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How to get an Instant Cash Loan with no Credit Check


We get it. You are unemployed, and your credit rating is terrible. You badly need cash and are having a hard time finding a lender that will accept you. We at ACDS understand your situation and are here to help.

We at ACDS aim to provide every Aussie that is having a hard time the opportunity to recover by helping them find a reputable money lender that will accept them and grant them loans that will help them deal with their current situation.

Here at ACDS, you will find a friend in us. We will use our extensive network of reputable money lenders and pair you up with a suitable lending company that will help you – all free of charge!

However, we at ACDS do not guarantee that the moneylender we will pair you up with will not perform a credit check. The conduct of a credit rating check is always up to the money lender’s discretion, but rest assured since we recommended them, they will surely consider your situation and will most likely help you.

How can ACDS help me find Quick Cash Loans with No Credit Check


ACDS is Australia’s most exceptional loan finding service. With our assistance, finding a loan company that will accept you in your current condition can be as fast as 5 minutes.

We have been in the industry for almost ten years and counting and have developed and established secure connections with all of Australia’s premier and reputable money lending companies. With our help, you can look forward to finding a reliable money lender for a quick cash loan that will help you alleviate your financial situation.

Benefits in applying for a Quick Cash loan through ACDS

  • Going with ACDS will assure you that you will not get yourself involved with sketchy lending companies that might cause more trouble than help in the long run.
  • We at ACDS pride ourselves as helpers of every Aussie that is having a hard time finding loans. Thus, we will only recommend you legitimate and licensed money lenders.
  • With our help, you will save a lot of time and effort in finding a money lender that will accept or even consider granting you a loan, given your current credit standing. We process applications and can bring results as fast as 5 minutes.
  • ACDS understands your situation. We do not want you to go further down bankruptcy; we will pair you with reputable money lenders that will help and not take advantage of your situation.

 

Need a loan today? Apply online!

What are Quick Cash Loans with No Credit Check?


A quick cash loan with no credit check is basically an instant loan that a person can apply to regardless of their credit standing.

A person’s credit standing is one of the most essential requirements when taking out loans. However, to accommodate people with bad credit standing and are in dire need of cash, quick cash loans that don’t solely use the person’s credit standing were introduced.

However, most quick cash loans are only limited, depending on the assessment of the lending company. But hey, if you are in a financially tight spot, a few hundred dollars will surely help your situation.

If you are in need of a quick cash loan, we at ACDS will surely help you find the perfect money lender for you in just a few minutes.

Why does Credit standing matter?


As mentioned above, credit rating or score is one of the bases that lenders use to assess your capacity to absorb and pay off debts. And depending on your credit score, lenders will then be able to decide on how much money they can grant you through a loan.

A credit score is usually based on the following information;

  • Personal Details (Identity, Age, Current Job, Assets, Liabilities)
  • Your past dealing with creditors (types, duration of the transaction, the amount borrowed)
  • Any outstanding or unpaid debts
  • Restructured debts
  • Other debt instruments such as insolvency, bankruptcy, etc.

In Australia, there are two major agencies that compute credit scores – Experian and Equifax. And these two significant players’ credit scores are usually the ones being used by most lenders in the country.

Scoring reference for Experian;

Excellent : 800 – 1000
Very Good : 700 – 799
Good : 625 – 699
Fair : 550 – 624
Weak : 0 – 549

Scoring reference for Equifax;

Excellent : 833 – 1,200
Very Good : 726 – 823
Good : 625 – 622 – 725
Fair : 510 – 621
Weak : 0 – 509

Simply put, the higher your credit score is, the larger amount and easier it will be for you to apply for a loan. However, this doesn’t mean that you won’t be able to borrow money if your credit score is weak. There will still be lenders that will help you if you exert the effort and time.

Fortunately, with our lenders’ ACDS network, finding a willing lender for your bad credit score will be just 5 minutes away. With our assistance, you will most likely be able to apply for a Quick cash loan with no credit check and save much-needed energy and time for dealing with your financial problem.

How Can I Apply For Quick Cash Loans with ACDS


As Australia’s premier loan finding service, ACDS will help you find a reputable and legitimate lending company that will be willing to consider granting you a Quick cash loan despite your credit standing.

Keep in mind that we at ACDS will not be the one to grant you the loan. We will just serve as your helping hand and make your life easier in finding a lender that will loan you some money for your current situation.

Here’s how you can apply for a quick cash loan through ACDS;

  • The very first thing that you need to do for us to help you find a lender is to meet the requirements.
    1. Be at least 18 years old
    2. An Australian resident / Permanent resident with complete documents
    3. A steady stream of paycheck or income in your bank account for at least three months.
    4. Working mobile number
    5. E-mail address
  • After you meet the initial requirements, the next step is to apply through our online platform. We have an online loan calculator that will give you an estimate of the periodic repayment amounts that you will shoulder, depending on the desired loan amount and payment terms that you will enter.
  • Once you decide on the loan amount, click Apply, and you will be redirected on our application form, which will require you to fill in some important details. However rest assured, that your banking details will only be accessed via “read-only.” It will be used solely to verify and assess your income.
  • Upon submission of your application form. We will do our magic and find you a suitable lender through our extensive network of Australia’s legitimate and reputable money lenders.
  • As quickly as 5 minutes, we will then be able to transfer and match you to a suitable lender that can grant you your preferred loan amount and repayment terms. And from there, our service ends, and you will be directly dealing with the moneylender.

Take note that the moneylender may or may not conduct a further assessment for your loan. And ACDS will not influence this. We do not guarantee that they will not perform a credit check on you.

However, if all goes well, the moneylender will send you a digital loan contract for you to sign. And upon agreement, the money will then instantly be sent to your bank account. And you’re done.

Alternatives to Quick Cash Loans with No Credit Check


In the event that we do not find a lender that will accommodate your preferred loan amount and terms, or you decide not to go for a quick cash loan, then we will still be able to help you.

ACDS specializes in finding loan providers for all kinds of financial needs. We make your life easier and faster. Regardless of the reason for your loans, we will find you the best-suited lender for you.

As an alternative to quick cash loans with no credit check, we highly recommend applying for a personal loan instead. Personal loans are versatile loans that can offer small to large amounts depending on your qualifications. Furthermore, personal loans can be short-term or long term and unsecured or secured by a collateral.

Personal loans are generally categorised into 3;

  1. Small Personal Loans
    • Loan amount : $300 – $2,000
    • Payment term : Up to 12 months
    • Does not require collateral
  2. Medium Personal Loans
    • Loan amount : $2,100 – $5,000
    • Payment term: 13 – 24 months
    • May or may not require collateral
  3. Large Personal loans
    • Loan amount : $5,000 – $10,000
    • Payment term: 13 – 24 months
    • May or may not require collateral

Depending on your needs, personal loans’ versatility will allow you to get just the right amount of money and avoid incurring unnecessary debt. Thus we highly recommend personal loans especially for situations such as;

  • Urgent travel
  • Repair costs
  • Emergency medical bills
  • Education expenses
  • Vacation expenses
  • Business opportunities and;
  • Invesments

Apply for a personal loan now, and we will find you a suitable lender as quick as 5 minutes.

Apply for a Quick Cash loan or a Personal loan now


What are you waiting for? Let us help you find the perfect money lender to help you in your situation.

Whether it is a quick cash loan with no credit check or a personal loan, ACDS will find the best lender for you in just 5 minutes.

Frequently Asked Questions


Can I still borrow money with my terrible credit score?

Yes. You can still borrow and apply for a loan even with a terrible credit score. The only problem is – it will be hard and time-consuming. Fortunately, we can help you. ACDS specializes in finding the right loan provider to help you given your circumstances. We will pair you with a lender that will see and assess you beyond your credit score.

Will you check our credit score?

ACDS will not perform a credit score check on our clients. We are not a loan provider. ACDS services are limited to finding and pairing you up with a loan provider capable of granting your desired loan amount and repayment terms.

After we pair and refer you to the loan provider, they may or may not perform a credit score check on you. However, rest assured that the loan provider we refer will understand your situation and assess you beyond your credit score.

I am unemployed, can I still get a loan?

Theoretically, you can still apply for a loan even if you do not have the job. As long as you meet the basic requirement of an Aussie in applying for a loan which are;

At least 18 years old
Australian citizen or permanent resident with complete records
Steady income for the past 3 months

As long as you meet these requirements, you can still apply for a loan and make use of our services.

I am unemployed and have no income, can I still get a loan?

ACDS will not be able to guarantee that you will be granted a loan. The final decision on whether to grant you a loan or not is entirely up to the lender. ACDS does not grant loans, and our services are only limited to finding you a suitable lender.

However, you can still apply and use our services; they are completely free of charge.

My loan application failed, what happened?

ACDS does not influence the decision on granting you a loan or not. It is the lender that will solely decide, depending on your current situation.

However, you can still apply and use our services; they are completely free of charge.

Can I apply for loans even on weekends and beyond office hours?

Yes, but there is a catch. Our services are 24/7. As long as you have access to the internet, you can make use of our services.

However, you might experience some delays in the services of the lender if you applied during off-hours and weekends since some lending companies only operate and process loan applications during traditional hours, even if they have an online platform for their services.

Will I get the proceeds of my loan immediately?

Ideally, you should get the proceeds of your loan immediately upon approval of your loan application. However, there are cases when there are delays due to the bank-transfer exchanges and processing between the lender and your bank.

Can I decline the loan offered to me?

Yes, you can always decide to decline the loan contract offered to you. If you suddenly change your mind and plans, then you can still cancel and reject the loan offered to you. There will be no charges and penalties charged.

What are payday loans?

Payday loans are short-term loans that use your next paycheck as collateral. While we can help you find a lender that will grant you payday loans, we do not

Can I use my Centrelink payments as proof of income?

Yes. ACDS has partnered with numerous lenders that accept Centrelink payments as proof of your income. With our services, we can pair with a lender that can grant you quick cash loans or even personal loans.

What happens when I miss my payments?

Depending on your loan agreement with your loan provider, they may or may not impose penalties should you miss your loan payments. However, even if they don’t impose penalties for missed payments, we highly recommend you to contact your loan provider immediately when you miss your payments to avoid future complications.

What are the costs of loans?

The primary costs of loans are charges and interests. Although Australia has set standards and regulations for loans, different lenders have different policies when it comes to their costs.