Your one-stop portal to quickly find online lenders offering personal loans
Life happens. Cars break down, clothes wear out, the bad hair days surface just before important events. Whatever your reason for taking out personal loans may be, Personal Loan Wizard is committed to helping you find lenders offering suitable, online, quick cash advance loans.
When times get rough, you may find yourself needing a cash advance loans to turn things around. Let Personal Loan Wizard work our magic and find you a lender that may be able to help.
Can you find me a lender offering instant cash advance online no credit check?
Personal Loan Wizard, we won’t find you an instant cash advance online no credit check. This is because we believe that lenders that offer instant cash advance online no credit check usually pose issues. Conducting a credit check is a part of lenders’ responsible lending obligations and any company that does not follow these obligations are likely doing the wrong thing.
They may be untrustworthy or even entirely a scam, demanding extremely high interest. Personal loans that don’t require a credit check will either come with interest rates that will make your heart skip a beat, or they will just be a flat out scam. We will always do right by you when finding you a lender. We make sure that the lenders we work with are reputable, trustworthy and responsible.
What’s the big fuss about personal loans?
Personal loans can really come in handy when you’re needing a bit of extra cash to get by. The beauty of personal loans is that you can use them to cover whatever expense you like. If you need to top up on medical supplies, pay for that long overdue dream holiday, pay for your wedding, or even make the difference on that huge phone bill you’ve just received. The world is your oyster when it comes to personal loans and we’re here to make sure you find a lender who can help!
They are not just for preventing some accidents, but can really make all the difference when dealing with the emergencies of life. They can cover the must-haves and nice-to-haves you’ve got to snatch. However, we don’t recommend taking out personal loans just for the sake of having some extra cash. As there is a certain level of responsibility that comes with paying personal loans back, it’s best to just apply for them when you’re there is a bill or expense you need to be covered.
What are the perks of personal loans?
For whatever reason, there are moments when you may need instant cash advance loans, fast.
Here are the perks of getting a personal loan from a lender:
- Small personal loans may be cheaper than other forms of instant cash (we all dread those hefty credit card fees!);
- They offer unmatched flexibility and ease of use in that you can use them to patch up cash for almost anything;
- Just one super quick online application and the money can be in your bank account within a day;
- Spare yourself the paperwork and red tape. Personal loans often require less documentation than with other loans such as a home loan or car loan.
Personal loans can be the lifeline for planned and unplanned expenses. Best of all, you can now be put in touch with short-term lenders with loan applications that can be completed in no time.
Personal Loans lenders can help in tough times…
Lenders offering personal loans can help turn things around in your favour, particularly when you desperately need that cash. It’s good to note that once you’ve signed your contract, most lenders will deposit your funds in to your account super quickly (if your application is approved in business hours). The actual times may vary and are dependent on how fast your bank processes things like this.
The Australian economic landscape is undeniably under pressure. However, Personal Loan Wizard is here to pull a few magic tricks to try help those who haven’t had a heap of luck with their past credit experiences.
Our loan wizards can find lenders who could help out with those much-needed cash advance loans. Each case is treated on its own merit.
Do I qualify for your lender-finding service?
Applying to find lenders offering personal loans has never been easier. Unlike traditional lenders who adopt the face-to-face approach; we have a less daunting online take on things.
No need to prepare for a stressful or embarrassing moment where you look the consultant in the eyes and gasp before hearing if you have been approved or not.
In order to use our lender-finding service and be paired with a lender, be sure to note our straightforward eligibility criteria:
- Be 18 years old or older;
- Be an Australian citizen or permanent resident;
- Have been receiving regular income into a personal bank account for at least 90 days;
- Have an active Australian phone number and email address.
You don’t need to fear lenders you can’t trust. We will refer you to organisations that are bound by Australian law. Best of all, with our online applications, you don’t need to fear being the centre of gossip. Borrowing cash from friends and colleagues who talk about it behind your back is so yesterday!
What costs are involved in a personal loan?
The good thing about working with above-board lenders is that they are open and upfront about costs and fees involved in your prospective personal loans.
They also operate within the scope of the law and practice ethical debt collection means. Although fees vary lender to lender, for the sake of illustration, this is an example of what a typical personal loan might cost you.
Costs for Small Amount Credit Contract (loans from $500 to $2,000):
- Establishment fee: 20% of the loan principal;
- Flat monthly fee: 4% of the loan principal;
- Direct debit dishonour fee: can be $17.50-$35.00 per dishonour.
Costs for Medium Amount Credit Contract (loans from $2,001 to $5,000):
- Establishment fee: $400 flat fee;
- Annual Interest Rate: 48%;
- Direct debit dishonour fee: can be $17.50-$35.00 per dishonour.
Keep in mind this is a very rough estimate of what to expect. Every lender will have their own fees and costs. We cannot stress enough how important it is to read your contract prior to accepting the terms and conditions of the loan. Be sure to ask your on-the-ball loan lender if you have any questions.
Repaying personal loans 101
Even though it is super easy to get personal loans in your bank account, remember that there are rules and responsibilities for borrowers. The main one is obviously, making your repayments on time.
Repayments can be made weekly, fortnightly or monthly; and this direct debit schedule will be communicated to you by your lender. Funds will automatically be transferred from your bank account, so make sure that you leave enough cash in your bank account to honour the repayments.
There are consequences to your actions as a borrower and these can have a positive or negative impact on your credit rating. Timely repayments will help you stay clear of additional costs and in some cases, incurring a poor credit report as a result. A little magic trick to avoid this, is to line up your repayment date with your pay cycle. This will take a lot of the stress out of making sure you’ve got enough funds in your account to avoid nasty fees.
How you repay your loan is significant. Don’t underestimate the need to communicate with your lender without delay should your financial circumstances change. Rather than burying your head in the sand and letting debit orders bounce, communicate and be upfront and honest with your lender.
What about the horror stories of unscrupulous loan sharks?
Personal loans are synonymous the world over with loan sharks who terrorise people in the unregulated lending space. Such loan sharks are known for taking whatever means necessary as part of their debt collection means.
The lenders we work with are not above the law. You don’t need to worry about two burly henchmen turning up at your door in the middle of the night. They are registered and are upfront about their cash advance rate and debt collection practices. For example, if your repayments bounce, a fee will be added to the personal loans outstanding balance.
These fees and charges will be stated in the contract before you accept your loan which is why you need to read the entire contract prior to accepting. Even though you can rest assured of legal debt collection means, there are indeed perks to making your repayments on time.
Late repayment and/or not making your repayments may lead to a default on your credit file. This may negatively affect your credit history and remain on your report for 7-years. You also run the risk of having your account passed on to an external debt collection agency and possibly incurring more charges.
If you find yourself in difficulty, talk to your lender and ask if you are liable to apply for Financial Hardship. They can give you more information on that and/or may help you make alternative arrangements.
Personal Loan Wizard brings lenders to your phone
Personal Loan Wizard takes great pride in helping to change the personal loan landscape by connecting borrowers with lenders who can offer speedy and reliable, yet professional services. We understand that life happens and how life-changing personal loans can be in making dreams come true.
We take pride in removing the complicated processes that often enshrines traditional lending practices. Personal loan Wizard helps to bring personal loans lenders to your lounge room, your office, doctor’s waiting room or wherever you may be in Australia.
In a way, we come to you and try serve as a channel to connect you to lenders who bring cash to your bank account when you need it the most. We believe in what we do and it shows when you read of how personal loans changed the lives of prospective borrowers like you.
Count me in! Where and when can I use your lender-finding service?
There’s no better time than the present to start applying to an online personal loan provider through Personal Loan Wizard. In fact, you’re more likely going to spend more time contemplating how to spend the loan than beginning the process to find a short-term lender. That’s because our application through is super simple and speedy.
While you can start our application to find personal loan finance 24/7, just note that our loan wizards take their need for beauty sleep seriously. They will only process the application during the following business hours.
- Monday to Thursday: 8 am to 4 pm;
- Friday: 8 am to 4 pm;
- Saturday and Sunday: Closed.
You can apply from the comfort of your own home, on a bus on your way to work, while chilling having lunch with your peeps or just about anywhere. The online application is super quick and straightforward.
Finding your personal loan provider is potentially just a click away. Use the loan they give you to pamper yourself, pay for that trip you’ve always wanted or get your partner a decent birthday present. If you are the one needing beauty sleep, your personal loan could be buying that new mattress. Think of all the things you could do with the extra cash, then think no more. Apply now!
Get in touch today!
Take charge of your finances today. Discover the hassle-free adventures of personal loans by making use of the services of Personal Loan Wizard to connect you to a lender who is waiting to step in and assist.
Remember it is easy, quick and professional. The lenders we find could have the money in your account sooner than you can memorise a couple of our magical phrases.
You can also fill in a contact sheet on the website to get in touch with a loan wizard who will gladly address your concerns. Again we’d like to remind you of our above-mentioned business hours. This helps our loan wizards to contain that sparkle in their eyes and genuine enthusiasm to help in a jiffy (this would never be the case if they were sleep deprived).
Personal loans for when you need them most
We are so much more than just a connector to your prospective lender; we are personal. Our loan wizards don’t just handle applications but are there to facilitate potentially life-changing encounters with human beings.
We are not as much focused on targets as we are in being present. We have a customer-centric approach and can skilfully crunch numbers and simplify the technical jargon you don’t understand.
Chat to us from time to time and see if we won’t surprise you with great service and awe. We are somewhat magicians and wizards after all… Apply today to avoid disappointment!