There are lots of ways to damage our credit, but not many ways to get credit after the damage is done. There is an increasingly popular credit source for Australians, the short term loan or payday loan, as it is commonly called. The payday loan is a cash advance on your next pay check and so usually the only requirement for this type of loan is verifiable employment in Australia. Because the criteria is employment, your credit score has little to do with approval. The employment verification process can be done in four(4) ways.
- Call to work – This method is not as scary as it sounds. Due to privacy laws in Australia, the reason for the call or the company calling can not be revealed unless the applying party is on the phone. So worries about disclosure of the desire or need for a cash advance is not an issue.
- Bank Statement – A copy of a bank statement, either of a hard copy statement or online bank statement showing the employing company name. The statement needs to be no older than 30 days.
- Payslip – A copy of a official payslip with letterhead or company logo showing direct deposit details, such as account number and BSB number. This document also needs to be 30 days or less in age.
- Payroll Letter – There are instances where either due to recent employment and a first payslip or a direct deposit on a bank statement are not available yet, that a payroll letter will suffice. This document will need to include direct deposit details i.e account and BSB numbers, amount to be received and date of pay. This document will also need to have a company letter head and provide payroll officer contact details and signature.
Having accessed our financial needs and determined that a payday loan is indeed desired and that all criteria is met and documentation available, we then can research payday loan providers. The newest form of getting cash advances and emergency cash in Australia is the Online payday loan. This is becoming popular for several reasons.
- Discrete – Loan from home, office or anywhere there is an Internet connection.
- Fast – All information can be provided and verified electronically. Australians, though predominantly coastal dwellers, can also be found deep into the Outback and can be quit removed from access to traditional payday loan companies as well as banks and fax machines.
- Convenient – Online payday loan providers can be researched and and applied for without travel. As mentioned in the previous point, the distances to city centers or access to loaning institutions can vary, sometimes up to great distances for Australians in the Outback.
- Secure – All transactions are done electronically, through heavily encrypted sites and deposited bank to bank. There is no need to carry or travel with money, removing fear of theft or loss.
They acquiring of a short term payday loan in Australia with bad or no credit can then be done online in three(3) short steps.
- Complete Online application.
- Call in and provide documentation.
- Receive money directly to your bank!
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Wow. Thankyou for sharing. I certainly did not think about this particular issue in this way before and it opened some serious discussion for me on this topic.
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