There are options in payday loan providers in Australia as well. First there is the method, Store front or Online? Then there is the need in both amount and speed of delivery.

There are several online payday loan providers to choose from, so making an informed desision is important. Here are a few good reasons why Payday Loan OZ is a right choice.

Fast – Approval can happen in a hour and once approved your cash advance can be sent to your Bank the same day. Often when unexpected bills or necessary purchases arise in between paydays, it is important that we get that emergency cash right away.

Easy – The application is online and approval is done by a polite and professional customer service representative. There is just some basic information that is collected by the online application and then when you either contact or are contacted by a customer service represenative you will receive professional and informed service to make your loaning proccess easy and worry free.

Convenient – Your application is done online and by phone and if you have online banking or your own fax machine you would never have to leave your home or office. All funds are then credited and debited electronically for your convenience.

Secure – The information you submit will always be safe and private and never sold or shared in anyway. As well, the information once submited it is stored in an extremly secure data base, exactly like the one banks use.

Private – The proccess is designed to never divulge your business and your right to get a payday loan to your employer or anyone for that matter. Your business is your business and Payday Loan OZ will respect this in the highest regard.

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1. The application is done online. You do not need to travel or find the location. Just complete the application online from home, office or wherever you can get an Internet connection.
2. No credit check. There is no time needed to research your credit and waiting for results. All you need is to be employed and receive direct deposit into a bank account.
3. Possible faxless loaning. With the use of online banking, it is possible to email in documentation using the print screen or screen dump application. Once again with just a computer, you can complete the online application and provide required documentation without leaving the house.
4. Direct credit and debit. Steps one to three can be completed in less than an hour and then your cash advance can be sent to your bank the very same day.

So to sum up. You can wake up in the morning, find out you have a unexpected bill or the car doesn’t start or one of many things that can occur in life to tax an already tight budget. Then in a hour or less, you can have a second cup of coffee knowing that need is taken care of and funds are being sent to your bank the same day. You can’t put a price on peace of mind.

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“In Australia, the amount of personal loans has reached $7 billion in August this year.  The Australian Bureau of Statistics revealed that the fixed and revolving credit personal loans grew by 4.1 percent reaching $7.18 billion…”

“In Australia, the amount of personal loans has reached $7 billion in August this year.  The Australian Bureau of Statistics revealed that the fixed and revolving credit personal loans grew by 4.1 percent reaching $7.18 billion…”

The nature then of secrecy does not leave many places to find out what payday loaning is all about.  So here is the low down.

To be eligible for a Payday loan you must:

• Be at least 18 years of age
• Be a resident and employed in Australia
• Have a checking or savings account
• Have a minimum net income of $334 per pay period 

And the process is simple….

Here are a few steps to get started : 

1.  Fill in our simple and secure online application form at Payday Loan OZ and press “Submit”
2. A message will appear stating that your application has been pre-approved. If you do not see this message, check your email for further information.
3. One of our customer care representatives will contact you either by phone or by email to verify your information or you can follow the emailed prompts and call in yourself.
4. Once you are approved, you can get your cash advance sent to your bank  on the same day and the bank usually process it in one to two business days.

Some other notable information is that there is no credit check,  so this service is available if you have no credit or bad credit. As well the process is designed to never divulge your business and your right to get a payday loan to your employer or to anyone for that matter.

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• There were an estimated 36 million debit cards and 16 million credit
  cards in circulation in Australia in 2009. (Source: Euromonitor
  International, January 2010)

• Reserve Bank of Australia “figures show mortgage, credit card
  and personal loan debts now stand at $1.2 trillion, up 71 per cent from
  just five years ago and equating to $56,000 for every man, woman and
  child in the country.” (Source: Sydney Morning Herald, December 2009)

• Debit card ATM withdrawals per account dropped 6.3 per cent in 2009 to
  2.39 a month last year. That’s compared with 2.55 in the previous year
  and 2.62 in 2006. (Source: The Australian, January 2010)

• Australia’s total rate of cheque and payment card fraud has risen to 9
  cents for every $1,000 of payments, up from 7 cents. (Source:
  Australian Payments Clearing Association, December 2009)

• Australians spent $19.189 billion on credit and charge cards in October 2009. (Source: Reserve Bank of Australia, December 2009)

• The average credit card account balance was $3,141 in October 2009. (Source: Reserve Bank of Australia, December 2009)

• Total credit and charge card balances outstanding stood at $45.153
  billion in October 2009. (Source: Reserve Bank of Australia, December
  2009)

So hey, we got into a little credit trouble and the pipes burst or the cat gets sick (don’t get me started about vet bills!) and we need help. That is where the Sort Term Payday Loan Cash Advance steps in to save the day.  The fees are higher then maybe the secured loan rates  and  have to be because of the high risk nature of not checking credit, but then again still lower than credit card acrued interest rates.

If you need a quick cash advance it doesn’t get much more convenient then the Online Cash Advance, just fill out the fast and safe online application and get the help you need.

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A new online payday loan cash advance provider, Paydayloanoz.com, has joined the Internet. Payday Loan OZ  prides itself in safe, fast, convenient and affordable service. The only way to apply is online, as there is no storefront needed in this service. But there is still a human touch. After you apply in Australia, you will be prompted to call Customer Care to finalise and verify the basic requirements, such as employment and direct deposit to a bank account you are an account holder of. The company is Australian and all funds come from an Australian bank, Commonwealth Bank, but the customer service is in Canada. So after applying online and call in, you will get kind, professional service with a Canadian accent.

Online service security goes both ways, it is advisable to be cautious providing personal information online as well as from the provider stand point there is less personal verification possible. None the less, there is still no credit check done just like in the early short term unsecured loans. In order to lower the risk factor, there is a first time loan limit of $300.00 AUD, and then as a personal loaning history is built, you can loan up to $1000.00 AUD.

If you are in need of a short term payday loan cash advance for your emergency cash needs, Paydayloanoz.com has thrown it’s hat in the ring as a new online payday loan provider.

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SKILL ONE: Print Screen Instructions

SCREEN CAPTURE – PRINT SCREEN

 The following procedure outlines the steps to capture image on computer screen and save online document (example: bank statement or pay stub) to be attached to an email.

USING PC

 1. Click on the Title Bar of the window of which you would like to take a screen shot This will make the window active

2. Hold down the ALT key then press the PrintScreen key on the keyboard simultaneously

3. Open the Paint program from Accessories menu Go to Start  Programs Accessories Paint Paint program application window appears or open a blank Microsoft Word document.

4. Click Edit on the menu bar

5. Click Paste Picture of the window will appear

6. Click File on the menu bar

7. Click Saves As Save As dialog box will appear

8. Select Desktop in the Save in: drop-down box

9. Enter the filename of the document in the File name: box

10. Select the appropriate extension in the Save as type drop-down box

 11. Click the Save button

12. Open the webmail

13. Compose the message

14. Attach the document that was saved on the Desktop

 USING MAC – KEYBOARD METHOD

 To capture a selected portion of your screen to the Clipboard on a Macintosh computer, you must use a combination of four keys: Apple + Control + Shift + 4.

1. Adjust the screen contents to your liking and then press Apple + Control + Shift + 4 key. Your mouse cursor will change from an arrow to a plus sign.

2. Drag the mouse pointer (+) over the area you wish to capture.

3. Release the mouse button. You will hear a little click to indicate that the screen image has been captured to your Clipboard.

4. Open any application (i.e. Word, Powerpoint) and select Edit, Paste. You can also select the Paste icon from the standard toolbar.

5. Save the captured image (using the appropriate file extension) on the Desktop

6. Compose message in the appropriate webmail

7. Attach the saved image to the email  You can also capture the entire screen to the Clipboard by pressing Apple + Control + Shift +3.

 USING MAC – GRAB APPLICATION

 When walking  through obtaining a screen capture, the first thing you have to do is locate the Grab application and then use it to capture the screen shot.  This is a quick tutorial on how to do exactly that.   Locate the Grab Application and dock the application for quick access

 Use the Grab Application to capture the screen image

 Save the image  Quick Steps – locate the Grab Application and dock the application for quick access Hard Drive -> Applications -> Utilities -> Grab Application

1. Double click the hard drive icon located on the top right hand corner of the screen. List of folders will be displayed; the Applications folder will appear as the first icon in the list.

2. Double click the Application folder

3. Double click the Utilities folder as shown below

 4. Select the Grab application.

5. Drag and drop the Grab application on the dock Note:

 Quick Steps – use the Grab application to capture the image on the screen Grab -> Capture -> Screen -> “click once with your mouse”

1. Double click the Grab application Notice the finder has changed. It now has up in the top left corner by the Apple, the Grab application with options there beside it.

 Menu bar will appear as shown below:

 2. Select the Capture option in the Grab Application menu.

 3. Select Screen A pop up will appear stating the following: “To capture the screen, click outside this window. (This Window will not be included in the screen capture.) etc…   Quick Steps – saving the image as a file File -> Save As… -> “ScreenCapture.tiff” on the Desktop.

 1. Select File option, located on the main menu on the top left of the screen right beside the Apple icon

2. Select Save As. A dialog box will open for the customer to choose where to save their file

3. Save the file on the Desktop Note: Use the filename “ScreenCapture” with appropriate file extension.

4. Select save

5. Compose the email in their own webmail

6. Attach the file saved on the Desktop to their newly composed email

SKILL TWO: Clearing Cache

CLEARING CACHE

Below are step-by-step instructions on how to clear cache using some of the most common browsers

 MICROSOFT INTERNET EXPLORER 8.0

1. Click Safety at the top of your browser

 2. Click the box next to Temporary Internet Files and History

3. Click the Delete button

4. Click the Refresh button at the top of the browser

MICROSOFT INTERNET EXPLORER 7.0

1. Under the Tools menu at the top of your browser, select Internet Options

2. Click the General tab

3. Under Browsing history, click Delete… button

 4. Next to Temporary Internet Files, click Delete files… button

 5. Next to Cookies, click Delete cookies…button

 6. Click Close

 7. Click OK to exit

8. Click the Refresh button at the top of the browser (two green arrows going in a circle) 

 MICROSOFT INTERNET EXPLORER 6.X

1. Under the Tools menu at the top of your browser, select Internet Options

2. Under the General tab, click Delete Cookies A dialog box will appear asking, “Delete all cookies in the Temporary Internet Files folder?”

 3. Click OK

4. Click Delete Files

5. A dialog box will appear that states, “Delete all files in the Temporary Internet Files”

6. Click the box next to Delete all off-line content

7. Click OK

8. Click OK again

9. Click the Refresh button at the top of the browser (two green arrows going in a circle) 

 NETSCAPE NAVIGATOR

1. Click Edit in the menu bar at the top of the browser

 2. Click Preferences

3. In the Preferences dialog box, select Advanced/Cache

4. Click Clear Disk Cache

5. Click OK

6. Click the Reload button at the top of your browser (This is the button to the right of the Forward Button)

 AMERICA ON-LINE

1. Click Settings on the AOL tool bar

2. Select Index on the Settings page and click Internet Options under the “I” in the alphabetized list

3. Click the General tab at the top of the Internet Properties dialog box if it is not already selected

4. In the Temporary Internet files section, click the Delete Files button

5. A dialog box will appear that says, “Delete all files in the Temporary Internet files”

6. Click OK

7. Click OK to leave the AOL Internet Properties dialog box

8. Close the Settings window

9. Exit and restart America On-line

MOZILLA FIREFOX FOR PC

1. Click Tools in the menu bar at the top of the browser and select Options

2. Once the option box appears, click Privacy

3. In the Private Data area, click Clear Now

4. Click Okay

5. Reload the browser 

 SAFARI VERSION 1.0/2.0 FOR MAC

1. Click on Safari at the top of the screen and select Empty Cache

2. Click Empty on the Are You Sure Message box.

3. Exit and relaunch the browser.

MICROSOFT INTERNET EXPLORER 4.0, 4.01, 4.05 AND 5.0 FOR MAC

1. Click on Edit and select Preferences.

2. Click the arrow beside Web Browser.

3. Click Advanced.

4. Click Empty Now and then OK.

5. Exit and relaunch the browser

 OPERA

1. Click File and select Preferences

 2. From Preferences, click to select History and cache

3. Click Empty now

4. Click OK

5. Exit and relaunch the browser

GOOGLE CHROME

1. Click the Tools menu (the wrench in the upper right corner)

 2. Click Clear browsing data…

3. Check the following boxes:  Empty the cache &  Delete cookies

 4. Click Clear Browsing Data

5. Exit and relaunch the browser

FIREFOX 3 FOR MAC OS X

1. Click Tools from the menu

2. Select Clear Private Data

3. Ensure Cache and Cookies are checked

4. Click Clear Private Data Now

FIREFOX 3.5 FOR MAC OS X

1. Click Tools from the menu

2. Select Clear Recent History…

3. Click Everything

4. Click Clear Now

5. Exit and relaunch the browser

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CLEARING CACHE

Below are step-by-step instructions on how to clear cache using some of the most common browsers

 MICROSOFT INTERNET EXPLORER 8.0

1. Click Safety at the top of your browser

 2. Click the box next to Temporary Internet Files and History

3. Click the Delete button

4. Click the Refresh button at the top of the browser

MICROSOFT INTERNET EXPLORER 7.0

1. Under the Tools menu at the top of your browser, select Internet Options

2. Click the General tab

3. Under Browsing history, click Delete… button

 4. Next to Temporary Internet Files, click Delete files… button

 5. Next to Cookies, click Delete cookies…button

 6. Click Close

 7. Click OK to exit

8. Click the Refresh button at the top of the browser (two green arrows going in a circle) 

 MICROSOFT INTERNET EXPLORER 6.X

1. Under the Tools menu at the top of your browser, select Internet Options

2. Under the General tab, click Delete Cookies A dialog box will appear asking, “Delete all cookies in the Temporary Internet Files folder?”

 3. Click OK

4. Click Delete Files

5. A dialog box will appear that states, “Delete all files in the Temporary Internet Files”

6. Click the box next to Delete all off-line content

7. Click OK

8. Click OK again

9. Click the Refresh button at the top of the browser (two green arrows going in a circle) 

 NETSCAPE NAVIGATOR

1. Click Edit in the menu bar at the top of the browser

 2. Click Preferences

3. In the Preferences dialog box, select Advanced/Cache

4. Click Clear Disk Cache

5. Click OK

6. Click the Reload button at the top of your browser (This is the button to the right of the Forward Button)

 AMERICA ON-LINE

1. Click Settings on the AOL tool bar

2. Select Index on the Settings page and click Internet Options under the “I” in the alphabetized list

3. Click the General tab at the top of the Internet Properties dialog box if it is not already selected

4. In the Temporary Internet files section, click the Delete Files button

5. A dialog box will appear that says, “Delete all files in the Temporary Internet files”

6. Click OK

7. Click OK to leave the AOL Internet Properties dialog box

8. Close the Settings window

9. Exit and restart America On-line

MOZILLA FIREFOX FOR PC

1. Click Tools in the menu bar at the top of the browser and select Options

2. Once the option box appears, click Privacy

3. In the Private Data area, click Clear Now

4. Click Okay

5. Reload the browser 

 SAFARI VERSION 1.0/2.0 FOR MAC

1. Click on Safari at the top of the screen and select Empty Cache

2. Click Empty on the Are You Sure Message box.

3. Exit and relaunch the browser.

MICROSOFT INTERNET EXPLORER 4.0, 4.01, 4.05 AND 5.0 FOR MAC

1. Click on Edit and select Preferences.

2. Click the arrow beside Web Browser.

3. Click Advanced.

4. Click Empty Now and then OK.

5. Exit and relaunch the browser

 OPERA

1. Click File and select Preferences

 2. From Preferences, click to select History and cache

3. Click Empty now

4. Click OK

5. Exit and relaunch the browser

GOOGLE CHROME

1. Click the Tools menu (the wrench in the upper right corner)

 2. Click Clear browsing data…

3. Check the following boxes:  Empty the cache &  Delete cookies

 4. Click Clear Browsing Data

5. Exit and relaunch the browser

FIREFOX 3 FOR MAC OS X

1. Click Tools from the menu

2. Select Clear Private Data

3. Ensure Cache and Cookies are checked

4. Click Clear Private Data Now

FIREFOX 3.5 FOR MAC OS X

1. Click Tools from the menu

2. Select Clear Recent History…

3. Click Everything

4. Click Clear Now

5. Exit and relaunch the browser

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