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What is a payday advance?

by Casey Rowan | Feb 27, 2025 | Payday advance loans

What Is a Payday Advance? Payday Loan vs. Payday Advance If you’re in need of fast cash to cover unexpected expenses, you may have come across the terms payday advance and payday loan. While they sound similar, there are key differences between them in...

How can I get money ahead of payday?

by Casey Rowan | Feb 14, 2025 | Payday advance loans

How Can I Get Money Ahead of Payday? Payday Advance Loans in Australia Waiting for payday but need cash urgently? It can happen to the best of us, and at times things just don’t go to plan and you have to come up with cash for something unexpected, and then you...

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Why Are Some Loan Applications Declined?

The five most common reasons applicants aren’t approved:

Dishonours on bank statements – 33%
Repeat or incomplete applications – 24%
Poor credit history – 20%
Insufficient income or unstable cash flow – 18%
Overall risk – 16%

Think you’re ready? Check your eligibility below or come back when you're confident.

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Basic Eligibility I am an Australian resident and 18 years or older
I can provide online bank statements
Less than 40% of my income comes from Centrelink
I am not bankrupt and have no debt agreements

Do You Have Good Credit? Yes, my credit history is okay
No, I have bad credit or am unsure

Final Check (Good Credit) I haven’t opened a personal loan in the last 90 days
I have fewer than two payday loans under $2,000
No gambling transactions on bank statements
No arrears, dishonours, or debt collections
No wage-advance services in the last 90 days

Requirements (Bad Credit) Monthly income is at least $2,600
Less than 50% of income from Centrelink

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