowing money when they are in financial difficulty that can make their situation worse. If you are concerned about having bad credit and are looking for 1 hour cash loans very quick funds Australia no credit check and fast approval for this reason, the good news is we may still find a suitable lender. We’ll match you to lenders who are willing to help those with the ability to pay whether or not their credit history is perfect or not. 

Do I Need Good Credit to Apply for Small Cash Loans?

No, at Viva Payday Loans we work alongside a panel of lenders who can help those with poor credit. To do so, they will need to see proof of your income and expenditure to determine what you can afford to pay. If the instant cash loans on Centrelink 24/7 amount you have requested is deemed affordable, there is every chance you could be approved no matter your credit history.

Do 24/7 Cash Loans Provide Same Day Payout?

This will depend on the lender who agrees with your loan terms and the time of day you apply. The good thing about instant cash loans on Centrelink 24/7 is that you can apply at any time of day as well as on weekends. However, if it is outside of business hours when you submit your application, the lender may not be able to process it until the following working day. If the cash can be sent the same day, you may receive this within 60 minutes if approved as long as your bank accepts faster payments.