If you live in Adelaide or its surrounding areas, and you are looking to take out a short-term cash loan, Cash Australia might be your ideal lender.
Our loan services can now be accessed online, and in fact the whole process of applying for and being approved for a loan can be completed online, from start to finish. But because our national head office is actually located at 33 John St, Salisbury, Adelaide, if for any reason you can’t use our on-line services, one of our expert friendly team members will be more than happy to meet with you in person, or chat with you via telephone on (08) 8281 9383.
Essentially, at Cash Australia we offer two types of loan structures.
Firstly let’s look at our:
Small Account Credit Contracts (SACC)
With them you can borrow from between $300 to $2000. These loans are paid back over a period of between 16 days and 12 months. This type of loan is often helpful to people that, for one reason or another, have found it difficult to secure funds with other lenders like as banks and other lending institutions.
As with all our loans, our fees, and terms and conditions, are simple, clear, and easy to understand. With this first type of loan our establishment fee is 20% of the loan amount and the monthly loan fee is 4% of the amount borrowed.
If you need to access a higher loan amount we also offer:
Medium Amount Credit Contracts (MACC)
With these you can access a significantly a higher loan amount, and also have longer to pay the loan back—in fact up to 2 years if you need it. We should actually mention that with all of our loans, unlike some other lenders, you incur absolutely no penalties for paying back your loan earlier than arranged. You can pay back as much as you like above the minimum repayments, as often as you like.
Again the fees with this second type of loan and terms and conditions, although slightly different to the first structure we looked at, are simple and clear. With this second type of loan, we have a flat rate establishment fee of $400 but once again your monthly loan fee will only be 4% of the amount borrowed. You’ll find these rates and fees extremely competitive when looking at what is on offer from other companies in our sector.
So that’s the loans and how we structure them.
If you can see either one of them working well for you, just jump on and fill out our simple online application. It’s a no obligation exercise that you can do just to see if we’ll be able to approve a loan to you.
And as mentioned, if you’re not 100% comfortable doing things online just call one of our friendly staff on (08) 8281 9383. They can chat with you on the phone, or because we’re based conveniently right here in the northern suburbs of Adelaide, have you drop into the office, or might even be able to meet up with you at a convenient spot?
Our whole attitude at Cash Australia, and the essence of our business right from day one when we opened our doors here in Adelaide has been based on being of service to you. We think you’ll find our approach different and refreshing.
For people hesitant about applying, we understand. You may have been knocked back on loans in the past and don’t want to be knocked back again. Well here’s an important point that might give you confidence in applying with us. We don’t worry about bad credit histories
When you look at it, very few people have faultless credit histories. In this day and age of people having multiple direct debits coming off their cards and out of their accounts, payments can easily be missed. Truthfully, who out of any of us could say we our balance in an account didn’t slip a bit low at one time or another and our gym membership, or internet payment could not be processed?
Many lending companies just run your application through a computer algorithm that makes a decision on your loan after looking at the numbers—but you’re not a number?
At Cash Australia, like you, we operate in the here and now, and will work through your application based solely on its merits.
So, what are you waiting for? Apply online or give us a buzz today, take action and make a financial difference in your life!