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Need Quick Loans No Credit Check

Looking for quick loans no credit check? Got a financial emergency and you need instant cash to get you covered? Worried about your less than perfect credit history? We got you covered! Whether you need access to quick cash to fund your dream wedding, pay for the costs of your car repair or even just cover a rather hefty medical emergency, ACDS will be more than happy to extend a helping hand.

While we are unable to broker access to instant cash loans that do not involve any credit enquiries, we’d be more than happy to help you get access to personal loans that get approved and funded fast. With ACDS, sending a loan application is made easier and hassle-free. There won’t be any need for you to wait for days to complete your application. Our 100% online platform is streamlined for that stress-free experience.  In fact, once your application has been submitted, you can potentially get the result within just 1 hour.

Once approved, our lender partners will get the funds transferred right away which could mean that you may receive it in your bank account in 60 seconds or less! We certainly weren’t joking around when we said we’re fast!

Who is ACDS?

ACDS is an online lender broker, making it easier for Australians to get access to some of the fastest lenders in the country today. We are committed to making credit more accessible to Australians from all walks of life, especially those that wouldn’t normally get that much luck when applying for loans with banks and other traditional lending services.

For most people, applying for a loan is generally a stressful experience. This is especially true when you’re going the traditional lender route where you will be required to visit the provider’s offices in person in order to kick-start the process. This could mean that you will have to go out of your way just so you can get a loan application appointment to fit in. There will usually be a bunch of cumbersome paperwork for you to fill out. Then, there’s the usual queuing up with other borrowers so you can hand in your documents. Even with all that effort, there’s a very good chance that at the end of it all, you will just get a thumbs down— such a waste of time. Why go through all that when there’s a simpler and easier way to get access to quick loans?

With ACDS, you can easily skip through the whole stressful process. We made sure to simplify our process in lieu of a streamlined and stress-free application. Depending on when you send us your application and your bank, there’s a very good chance that you can receive the funds you need on the same day you applied for the loan. It certainly doesn’t get any better than that.

If a breezy, stress-free and fast loan application is what you’re hoping for, there is no better choice than ACDS!

Quick Loans No Credit Check

Need a loan today? Apply online!


You’ll likely have a lot of questions in mind about the personal loans we offer access to. Read on and find out more about how we can better assist you.

What are instant cash loans?

Also referred to as fast loans or quick loans, these are personal loans that generally will only take a few minutes to apply for. Typically, once your application gets the green light, the lender will initiate the fund transfer instantly. This is in stark comparison with how traditional lenders and banks operate where loan approval goes where it can take weeks to secure an outcome for any loan application— not to mention how they will usually require cumbersome paperwork. With instant loans, a customer can get access to the emergency funds he needs within minutes instead of having to wait for days or longer.

At ACDS, we only partner with responsible lenders— those that observe proper lending practices. This is why we are unable to offer any guarantee that a personal loan application will secure instant approval. What we can assure you with though is that our lenders will do the best that they can to get your loan approved fast and to get your funds transferred soon after approval. Do note that the speed in which the funds can be deposited into your bank account can be affected by your bank’s transfer times.

What are loans with no credit checks?

These are personal loans that a borrower can sign up for where his credit history isn’t going to be checked by the lender. This means that it doesn’t matter what his current credit rating is, it isn’t something that the lender will consider when deciding whether or not to approve the loan application. When applying at a lender that offers this type of credit, they will not ask to access your credit report from credit bureaus like Experian, Equifax or Illion. However, the loan details are still going to be reflected on your credit records.

There are benefits that come with a no credit enquiry loan. For one, if you suffer from a bad credit score, then it isn’t going to have any bearing on your loan application and will not pull down the chances of you securing an approval. Instead of focusing on what your credit score says, the lender offering this loan will instead fix their eyes on the current state of your finances to determine whether or not you can afford the repayments.

How can I get access to money fast?

When you’re searching the internet for quick loans no credit check, there’s a very good chance that you need access to extra funds urgently. While we are unable to guarantee that  we can get you access to same day loans in the same manner that we cannot guarantee any instant loan approval, the lenders in our network are known for their fast loan assessment and approval process. Provided that you have met the qualifications they have set, it will only take a few minutes to fill out and submit your application. If it is submitted within regular business hours, most of our lenders can offer you an outcome within just 1 hour!

Do you offer quick loans with no credit checks?

As a broker, we see to it that we only partner with responsible lenders. This means that they are unable to offer quick loans or multiple loans that do not involve any credit enquiry. However, this doesn’t mean that because your credit score is bad you will no longer get any chance to access a loan. Far from it. At ACDS, we understand that things can happen that will affect your credit records and most of the time, this could not be of your own doing. We believe too, and so do our partner lenders, that your history is best left to where it is, in the past. This is why when it comes to assessing whether or not to grant you a loan, our lender partners would rather fix their attention on the current state of your finances to assess whether you have the capacity to pay back the loan if you are granted one.

Can I take out a no credit check loan?

If you ever encounter lenders that offer loans without any credit enquiry, be aware that they may not be following the guidelines set for responsible lending. Do note, however, that it is possible to secure a loan where your current employment and income will be the basis in whether to approve your loan application or not as well as the amount that you will be allowed to borrow.

Can I take out a guaranteed loan?

There’s no such thing as a bad credit guaranteed approval loans— the legit ones, at least. If you ever encounter lenders that promise to approve your loan application no matter what your circumstances are, then be wary of them. Legitimate loan providers that offer loans with no credit check are still going to assess if you have the means to repay the loan. This means that they will need to look at your employment, income and your bank statements to determine whether or not you can afford the loan you’re applying for.

If you’re hoping to sign up for a loan but are worried about the current state of your credit rating, you can instead sign up for a bad credit loan. While this loan doesn’t guarantee approval, our lender partners may be more understanding and lenient with their loan evaluation process compared to traditional lenders, credit unions and banks.

What are quick cash loans?

Most of the time, when you wish to apply for a loan, it is because you need the money fast. The prospect of getting access to a loan with no credit enquiry that can be instantly approved may be perfect. At ACDS, our lenders are unable to get you access to funds in an instant. However, our lender partners are able to offer quick access to cash loans!

If your credit is bad, know that no credit enquiry quick cash loans aren’t the only means for you to secure credit.

Signing up for a personal loan at ACDS is easy and quick. The application process is 100% online and can be completed within just 10 minutes or sooner. If you send the application during regular business hours you can secure an outcome within just 1 hour. That’s not even the best part yet. If you are approved, the lenders can get the funds transferred to you in 1 minute or even less! This is as close as you can get to instant cash loans when you need one in Australia!

How much am I allowed to borrow?

It really is up to you! At ACDS, we have partnered with a wide variety of lenders that offer a wide range of personal loans— most of them offering them from $300-$10000. Whether you are taking out an unsecured or secured loan will depend on the amount you’re interested in borrowing and what your preferred repayment term is.

Do you carry out credit enquiries?

If you’re looking for loans that do not involve any credit enquiry, it is very likely that you are worried about the current state of your credit rating. While our lender partners will carry out credit enquiries as part of the loan assessment process, they are also known to take a different approach when examining your credit history. Instead of making a decision based on your credit rating alone, they would prefer to get a better grasp of how things are as far as your finances go and will check your bank statement, your income as well as your financial commitments instead of just your credit score. With this, even with a poor credit rating, you will get a fair chance at a loan approval.

Are no credit enquiry loans safe?

There are all kinds of loans with no credit enquiry. It is possible for our lender partners to offer you loans with no credit enquiries in the form of payday loans or personal loans. However, note that lenders that do not offer no credit checks when offering loans aren’t following proper lending practices that the ASIC has set. There is a very good chance that they may even be predatory in nature.

At ACDS, our lender partners carry out credit enquiries as part of their responsibility in carrying out legitimate lending practices. However, you shouldn’t worry about a bad credit history because the weight of their decision isn’t going to be placed exclusively on your credit score alone. Instead, they will focus on several other factors to decide whether a loan is indeed appropriate for you. With this, even with a bad credit score, ACDS will help you get access to loans from lenders that will offer you a fair chance at approval.

Can I apply for a loan even when I’m a Centrelink beneficiary?

Certainly! Part of the requirements that most of our partner lenders require from potential borrowers is for them to be getting some form of regular income at least for the last 3 months. If you have been getting Centrelink payments regularly as part of the income you’re receiving monthly, then this means that you have fulfilled such a requirement!

If you’re a Centrelink beneficiary, you may find yourself in need of some extra cash to cover your fund shortage. Do know that Centrelink actually offers advance payments to its members and this may be something you would want to consider. However, if what you’re hoping is to get access to personal loans fast, then ACDS can certainly help! All you need to do to get started is to check if you meet the loan qualifications then send us a loan application and we will take care of the rest.

What can I use the loan funds for?

Although our lender partners at ACDS are unable to offer quick loans with no credit check, they can instead offer fast personal loans that can be utilised for a whole host of purposes. Below are some of the few examples that you may be able to use your loan funds for:

  • Rental bond
  • Car repairs
  • Buying furniture pieces or other white goods
  • Travel costs
  • Medical expenses
  • Debt consolidation
  • Emergency and other unexpected bills
  • Home renovations

How do loan repayments work?

Our loan application process is simple enough, more so the loan repayments! Our lenders will just set a day when to withdraw the loan repayments from your bank account. It could be a weekly, monthly or a fortnightly thing, depending on what’s convenient for you while making sure that the withdrawal will be aligned on your payday to ensure that there are funds in your account every time.

On your selected day, direct debit is set up to allow for the automatic withdrawal of your loan repayments without any hassle on your part. This will continue until such time as the loan is finally paid off and the direct debit set up will also be automatically stopped. This arrangement ensures that there is no need for you to even lift a finger when managing your loan repayments. You just have to make sure that there are enough funds in your account on the due date. Also, you have the option to get your loan paid out earlier than scheduled as this doesn’t come with any additional fees.

What happens if I’m unable to make the repayments?

We very well know that life isn’t always going to go according to plan and our lenders understand that too. If you’re concerned about possibly missing a repayment, make sure to get in touch with your lender as soon as you can. In most cases, they will need you to give them a notice of no less than 24 hours before your next repayment is due so they can at least work out a possible solution that will benefit all parties involved.

What’s a bad credit?

If you’re wondering about what bad credit is and how you get it, know that it is usually a result of financial actions and decisions you have made in the past which were then reflected on your credit history. You may have made a late payment or defaulted on a loan or on your other credit accounts. Once it is recorded on your credit records, this can have a negative impact. What’s worse is that many of the negative details in your credit report can stay there for as long as 7 years. This is quite unfortunate since that small financial mistake you mean can prevent you from getting access to credit even after 7 long years since you have committed it.

Is my credit score bad?

There are currently three major credit reporting agencies in the country. This includes Equifax, Experian and Illion. Depending on the credit bureau, your score can vary since they tend to have their own credit rating scales. Below is a breakdown of how credit scores are rated by Experian and Equifax.


  • Below Average- 0-549
  • Average- 550-624
  • Good- 625-699
  • Very Good- 700-799
  • Excellent- 800-1000



  • Below Average- 0-509
  • Average- 510-621
  • Good- 622-725
  • Very Good- 726-832
  • Excellent- 833-1200


How do I apply for a loan?

While ACDS is unable to offer loans with no credit enquiries, you have the option to apply for any of the personal loans that our lender partners offer. You can choose to sign up for up to $10000. To apply, just follow the steps below:

  1.       Send us an online application

To get your application started, just scroll up at the top of the page and use the slider to choose the specific loan amount you’re interested in borrowing. Choose your preferred repayment period as well. Once you’re happy with the details you’re seeing on the screen, just click Apply Now. This will redirect you to the online application form. Make sure to fill it out properly and accurately. Once all the required fields are filled out, just click Submit.

  1.       Wait as your application is assessed

Your loan application will then be assessed by our team of loan experts. After they have verified that your loan has met all of the requirements, they will then send it to lender partners within our network that are likely to offer the type of credit you need. If you send your application within our AEST business hours, there’s a fair chance you can get a result in just 1 hour. While this may not be an instant loan, but it is certainly the closest to one you can get!

  1.       Get your funds

If your loan application got approved, your lender should send you a loan contract. You need to carefully read and review the agreement before affixing your e-signature on it. Once you are happy with the agreement, just e-sign it and send it back to the lender. They will then proceed with getting your loan funds transferred. If your bank is NPP-enabled, you should get access to the funds within just 1 minute of signing the loan contract.

Fast Cash Loans

Types of ACDS Quick loans no credit check

ACDS, though pour partner lenders, offers different types of short term loans. Note that none of these loans can be considered no credit check types. However, you have the choice to sign up for a large. Medium or small bad credit loan. You can refer below for a more detailed view of these different loans:

Large loans

  • Secured
  • Loanable amount of $5000-$10000

Medium loans

  • Secured
  • Loanable amount of $2100-$4600

Small loans

  • Unsecured
  • $300-$2000

Who can apply with ACDS?

ACDS doesn’t claim that it can offer instant cash loans with no credit check to Australians. What we do offer through the lenders within our network is access to bad credit loans. In order to qualify, you must:

  • Be of the right borrowing age of no younger than 18 years old
  • Be a citizen or permanent resident of Australia
  • Have a working mobile number and email address
  • Be getting consistent income for at least the last 90 days and you’re receiving it into your bank account
  • Have online banking set up

What documents will be required from me?

To complete the application, you will be required to provide the following details:

  • Your personal information such as your name, date of birth, address
  • Reasons for taking out a loan
  • Your email address and phone number
  • Your employment and online banking details
  • Your myGov details if you are a Centrelink beneficiary

How do I build up my credit score?

If your credit score is problematic, there’s a very good chance that you’re looking for providers of no credit check loans online while fervently hoping you can indeed find one and secure a loan from them. You’ll find, however, that most lenders will perform some form of credit enquiry in compliance of regulations on proper lending practices.

Credit enquiries are part of legit lenders’ loan assessment. However, a bad credit score shouldn’t be the end of the story for you. Fortunately, there are several steps you can take which can help build your score up. Do understand that these are not quick fixes. Pulling up your credit score would require a lot of work over an extended period of time and will require consistency on your part as well. Given enough time, you’ll find that these steps will slowly pull your score up.

To improve your credit score, you must:

  1.       Send only an application for a loan that you truly need. This might be quite obvious but there are people that make the mistake of applying for way too many loans. Sending several loan applications within a short period of time can have a negative impact on your credit score. It doesn’t matter whether it got approved or not. The reason for this is that when you apply for credit, an inquiry will be created which will then be reflected on your credit file. If there are several hard inquiries on your record, it can cause your overall score to drop.
  2.       Avoid paying your bills past due. Something that lenders will want to check when they will receive a loan application is how reliable a borrower is going to be as far as repayments go. Naturally, they will want to see how well you have managed your bills as this can be an indication of how you are likely to behave as a borrower. Also, whenever you pay your bills late, it will be reflected on your credit records and will significantly bring your score down. If you ever find yourself having a hard time paying your bills before they are past due, you can always contact your providers because they may be able to help you out with bill smoothing. Often, this may be in the form of instalments instead of paying your bills in a lump sum.
  3.       Let your providers know if you move to a new address. The same goes true for your telco, utilities and other credit providers. While this isn’t going to directly impact your credit score, getting your bills sent to an incorrect address might cause you overlooking them and end up paying them late or missing a payment totally— things that are certainly going to cause a drop on your credit score.
  4.       Pay off your debts.  There’s a thing called credit utilisation ratio which is a figure reflecting the debt level you are in and this can have a huge role when determining what your credit score is. When you have more outstanding debt, it will cause your ratio to increase as well. People who get assigned the highest credit scores are often those with the lowest ratio. This is why it wouldn’t hurt if you will start working on getting your smallest credit accounts paid off, especially if these are high-interest ones too.

Reasons for taking out an ACDS loan

While we are unable to offer access to no credit check instant cash loan, we do work with lenders that offer personal loans that can be used for a variety of situations and financial needs. If you are wondering about the specific things you can use a personal loan for, we listed down some of the most common reasons borrowers take them out:

Car repairs

Has your car broken down and needs to get fixed immediately but your bank account is a bit low on funds? You won’t need to wait until your next payday in order to do so. ACDS can help you get connected to lenders offering personal loans that will let you borrow from $300-$10000. What’s good is that they will still consider you for a loan approval even with a bad credit score. While our lender partners are going to carry out a credit enquiry when you send in an application, they will also focus on your current financial situation as well as your capacity to pay the loan back. This is why they will check your current income and your bank statements to better assess your repayment capacity. When they see that you are in a good position to afford a loan, then there is no reason for you to get rejected.

Dental costs

An unexpected trip to the dentists isn’t just unnerving, it can be quite a challenge to your pockets too if you’ve not saved enough for the rainy days. However, this isn’t reason enough for you to get stressed out since you can easily use a personal loan to cover the bill. If you ever get an expensive dental bill for the removal of your wisdom teeth, a root canal or for getting braces, you can trust ACDS to help you get access to personal loans fast! While it is true that our lender partners are unable to offer instant cash loans without a credit check, we can at least guarantee you that even when your credit is bad, you will be given a fair chance at approval.

Wedding costs

Have you been trying to locate lenders offering instant loans to help cover the costs for your wedding day? It is easy for costs to build up when preparing for your big day. If you ever find yourself running a bit short on cash but your credit score needs some work, you can always apply for a personal loan at ACDS. Our lender partners are more than happy to take into consideration your current financial situation and not just your credit score. They will instead look at your income, your spending habits and your bank history and if they see that you have the means to repay a loan, you’ll be given a fair chance at an approval.

Need a loan today? Apply online!

Ready to apply today?

Applying for an ACDS loan has never been this easy. Instead of sorting through pages after pages of potential lenders, you can just send one application to ACDS and we will take care of the work of finding the right lender for you. We will not only help you save a ton of time but also the hassle of having to send multiple loan applications yourself. More importantly, the lenders we work with are known to process loan applications fast and once approved, will even process the fund transfer even faster!

If you’re interested in a personal loan, ACDS will be the perfect fit for you. Just scroll up and click on the Apply Now button to get redirected to our online application form. This might just be that much needed first step for you to get access to the funds you need. Apply today! (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.

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