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Same Day Payday Loans.

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Same Day Payday Loans

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How did payday loans start?

Most people are now familiar with online payday loans, whether they’ve seen them on the high street or online.  You may think that same day payday loans are a new trend. After all, the industry in its current form was much smaller until fairly recently. A hundred years ago, when a mass market for consumer credit did not yet exist, underground traders of consumer credit began to emerge, and a variety of problems ensued. “Salary lenders” offered one-week loans at annual percentage rates (APRs) of 120 percent to 500 percent, which are similar to those charged by payday lenders today.

Is it possible to get a payday loan on the same day?

The loan can be approved in as few as 15 minutes. A same day payday loan may get you the cash you need quickly — sometimes the same day or by the next business day even at the weekend — depending on the lender. In most circumstances, the borrower writes a check for the loan amount plus a lending fee, and the lender holds onto the check until a predetermined due date.

Most payday loans are extended for just a few weeks. When the loan comes due, the borrower either pays off the loan or allows the lender to cash the post-dated check or otherwise make a withdrawal from the borrower’s account.

IAFC is here to guide you in finding the best lender company that matches your requirements and situation.

If I have a bad credit can I still obtain a Payday Loan?

Yes, you can get a payday loan with bad credit. Getting an emergency cash loan when you have poor credit can seem impossible, but it can be done, as long as you make sure to make on-time monthly payments. Payday loans are a viable option or people with all types of credit quality. Unlike most loan products, payday loans don’t solely rely on your credit score.

Poor credit is that status no one wants to be in voluntarily. But sometimes it happens to the best of us. It can be due to pure financial mismanagement, but it can just as easily be the result of the difficulties of life.

Here at IAFC, we understand that having a bad credit is a mistake made in the past with your finances and might still find a good match for our same day payday loan products.

I have no credit yet, can I still get a payday loan?

Payday lenders often don’t run credit checks thus, applying for a payday loan doesn’t always affect your credit score or appear on your credit report.. As a result, they don’t always help you improve your credit score. That said, they can appear on your credit report if the loan becomes delinquent and the lender sells your account to a collection agency. Once a collection agency purchases the delinquent account, it has the option to report it as a collection account to the credit reporting bureaus, which could damage your credit score.

What is the maximum loan amount?

Loan amounts vary from $50 to as much as $1,000, depending on the law in your state however some  same day loans can got up to $10000. If approved, you receive cash on the spot. If you’re wondering what state laws are in place regulating payday loans where you live, keep in mind that some states prohibit payday loans. And since there’s no set definition of what constitutes a payday loan, your state may allow for other types of short-term personal loans. Payday lenders usually charge interest of $15-$20 for every $100 borrowed. Calculated on an annual percentage rate basis (APR) – the same as is used for credit cards, mortgages, auto loans, etc. – that APR ranges from 391% to more than 521% for payday loans.

What are the payment methods or terms of my loan?

Usually, full payment is due on the borrower’s next payday, which typically is two weeks. Borrowers either post-date a personal check to coincide with their next paycheck or give the payday lender electronic access to withdraw funds from the customer’s bank account. It could also be via online through the lender’s website.  Because lenders have varying repayment terms, make sure to ask for the specific due date or check for the date in the agreement.

Short Term Bad Credit Loans

What would happen if I missed a loan repayment?

IAFC recognizes and understand our customer’s situation as much as we can. We like to help our clients the best that we can do. So don’t hesitate to inform us about your current situation so we can coordinate with your lending company.

If a consumer can’t repay the loan by the two-week deadline, we can ask the lender to roll over the loan and an already steep price to borrow grows even higher. Or we can set a new payment arrangement that can help you recover.

Can I get a payday loan if I work in a Government Agency?

Yes, IAFC is deeply convinced that anyone can apply to a payday loan regardless if you work in a government agency. You just need to make sure that you have the requirements needed to apply for a loan and we’d be so much excited to guide you find the payday loan suitable for you along with some payday loan alternatives.

Here is how you can apply for a loan with the help of IAFC:

You just need to apply online and indicate the amount you need to borrow with the payment terms. IAFC will be needing your personal details and any necessary documentation. From there, we will be searching for the best lender company that will suit your requirements and needs.

Depending on the lender company they may have to do a credit score check on you. Once you are already approved with the loan, we will send the contract for you to sign.

For any clarifications, you may reach out to IAFC and we will gladly assist you. And lastly, if you are good with the contract and terms, we will instantly send you the money.

Instant Cash Loans

When payday is still several days away but you’re faced with an expense that needs taking care of right away, instant cash loans may be ideal. Unlike traditional loans that would take days, even weeks to get approved, an instant cash loan gives you the opportunity to apply for a small amount that can be paid off within a shorter period without having to leave the comforts of your home. IAFC partners with a wide variety of lenders that can offer quick loan assessment and approval. Typically, it will take our loan specialists about an hour to assess the loan and locate an appropriate lender to pair you with. Once a lender reviews your application and approves your application, they will call you with a loan offer. If you accept the loan terms and conditions, they can get the funds to your bank account within minutes, depending on your bank’s processing times. 

Why Choose IAFC?

Looking for the best lenders online can be a very difficult task and would take much of your time. IAFC is here to help you take this extra baggage by matching you with a lender from our trusted network who will perfectly suit your financial needs.

Also, here are the key features of choosing IAFC to find your Payday Loan:

100% Free – IAFC won’t charge you anything for our service. We are committed to making sure that our clients will not be paying anything to a lender until our client chooses to sign their payday loan agreement with their chosen loan provider.

Our Service is Completely Online – No more long waiting lines or endless phone calls with traditional loan providers. Here at IAFC, we make sure that our service is 100% online and will only take you a few minutes to finish your loan application.

Fast Decisions – No need to be anxious over a long waiting time to get the results of your loan application. As long as you submit within business hours, IAFC will try our best to find you a lender that’s perfect match to your financial need, and whatever the results may be, we make sure to send you the outcome within the day.

For applications submitted outside of our business hours, please expect that your application and outcome will be processed on the next business day.

Top-notch Security – To ensure the security of your personal information, we will only ever share your financial information to reputable lenders from our network who comply with responsible lending practices.

Also, we use top-notch security providers such as Comodo and McAfee to give your privacy an additional security.

100% Transparent – No hidden charges or clauses. IAFC requires all of our lenders to be completely transparent to our clients. All information regarding the loan such as interest rates and repayment terms shall be fully disclosed to you before lenders ask you to sign a loan contract.

If you’re looking for a way to find fast cash loans with no credit check in Australia, choose IAFC to help you with that! Click on ‘Apply Now’ to start your payday loan application with us or head over to our FAQ page if you have any more questions or concerns you want to be answered.

You can also check our FAQs section on the site if there are other questions you need clarifications for. You can also send us an email at hello@iafcloans.com.au

Find the right lender with IAFC.

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iafcloans.com.au (Credit Representative Number – 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).  

Iafcloans is not a lender and does not make credit decisions. Iafcloans matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. 

Consumer Advisory: Iafcloans is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

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