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How to get access to fast loans?

Most Australians go to personal loans when they need to get access to immediate funds, lately this has been their preferred means to a quick line of credit. If some urgent situation arises that requires spending money, it’s personal loans that are easily available. This is where ACDS can extend help with its loan finder service

The good thing about a loan finder is you can acquire what you need at the time you need it. Say there’s a repair to be done on your roofing but you don’t have the budget right at the moment, it’s best to get a loan to fix your roof than wait for a leak. A loans for bad credit takes care of convenience.

If you are seeing yourself in a similar situation and are wondering where and how you can make money available to address an immediate need then head on to ACDS website and apply and use our loan finder service. This is the go to website of Australians who need to get connected to a lender that can address their concerns at the shortest possible time. ACDS will make it easy for you. Need to loan money between $100 to $10,000? ACDS is your go to loan finder

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What are personal loans and can I use your loan finder service?

Personal is one of those financing options where you are allowed to borrow money from financial institutions or online lenders. There is no need for you to disclose the use of the loan proceeds. Payment periods for this case take at about 1 to 5 years. Your option on how often you pay is your choice. 

What personal loans do for you is cover any personal needs for funding. When you set your intentions on getting a personal loan, the lender will provide you with the loan and advise you how much interest will be charged and the duration of the repayment terms. You can decide on what you can do with the money. It does not need to be an emergency, pretty much anything can do. The lender may inquire on what the loan is for, this is so you will be best advised on what type of loan to get.

Mostly small loans are not secure and no collateral is attached to it. It is possible for a lender to grant one when the person lending is credit worthy. ACDS can connect you to credible lenders that cater to either secured or unsecured loans.

How does my loan get approved?

When you would like to get your loan application approved, here are the following things to take note of:

  • Credit Score: this gives details on history or loan repayments and your debt-to-income ratio. When your credit score shows a high rating this makes you a credit worthy person and your loan granted.
  • Earnings: Your income or how much you regularly get.
  • Financial liabilities: these are what you owe or what you need to currently pay out of your income.
  • Employment status: tells what your position is with your current work. It is a fact that when you have a job especially a secured one then you are getting regular income. A lender will verify your employment to status to see if you can pay your loan with the use of your  regular income. If you happen to be unemployed but intend to get a loan, there are some available but this may come pretty expensive.

How should I use my personal loan?

You can use the proceeds from your loan application with pretty much anything you like. This is how flexible a personal loan is. If it’s an emergency, you can use it for that. You can use it on a vacation as an additional budget or pretty much however you would like to work it on.

Again the use of the loan money is not limited to emergencies although that is the first thing that comes to mind. However you can practically use it for various purposes whether it’s an emergency or not. And going back, you can use it for emergencies too if one arises. ACDS loan finder service sees it to fulfil your application so that whatever may be the purpose of your loan, you would be able to get it at the short time needed.

You can find more details by visiting the ASIC Moneysmart website.

Are there benefits on personal loans?

Personal loans are pretty easy to apply especially if you have proven capacity to pay. These types of loans are quick and immediately available for the purpose of you being able to use it right away.

Below are listed advantages on getting a personal loan:

The money you get from the personal loan is all-purpose.

If you have small debts coming on together and playing up on interest, you can use personal loans to consolidate your debts.

Personal loans interest rates are lower and have longer payment schedules over other loans.

Most of the time there is no need for you to set a collateral on these types of loans. Your loan interest personal loan can take care of covering your high interest loan applied previously.

Lenders and other banking institutions are all over Australia. Whether you have a job or not, you can submit that loan application and we can check if you qualify for the loan or not with our quick and easy loan finder service 

How ACDS help those who would like to apply for a loan.

Details on how to get your loan out and approved will be in this section. Below would be a step by step guide on the process behind a customer’s application from start to finish:

Step 1: Send in an application online.

You will be amazed at how simple and easy our application is. Right on this very page is the ‘Apply Now’ button which is all you need to get that loan kicking. If you would like to know how much is the possible interest on the loan that you are getting, it’s simply on the same page. You will find the option to choose how much money you are taking out and together with that is the period that this loan would be repaid. Satisfied? Just click that apply button.

Step 2: Lender will contact you.

When our system receives your details the moment you have provided them we send them out to prospective lenders that would be more than glad to work on your accounts. This will be cross- checked to help you connect with the right lender.

Step 3: Connecting with your Lender

When we connect you with a lender that will process your application they will do the verification immediately. If this has come out satisfactorily then expect an approval on your loan. You will get back and forth with your chosen lender so you can identify the period that this entire repayment will cover. You will receive a contract by this time so make sure that you have reviewed it thoroughly and that the details and fees are understood and acceptable.

When you see your contract and send it off back to your lender with your signature, expect the cash to be available into your bank account within the same banking day.

Can I submit an application online?

Our entire process is completely online. Are you still imagining if you have to go around town or cities looking for a lender and carrying those documents? With ACDS secure technology, your data is secure and loan applications fast. But most importantly, your process only takes about an hour. All you have to do is wait.

Would it be possible for me to get a loan with bad credit.

With the number of lenders available taking on various types of loans all over the country, there is a loan fit for your situation. Are you hesitant to take on a load due to your bad credit history? This is not a new story at all and there have been thousands who have acquired the said loan type. To know more on that check on the details below:

  1. Work with lenders who can receive your bad credit loans. These loans have been designed for those with low credit history.
  2. Check if you can work on small personal loans without any credit check.
  3. Indicate your income as this will serve as the basis of your application. Other than this, send in proof that you can observe each pay date and take care of paying back the loans.
  4. If possible get a collateral loan.
  5. Join a credit union
  6. Prep your account to improve its credit rating by presenting low credit utilization and debt-to-income ratio.

ACDS will surely be able to connect you with a lender who can give or connect you with a lender that has bad credit loans just use our loan finder service 

Loan Searcher

Can I get a loan if I am receiving Centrelink?

Yes you can get loans even if you are a Centrelink recipient. That is the good thing of having your loan application processed through ACDS loan finder system. When the details you provide states that you are on Centrelink it will just check that you are receiving payments for the last 3 months or 90 days and that is in itself a good qualification.

There are other qualifications that will go with just you receiving Centrelink payments, you have to show a bank statement that your finances are stable and can support a loan, we would not want you compromised financially and experience difficulty because of this financial decision to get a loan.

How do you get approved for a loan?

To get approved for a loan all you need is to meet the needed requirements. These are important as it will be used to check on your details and credentials. You need to bear in mind the following:

Check what is required, the detailed eligibility criteria and meet all needed conditions.

Do due diligence to find out who is the most suitable lender.

It is important to pay attention to residency, citizenship and visa requirements when granting personal loans.

Find out if there is any income or credit rating requirement and check to see if you meet that.

Avoid any existing debt or liability that may discourage a lender from giving a loan.

There are  online calculators that you can use to assess the amount you are eligible for and and set your application within that range.

Preserve a good track record of repayments.

Provide proof of good financial management.

Get the help of a co-signer for a loan and choose short-term loans.

Am I eligible?

Check on the following eligibility requirements.

18 years of age and above;

An Australian citizen or permanent resident;

Getting a regular income into your own bank account for the past 3 months;

Have a valid phone number and email address.

We all need to get a loan in one situation or another, just make sure that you’ve met all the necessary requirements and credentials to get you all set when you apply for that loan. Remember to keep your loan as manageable as possible. (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.