$50 to $5,000 paid out by 15:54 *

Fast Cash Loans

Fast 3 to 36 Month Online Loans


Fast Cash Loan: Get Quick Cash Loan When You Apply Now!

You can access quick cash loans up to an amount of $10000 with IAFC. There is the benefit of easy experience for quick cash loan applications. You do not need any paperwork. Just take the opportunity of the flexible terms of repaying the loan also. Get the fast cash loan you need when you apply today.    

Fast Cash Loans – What Are They?

These types of loan is usually a small, unsecured loan that could be up to 2,000 dollars. Typically, they are for individuals who have bad credit, and their repayment period is up to 12 months. These quick cash loans have a very fast processing time, making them perfect for those who require quick cash. IAFC can also locate available lenders who offer personal loans for a short term up to 2,000 dollars or below. 

Need a loan today? Apply online!

Quick Cash – Are lenders offering small bad credit loans?

 Yes. In the past, lenders tend to steer clear from applicants with less than spotless credit records. Thankfully, this lending mindset has significantly shifted these days with more lenders becoming more understanding of a borrower’s specific financial circumstances when determining whether to approve instant online loan applications or not.

Lenders offering these types of loans are focused on a different aspect than just the credit score. Instead, they will be looking at other aspects that will help them determine whether it will be worth it to lend you money or not. Whilst most of these lenders will still carry out a credit assessment, they will also take a closer look at how much money you are earning versus how much money you are spending to decide whether you indeed have the capacity to meet the repayment finance requirements or not.

This is why if you have managed to get yourself set up in a better financial standing, it doesn’t matter if your credit score may not look as spotless. Provided that the lenders can see that you have the means to pay back the loan, they will be more than happy to overlook some of the credit mistakes and missteps you have committed in the past.

However, you have to also consider that not every lender out there will be happy to let you avail of bad credit small loans. This is why there is no such thing as guaranteed approval. At the end of the day, there is no insurance and it will be the lender’s discretion whether to approve the application or not.

Apply Bad credit small loans –  Can I work on my credit so that I can apply for a Loan 

 If you wish to avoid getting bad credit financing, you’ll find that there are ways for you to pull your credit score up. It will, however, take some time.

It’s important to remember that whatever your credit score is, it is the result of how you have acted as a borrower. The actions you took when you took out credit in the past will be reflected on your credit rating. In most cases, actions that have to do with your borrowing or your finances are likely to stay on your record for the next seven years. However, even when you have made missteps in the past, provided that you will work towards crafting a better borrowing habit moving forward and for a long time, you can trust that this will reflect in a better, more improved credit standing 

There are a number of strategies you can implement to get these results. Among these are:

  •         Getting your bills paid in full and on time
  •         Keeping a minimum credit card debt
  •         Relying only on your credit when you need it
  •         Regularly keep track of your credit report to ensure that there aren’t any incorrect listing or mistakes in the entry

Fast Approval Loans

Application Unemployed – Can I submit an Application for a small loan?

 There may be lenders that will consider offering you a loan for a small amount despite the fact that you are unemployed. However, these loans will generally come with certain conditions— typically, significant ones.

To qualify, you need to offer proof that you have some form of income that you are receiving regularly. This doesn’t necessarily be a regular wage. It could also come in the form of payments that you have received from a place you may have rented out or you can also use benefit payments in lieu of a regular salary.

Without any form of income, there’s no chance that lenders will consider letting you take out a loan as most lenders are going to consider you ineligible for a small fast cash loan application. The reason for this is that every lender has to make sure first that every borrower will have the means to pay back the money that they will borrow.

Do understand that even with the presence of a form of income, there is no such thing as a guaranteed approval payday loans. Small loans are generally considered by lenders to be risky. This is the reason that they tend to be quite hesitant when offering these types of loan products.

Fast Cash – Is it possible to take out a quick small personal loan on the same day?

 At IAFC, we work with lending providers that are known for offering small and quick personal loans. However, small loans that can get released to you on the same day may not be possible all the time. However, there are simple and specific things you can do that might help increase the chances of you getting approved.

To do this, make sure that you will send your application during business hours, (although some lenders offer weekend payday loans). This will allow us to get you paired with a potential lender within an hour. See to it too that you have all the details needed for the application before submitting it. This ensures that there will be no hitches with the application process thus, speeding it up essentially. 

If you get approved, the money will then be transferred to you. Know that the time it will take for the transfer to be done will generally vary. This means that there isn’t any way to tell when the money will be accessible to you. While this might generally mean that you can get access to your fast cash upon approval, it is not always going to be instant.

If things go smoothly, then you may be able to get access to your loan amount within the day. Still, it is important to remember that several factors will be at play here, so it is always prudent to account for a total of 24 hours in waiting time.

Quick Cash Loans – What Can I spend my Quick Money Loan on?

 Small loans can be used to cover for just about anything, provided that it is a legal personal expense. You just have to provide a valid reason for the application and the lenders will consider it. It will be upon the lender’s discretion, however, to assess the application and then render an outcome.

Whilst the list below isn’t extensive, these are some of the most common reasons that borrowers have used when taking out a small, fast cash loan.

  •         Car maintenance, service and repairs
  •         Household redecorations, renovations and repairs
  •         Medical and vet bills
  •         Utility bills
  •         Debt consolidation
  •         Rental bond
  •         Holiday or travel loans

Apply for Small Cash Loans Provider – Best Small Fast Cash Loan Provider

 IAFC cannot really say which lender will offer the best small loans. We do work with a network of lenders that are known to offer these types of credit instruments. Do note that the best lender for other borrowers may not always work for you.

If you’re in need of fast cash loans, applying for IAFC then sending an application through IAFC is a great alternative you should consider. It is convenient and it is straightforward. Once you have submitted the application to us, we will do our best to get you paired with the right lender within an hour so you can soon get access to the fast cash loan you need.

All of the lenders that we work within our network at IAFC are licensed by the Australian Credit to ensure that you will be treated fairly at all times. At IAFC, our goal is to get you assisted by the right lenders that offer the right lending products in accordance to your needs.  This is why, if you’re in need of small loans fast, you can apply today!

Get Competitive Rates – How do I get access to cash loans with low interest rates?

 If you apply for a small quick cash loan and you get approved, the interest for the loan will be included in the contract that the lender will present to you. The interest rate dictates the amount you need to cover when paying off the loan on top of the principal amount that you borrowed. In this case, the lower the interest rates the better.

Generally, you’d want to look around and compare lenders that offer very competitive rates. To ensure that you get some of the best ones comparison rate on offer, here are some tips for you:

You need a solid credit rating. Lenders are always keen on offering you a very competitive loan rate when they can see that you have an outstanding credit score. This is, after all, a product of all the hard work you’ve put towards diligently paying your past loans and other financial obligations on time. This will give lenders the impression that you can be trusted to make on-time repayments.

Present an asset when applying for a loan. If your credit score is not that impressive yet you want to secure a loan with a good interest rate, then presenting an asset as collateral for the borrowing is an option you can go for. When you use an asset like a vehicle to guarantee the loan, lenders will be given assurance that if and when you aren’t unable to get your repayments done, the asset can be used so they get to recover their losses. This means that there is lesser risk for the lenders which is why they would be happier to offer a much lower rate.

Note that IAFC doesn’t guarantee that using any of these strategies will result in a more affordable loan. At the end of the day, how much your interest rate is going to be will be at the sole discretion of the lender.

Get Quick Cash Loans – Are there lenders offering quick easy small loans?

 Yes. There are lenders that tend to offer loan terms that aren’t as stringent as the rest. These are the kind of lenders who may be happy to offer small, easy, quick cash loans for borrowers that are in need of fast access to cash and have less than ideal financial circumstances. These borrowing instruments are often focused on those with low income or borrowers that are on benefit and those with bad credit scores.

Just like any loan application, however, borrowers need to remember that they will still be subject to the lenders’ assessment procedures. Whilst it is true that these lenders tend to be more accepting and understanding of your present financial circumstances, this will not mean that approval is guaranteed for your loan. There will still be a need for you to meet whatever loan requirements that lenders have set as far as qualifying for their respective loan products is concerned.

Fast Cash Loans – Can I take out quick and instant small loans?

 Yes. There are a number of lenders out there offering instant loans to borrowers whose need is dire. It is important to understand, however, what it is exactly that these lenders meant about their instant loan offers.

Instant loans don’t mean that you can get the cash right after you have submitted your application. The reason for this is that lenders are required to perform a proper assessment to any loan application. This allows them to determine your overall credit suitability so whatever credit contract they will end up offering you will be well within your needs and your objectives. This is carried out by making sure that proper inquiries are carried out into your present financial circumstances.

With this information, it is clear that lenders will always have a processing time before they can stamp a loan application as approved or rejected. This is why when lenders offer instant loans, this generally refers to how quick it is for you to receive the outcome— so quick that it might actually feel instant. Also, lenders offering these loans will assess the application fast so expect efficiency and speed can be expected for these types of loan applications.


Fast Cash Payday Loans

Small payday loans – Simple Explanation

 Payday lenders are known for the speed in which they can get things done. In most cases, they offer small loans from $300-$2000 which usually involve repayment terms that last for a few weeks to a few months. When you apply for these types of loans, the outcome is generally instant. This is, after all, the principle in which the business is framed.

Payday loans generally exist to ensure that the borrower will at least have enough financial means that will last him until his next payday. These types of loans are typically associated with short repayment periods and equally small loan amounts. This is perfect for those people that only need a quick fix to their cash needs now but don’t want to get bothered with having to repay the loan for a long time.

At IAFC, we usually work with lenders that are known for specializing in personal loans. However, there are also lenders within our network that are known for offering small personal loans to borrowers. This is why if you apply for these types of loans, we can get you possibly paired with lenders that will offer the kind of quick cash loans you need.

Can you find no credit check small loans for me?

Usually, people that are looking for no credit check loans are those who are worried that their poor credit rating might affect their chances of getting approved for a loan. These borrowers tend to go for payday loans that don’t involve a credit check. However, it is important to remember that credit checks are part of most lenders’ assessment policy.

IAFC is a lender locator which is why we will never be able to guarantee that the lender you will get paired with will not offer a credit assessment. However, we can assure you that whoever it is we will end up pairing you with will be a lender that will consider more than just your credit score. These lenders will look behind what your credit rating says and instead will take a look at your present financial standing. These lenders are known to look into how much you are earning, how much you are spending as well as your banking history before assessing whether to approve your loan application or not.

Our partners are professionals in every sense of the word. This is why they will take the necessary steps to ensure that pertinent factors are taken into consideration when deciding whether or not you are suitable to be offered a payday loan.

Locate small loan providers with IAFC

 Just like cash loans, short-term, small fast cash loans are ideal for covering unexpected expenses that you might encounter. When your budget is short, your wallet is empty, and you need cash fast, a small loan can be an ideal option to consider.

IAFC is a lender locator that can get you paired with a potential lender. Even despite having a poor credit score or when you are only getting Centrelink benefits, it is still possible for us to get you paired with a lender. We may even be able to get you a lender that can offer you a same day loan up to $10000.

If you are looking for loans that are $2000 or lower, consider taking out a payday loan.

Is IAFC the right choice for me?

 At IAFC, our goal is to help as many people as we possibly can to get access to the loans they need. We have helped people from across the country find the right lenders that offer the right lending products for their specific needs.

Small personal loans

IAFC caters to borrowers that are in need of quick and small financing wherever they are in the country. IAFC makes it easier to apply for loans.

We may be able to locate a top-notch lender that can offer you a personal loan despite the fact that you have a rather lackluster credit score. They may even be able to offer an unsecured Centrelink loan if you are a Centrelink recipient. Our goal is to help our customers find the right lenders that suit their needs. We may be able to get you paired with lenders that can extend you a personal loan between $2100 and $10000.

Simple Application with IAFC – Reasons for applying with IAFC

There are a number of reasons that you should apply with IAFC. There’s no telling when you might need access to extra funds. 

Whether it is an emergency dental visit or an unexpected car trouble, when you don’t have a lot of extra cash lying around, situations like these can easily set you back by several hundred dollars. Knowing that there is somewhere and someone you can turn to for situations like these is indeed reassuring.

IAFC can take care of finding the right lender for you. The short-term small loans we can find for you may make a whole lot of difference when there’s a need for you to cover unexpected expenses.

How we work

 IAFC loans work with you first sending your application to us then we work towards finding the right lender to fit your needs.

Microloans can be availed of up to $2000 and will generally have a repayment term of up to 12 months. This allows you to not only get access to cash that you need fast while at the same time, will allow you to get the repayments spread over the span of 12 months.

Bear in mind that applying for an IAFC loan doesn’t require you to have to fill out a bunch of paperwork. The whole process is done online, after all. Also, IAFC may be able to find you lenders that can get you an instant loan outcome, which makes it ideal when your need is urgent. 

Once your loan application gets approved, the lender will get in touch with you. They will also let you know what the repayments are going to be like so you can then decide whether to accept the offer or not.

What are small loans for business?

Small businesses are crucial parts of the economy. They offer a certain level of service that is just not something you can find somewhere else. However, managing your finances can be quite a challenge if you are a small business owner. 

Fortunately, if you ever find yourself struggling financially, you can take out an unsecured small business loan. When applying for these loans, lenders will take into account the kind of business you own to ascertain whether you are suitable for the loan or not. Once approved, you should be the cash you need fast.

There are a number of things that could be covered with a small secured business loan. Among these include. 

  •         Running costs for your daily operations
  •         Payroll
  •         Purchase of new inventory or equipment
  •         Rent payment and other bills
  •         Maintenance

What are small cash loans?

Small cash loans from IAFC’s lender network are usually unsecured loans amounting to $2000 or lower which are known for their quick online processing. These types of loans are known for their repayment period of up to 12 months. 

IAFC is known for working with lenders who are happy to offer small loans for small credit borrowers that want to borrow $2000 or less. If you wish to borrow a much higher amount, IAFC may be able to help locate a lender that is willing to offer you a loan of up to $10000.

How can I take out a simple online small cash loan?

There are several ways you can resort to taking advantage of an online small cash loan. Finding an online lender offering personal loans should be easy. However, the sheer number of providers you will uncover can make it a bit overwhelming to ascertain which among them will be worth doing business with 

You can, however, skip this part of the process and just go to where your lender will get in touch with you to offer you a loan. That is where IAFC comes in. All you need to do is send a single application to us and our automated system will take care of sorting through our network of lenders to find you the most appropriate lending provider for your needs. your details will get passed on to these lenders and the one that can offer you a loan will just get in touch with you directly soon after.

You won’t even need to send in multiple applications to IAFC too. All you have to do is send us one application. When it comes to your financing needs, IAFC is your new best friend.

How IAFC finds small loans lenders fast

Our lender locator service at IAFC can easily get you access to the small loan you need fast. 

  1.       Start by filling out the application form online.
  2.       We will scan through the hundreds of lenders that are involved in our network. The lenders that are able to make you a loan offer will get in touch with you directly.
  3.       Lenders will evaluate your application and will directly contact you if they can make an offer.
  4.       Once you get an offer from the lender, you will be dealing with them directly moving forward.


The loan slider located at the top of the page should give you an idea of the loan repayments you need to cover if you will proceed with taking out a loan. Note that the numbers reflected on the slider are mere examples. The final costs you need to cover may be different from what is being offered as this would depend on the lender making the offer.

If you wish to get fast access to lenders, IAFC lender locator service may just be the right solution for you.

Where can I access and obtain small loans?

You have the option to apply for a small loan from any bank. However, to qualify for these types of loans, you will first need to have a good credit score.

Another option is to send an application via a short term lender. These lending providers are usually known for their less than stringent criteria and they tend to have a much quicker processing time. You may be able to access your loan funds on the very same day once the contract gets approved. However, note that this will still be highly dependent on the lender as well as your specific circumstances. 

When you take advantage of IAFC’s lender locator service, we will be taking the inconvenience out of the task of locating a lender. With only just a single application, we can work towards finding you an appropriate lender within our network. These providers will then carry out their own evaluation on whether to approve or reject the application.

How do I get approved for small loans?

Credit providers need to practice responsible lending. More importantly, they will need to check if your repayments will easily fit into your budget, with your current income and expenses. This is true even when you only need to borrow a small amount.

Note that IAFC is not a lender. This is why it’s up to the lenders to decide whether to decline or approve a loan application. In addition, different lenders tend to have their own different criteria for determining whether to approve an application or not. So, approval and rejection will be at the lender’s discretion.

Is it difficult to get approved for a small loan?

Considering how every lender is different, they will also be expected to differ as far as criteria and policies go. Personal loans, especially small ones, tend to be unsecured. This means that they pose a much higher risk for lenders. The attachment of security to guarantee bigger amount loans will generally increase the possibility of your loan application getting approved. The reason for this is that lenders will bear lower risks with secured loans. 

Evaluation criteria and policies do differ from one lender to another. So if your apparition ever gets rejected by a lender and you want to know the specific reason for the rejection, it is best that you get in touch with them.

Fast Cash – Fast microloans

Microloans are small personal loans that are getting a lot of attention these days among borrowers. The increase in the demand for this type of loan is hardly a surprise though. After all, more and more people these days want access to loans that can provide them with an outcome fast. 

What’s the eligibility criteria?

If you’re interested in applying for fast microloans, you must at least be 18 years old and a permanent resident or a citizen of Australia. Lenders will also require you to have an active email address and personal phone number. In addition, it is also required that you have an active bank account where you have been receiving your income regularly for at least the last 3 months. 

Note that qualifying for these loans will not necessarily translate to approval.


Bad Credit Loans Instant Approval


Can IAFC assist me in finding no credit check quick small loans?

Worried that your bad credit score is going to botch your chances of getting a loan approval? You will likely be more interested in finding loans that do not require a credit check. Lenders offering no credit check loans will generally carry out an assessment that is based on the income you are earning as well as your expenses. This means that they will look beyond your credit score so it doesn’t matter if you have a rather dismal rating. 

Considering how IAFC is a lender locator service, we are unable to offer any guarantee that the lender you will be paired with is going to conduct a credit assessment or not. We can guarantee though that the lenders we work with within our network are known for looking at more than just your credit score but also your current financial standing when deciding whether to approve or reject your loan. This means that even if they do or do not perform a credit check, what matters is that your past missteps will not be the sole determining factor on whether your application gets the green light or not.

Can you locate lenders that offer small Centrelink loans?

There are a variety of ways that people in need of cash loans fast can get access to money. This is true even for those who are Centrelink recipients. Loans intended for Centrelink customers tend to be small amount, personal loans that you can then be repaid out of your Centrelink benefits. IAFC can locate lenders that are willing to consider your regular Centrelink benefits as some form of income.

Does IAFC work with quick loan lenders?

IAFC can help find lenders that are able to get your loan application processed so fast that it may actually feel as if it is done instantly. Fast loans tend to get processed fast with the funds getting transferred into your bank account after you green-light the loan contract. Getting access to your funds will have to be dependent on the transfer times of the banks involved but generally, you should get access to within 24 hours after the contract has been approved.

Can we locate lenders that offer bad credit small loans?

IAFC works with some lenders that are able to extend loans for bad credit borrowers. At IAFC, we believe in second chances and the lenders that we work with tend to share the same principles as well. 

If you have tried taking out credit before but got turned down, you should try checking out IAFC instead. We work with loan providers that can potentially get your bad credit application approved.

Does IAFC offer small car loans?

No. Car loans aren’t among the loan products that IAFC offers. However, through our network of lenders, we may have those that offer car loans among the loan products they are extending to their borrowers. So, if you are interested in taking out a car loan, you just need to send out a single application on the IAFC website and our automated system will work towards finding a potential lender that can offer said loan to you. Normally, the system is designed to get you paired with a lender in just an hour.

There are lenders that can offer a car loan of $5000-$30000. Repayments for these types of loans can vary between two and five years. All you have to do is send in an online application today. Before you know it, you could be driving away with your dream car!

Small loans for business startups

If you’re looking to get a business venture to get off the ground, you can consider taking out a small startup loan for business.

This means that you will need it possible for you to borrow cash to get your business off the ground. As the business progresses, you will then be able to make repayments until eventually, you are debt-free.

Generally, small loans for startups tend to be quite risky for lenders. There isn’t any guarantee for them, after all, that your business will take off and that it will become successful. This is why most lenders might subject you to higher interest rates or will require you to offer some sort of security, like an asset to guarantee the loan.

How much are the potential costs?

Our lender locator service is free to use. It doesn’t matter if you get matched or not with a lender, you do not need to pay for anything. You won’t need to pay for anything at all, not a single cent. Also, if you decide to cancel anytime or not to accept a lender’s offer, there will be no incurred costs as well.

When you send in an application at IAFC, we will search through our lender partners to find a credit provider that can assist you. Considering how every lender is a different company, we will not be able to offer any guarantee on how much the small loan is going to cost.

At the end of the day, it will be your lender that will determine what the final loan costs are going to be. They will also be the ones to decide how much you will be allowed to borrow. Bear in mind that it is also possible for lenders to charge a monthly and establishment fee

Transparent loan terms

Your lender should be transparent with the terms involved with the loan. This means that the repayment terms and all of its details should be properly disclosed on the loan contract. Fees do tend to differ per lender and depending on the type of loan involved.

As a lender locator, we are unable to offer any guarantee on the charges and fees involved with your loan. The loan contract should have all these details duly outlined. We do recommend that you first look into the loan costs and understand what it states there before approving the loan contract. Also, if you have any questions pertaining to the loan or the contract, it is important that you ask the lender for more details.

Microloans with fast outcomes

You won’t have to worry about daunting online searches, endless phone calls and boring meetings. When you apply at IAFC, there’s no need for you to go through the whole nine yards. All you have to do is send one application and IAFC will take care of the rest. In most cases, you can expect to get paired with a lender within 60 minutes. 

To get the application started, consumers will just need to send an application via the IAFC website. The automated system will then take care of the rest by digitally accessing your information and sending it to the right lenders.

We will have to confirm some of your personal information as well. If you are a Centrelink recipient, then you will need to put in your MyGov login details. Lenders will then view a read-only copy of your bank statements. The latest security information will be used to ensure that your details will be protected for the entire time and ensure that your data will be sound and safe.

Once you get [aired with a lender, that’s where our partnership with you will end. This means that everything else that will take place moving forward will be between you and the lenders. Once you have been approved, you will be sent a digital copy of the loan contract.

Note that you are not obliged to accept any credit contract that the lenders are going to offer to you. If you’re not keen on the terms that the loan contract involves, you always have the option to decline the offer. Note that there is no charge for choosing not to accept the contract.

Loans repayments will be subject to the terms provided by the lender and agreed with by the clients. Typically, the lenders and the clients will have a direct debit set up to ensure that the repayments will be automatically carried out.

Minimum Amount of Money – What’s the smallest loan money I can take out?

The minimum loan amount you can take out through the IAFC site is $300. This can be used to cover minor expenses and other urgent bills. If you are looking for a loan amount that is lesser than $300, you may have to look somewhere else.

Fortunately, there are lenders that can offer small loans for a minimum of $100. See to it that you understand the conditions and terms attached to the loan before you decide to send in any online application.

Understanding Lenders

At IAFC, we know full well how emergencies can happen when you least expect them. There’s really no preparing for them. Whether it is a sudden accident, illness or even divorce, nobody can fully be prepared for them. This is why we work with a network of lenders that are known for their flexibility and reasonability when it comes to handling the loan applications set to them. All you have to do is connect with your lender and see if there are ways that you may be able to get your repayment setup changed if you’re having a hard time meeting it 

Just see to it that you will communicate with your lender no less than 24 hours before the due date of your repayment.

Feedback on our services is welcome

We highly encourage you to offer us feedback in the manner that we have handled your concerns. We always welcome constructive criticisms and see it as an opportunity for us to be better at what we do. You can get in touch with us directly at hello@iafc.com.au.

All complaints are recorded by our staff in our register if the problem doesn’t get resolved within a 24-hour period. In the event that we need more information, you will be duly notified. Also, IAFC may need you to fill out a complaint form. A notification will be sent to you concerning the receipt of your complaint within the next 2 business days.

Data security

IAFC carefully abides by the 1988 Privacy Act. We regard all the details of our clients as confidential. This means that only the lenders within our network will have the necessary access to your information if and when you decide to apply through our website. We are also powered by Comodo and McAfee to ensure that your details will always be kept secure, encrypted and safe at all times.

We’re not direct loan providers

IAFC isn’t a lender. The services we offer are more of the referral type. At the same time, we do not fund loans directly.

All loan applications are referred to third party lenders who will then decide whether the applicants have successfully fulfilled their conditions or not. The lender will then let you know if you have met their loan requirements and if they will choose to offer you a loan contract, they will let you know of the terms and fees that will be attached to the borrowing. See to it too that you will carefully review the lender’s offers and make sure that you understand everything it contains before giving your approval.

The lenders within our network can possibly offer alternatives to payday loans, bond loans, as well as loans to cover for your traveling expenses.

Responsible lenders

At IAFC, we work our hardest to ensure that you will be matched with not only the right lender with the right loan products but one who is responsible too. More importantly, we work with lenders that take their responsibility seriously.

This means that we need to take due steps to make sure that we get a good idea of your financial situation and whatever your financial objectives are for taking out a loan. If the lender will see that your situation seems unsuitable for the kind of loan you plan on taking out, then they are likely not going to offer you a loan product. Responsible lenders will never offer a loan they know you cannot afford to repay.

You can also get access to a full copy of the guidelines for lenders online.

The ultimate repayment guide

At IAFC, you will need to make certain decisions when you decide to apply for a loan. Small loans tend to come with a fixed repayment term of 12 months, you will have to decide whether you would prefer to p[ay it back monthly, fortnightly or weekly. You will have the freedom to decide how you would want the repayment term to be set up. As a general rule, you might want to get your repayment schedule aligned with your wage.

Doing this makes it easier for you to get the repayments done. You can have a direct debit set up so you won’t have to worry about having to remember when your repayments are going to be. The amount will just be automatically debited off of your account. The auto deduction will also stop once the debt has been fully repaid.

Ready to apply?

There are so many advantages to small loans but it’s important to remember that they do come with certain downsides too. These loans can be costly as well and may not always resolve your debt problems. For debt issues, it is always best to seek the help of financial counselors at 1800 007 007. This ensures that you will have a professional that can properly explain to you how loans work as well as offer you suggestions on what the next course of action is going to be.

Bear in mind that there are choices you can go beyond micro loans. If you’re having problems covering your utility bills, you always have the option to speak with your providers to see if they are able to offer some payment options for you.

If you’re a Centrelink recipient, you may be eligible to secure an advance payment that can then be paid via the future repayments you will be getting.

Learn more about IAFC and what we can do for you by following our social media platforms.