AU Cash Loans

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So what exactly is a Payday Loan? Essentially it's a small loan with repayments that are aligned with the borrower's pay day. The term originated from the UK where payday lending has experienced massive growth over the past decade but now is outstripped by the United States in terms of volume of loans. It's also becoming better known in Australia as it's a convenient way of obtaining credit in a fast, hassle-free process that's totally online. Statistics show that a borrower is more likely to meet their repayments if they are scheduled to come out on their pay day. It also takes the hassle out of having to budget for a repayment or remember when a repayment falls due.
One of the major differences between Payday Loans in Australia and the rest of the world, is the cap on fees introduced by the Australian Government. This is good news for borrowers in that small loans under $2000 and between 16 days and 12 months in duration are capped to a 20% establishment fee and a 4% monthly fee. It's a simple fee structure that's easy to understand and almost universally charged by all payday lenders. Most of our loans are around 30 days in duration, but Payday Loans can be longer. This means that if you applied for a $400 loan over 30 days then your total repayments equal $496.
We can offer Payday Loans economically because the entire process is online, from your application right through to when your loan is repaid. The application takes as little as 5 minutes and you'll have an answer in less than an hour.

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