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Alternatives To the Instant No Credit Check Payday Loans

If you are in dire need of a bad credit cash loan, you might have heard of no credit check Payday loans that offer instant. However, as ideal and easy as it may sound, Payday loans are actually high risk, and more often than not, Payday loans cause more problems than benefits.

For a better alternative, check out ACDS, and we will help you find the best loan provider that can offer you the best terms in all of Australia.

What are Payday Loans

As the name implies, Payday loans are loans that are offered using your next paycheck as collateral. And because it offers quick processing with little requirements, Payday loans have become more and more popular for Aussies having financial problems.

Payday loans were introduced about 20 years ago in Australia when traditional lending institutions such as banks and government-owned corporations ceased or discouraged granting short-term loans for its clients. Accordingly, the risks are very high with short-term loans.

Since then, the market for short-term loans turned to private lending companies, which in turn introduced the concept of Payday loans. As long as the client has a paycheck to present, he or she will most likely be granted a Payday loan.

No Credit Check Payday Loans

The advantages of Instant No Credit Check Payday Loans

The most significant advantage of a No Credit Check Payday loan is that it offers instant money with little hassle. As mentioned above, as long as you have an accurate paycheck, you will most likely be granted a Payday loan.

Another advantage of Payday loan is that most lending companies do not base their decision on granting a client a loan on their credit score. Thus, even if a person has a terrible credit score, he or she can still get a Payday loan.

The disadvantages of Instant No Credit Check Payday Loans

Naturally, Payday loans will also have its advantages. In fact, financial experts don’t recommend Payday loans because of these disadvantages.

The most significant disadvantage of a Payday loan is that it is very high risk. The moment you use your next paycheck as your collateral or payment, you are already placing yourself in a very tight financial position. Using your next paycheck as payment will strip you of your financial control over your income which will result in the following;

  • You will be forced on a tight budget since your next paycheck is essentially “not yours.”
  • Fear for future emergencies since your next paycheck is already promised as payment, which will result in another Payday loan.
  • Decreased value of money, the Payday loan proceeds are lesser compared to your future payments, not to mention the interest and service charges.

Aside from the fact that Payday loans are very high risk, Payday loans also come with outrageous interest rates and hidden service charges

The Better Alternative to Payday Loans – ACDS loan finding services

While it is true that you can get instant money with no credit check with Payday loans, the resulting consequences, and risk that you will carry far outweighs the temporary financial relief it provides.

Fortunately, we at ACDS are here to help. We understand your concerns – the need for quick loans with no credit check. And with our services, we can help you find a loan provider that will grant you an instant loan for your financial emergencies, but at better rates, lower interest, and no hidden charges.

We at ACDS pride ourselves as an honest and sincere friend of every Aussie out there that is having financial difficulties. Moreover, our services are completely free. With our help, you will be able to find a loan provider that will offer you a better alternative to Payday loans – Short-term Personal loans.

Need a loan today? Apply online!

What are Personal Loans?

Personal loans are also similar to Payday loans, which are short-term loans. However, Personal loans, unlike Payday loans, offer more flexible terms and more significant loan proceeds.

Personal loans can be unsecured or secured by collateral. They are the better alternative to Payday loans for the following reasons;

  • Flexible terms – An Aussie can take out a Personal loan that can be paid in a few months to a few years. Furthermore, with the tight competition in the money lending industry, finding a money lender that will agree to your terms can be as quick as reading this entire article.
  • Flexible loan proceeds – with Personal loans, you can borrow from $300 – $10,000. Thus, Personal loans will allow you to address not just your financial emergencies but also grab once-in-a-lifetime investment opportunities.
  • Fast processing – Since Personal loans are also short-term loans, processing your application can be as quick as Payday loans. The requirements you will have to submit when applying for a Personal loan are similar to those for Payday loans.
  • Less risky – Personal loans have more flexible terms compared to Payday loans, thus effectively reducing the risks that you and the money lender will have to bear.

Thus, if you are having financial problems or need capital for an outstanding business venture, Personal loans are your best choice.

And to find the best money lender for your Personal loans, turn to ACDS, Australia’s best and most trusted loan finding service ever. With our help, finding a reputable loan company can be as quick as 5 minutes.

How Can I Apply to Quick Personal Loans through ACDS?

ACDS is the country’s best and faster loan finding service. We have been in the business for over ten years and have established strong connections with the country’s most reputable and legitimate money lenders.

Using our services will allow you to skip and save time finding the right money lender for your needs. Moreover, our services are completely free! ACDS offers its services completely free for every struggling Aussie out there.

Using our services is reasonably straightforward. We do not want to waste your time and deal with many paper works and long waiting times. Our services will only require you to submit your basic requirements such as;

  1. Proof of Identity and Residency
  2. Proof of Income

As long as you are able to produce these basic requirements, we will be able to handle the rest. Rest assured that your details will only be used to find and pair you up with a suitable money lender.

Once you submit the requirements through our online platform, you will need to enter your desired loan amount and your desired repayment terms. And then you’re done.
As fast as 5 minutes, we will be able to pair you up with a suitable money lender that is willing to grant you your desired loan at your desired repayment terms. And from there, it will be you and the money lender. ACDS will have no influence on whether your loan application will be granted or not.

Furthermore, we do not guarantee that the money lender we paired you up with will not perform a credit check. They may or may not perform a credit check on you. But, regardless, we assure you that our partner money lenders share the same goal – help you with your financial crisis.

The different types of Personal loans that you can apply through ACDS

Personal loans are divided into three categories, which are designed to address the different needs of clients.

Small Personal loans

Small personal loans are short-term loans, with terms lasting up to 12 months. Small personal loans also do not require collateral. Thus, they are the ideal loans that you can apply to if you have an emergency requiring money.

Small personal loans can grant you $300 – 2000.

Medium Personal loans

Medium personal loans can be paid long-term, typically 13 – 24 months, giving you more flexibility in repayment. Medium personal loans may or may not require you to put up an asset as collateral depending on the money lender and/or your credit score.

Medium personal loans are best suited for people that need money for repair, renovations, and small-scale business investments. Medium Personal loans can grant you $2,100 – 4,600.

Large Personal loans

Large personal loans are long-term loans of up to 24 months that will definitely require you to put up an asset as collateral. They are best suited for Aussies that need immediate funds for an investment, renovation, or vacation travels.

Large personal loans can yield you $5000 – 10000 of proceeds.

With these three different types of Personal loans, you will not be limited and can adequately address your financial needs. And with our help, you will be able to instantly connect with one of the country’s best and most trusted money lenders.

ACDS specializes in finding the right money lender for your needs. Our strong connections built over the past ten years will allow us to connect you with one of our partner money lenders instantly. All free of charge.

The advantages of ACDS Quick Personal Loans

If you are not yet convinced about getting our help with your loan problems, then here are the advantages that you will only enjoy with us;

  • Fast Processing

Emergencies require urgent measures, and you wouldn’t want to waste time looking and comparing the different loan quotes from the various money lenders, right? Not to mention that your search will only be limited to those that are near your location.

With our services, you will be guaranteed to receive the best quotes and terms from hundreds of legitimate money lenders all around the country. Plus, you can do it instantly within several minutes, saving you a lot of time and energy that you should be saving to deal with your emergency.

  • The largest network of money lenders in Australia

ACDS has been in the industry for over ten years, delivering free loan finding services for every Aussie that is in need. Throughout the years, we have established strong connections with reputable and legitimate money lenders willing to help Aussies under financial stress.

  • Free Services

Our services are completely free. No hidden charges and deceptive fees. Our services are ready for every Aussie that is in need. Just visit our site and your problems will be solved in a matter of minutes.

Payday Loans Bad Credit

The disadvantages of ACDS Quick Personal Loans

As we have been mentioning, our services are completely free. We pride ourselves in sincerely helping fellow Aussies. ACDS is made by Aussies purely for Aussies.

Thus, there is no disadvantage in using our services. As long as you have access to the internet, you will enjoy our services.

Frequently Asked Questions Related to Quick Cash Loans No Credit Check

Can you guarantee that I will not be credit checked?

ACDS cannot guarantee that the money lender we will pair with will not perform a credit check on you. The conduct of credit checks is included in the regulations set by the Australian government for money lenders. However, money lenders may or may not use your credit score to decide whether to grant you a loan.

Furthermore, our partner money lenders are one with us in helping our fellow Aussies deal with their financial problems.

Can Centrelink payments be used as periodic payments for my loan?

Yes. If you are a beneficiary of the Centrelink program, ACDS will help you find a money lender that will accept Centrelink payments.

Can you guarantee that my application will be accepted?

The services of ACDS is limited to finding reputable money lenders for your desired loan and repayment terms. As soon as we pair you up with a money lender, our services end there. Thus, it is up to you and the money lender to negotiate your loan terms.

I am unemployed, can I still apply for a loan?

Yes, you can always apply for a loan as long as you meet the basic requirements; Australian citizen, legal age, and proof of income. As long as you have documents supporting those requirements, you can always apply for a loan.

Even if you are unemployed, as long as you can show evidence of income or capacity to pay the loan, you will be able to apply for a loan. Furthermore, finding a loan provider for your needs will be much easier and faster with our help.

I am unemployed, and with no Income, can I still apply for a loan?

Finding a money lender that will grant you a loan despite having no proof of income will be hard. The most important prerequisite to be given a loan is to have the capacity to pay it in the future; without it, it will be tough for you to apply for a loan.

Are there loans for low-income earners?

Yes. There is a loan called NILS, that is designed to cater to low-income earners in Australia. As long as you earn less than $45,000 a year or are under pension or have a health card, you can apply for NILS or No Interest Loan Scheme. (Credit Representative Number – 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).

ACDS is not a lender and does not make credit decisions. ACDS 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: ACDS 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.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.