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

No Paperwork Loans

Fast 3 to 36 Month Online Loans



Convenient Access To Cash With Loans And Hassle-Free

Typically it is hassle-free, simple and without paperwork to obtain credit. There is absolutely no reason to go through the process of filling a stressful and confusing paperwork when you could finish every application online without hassle. IAFC works to get you paired with the right lender that will provide you with loans and no paperwork. It is potentially possible to get matched to a lender in a matter of minutes. We operate a lender finder business that makes hundreds of loan products available to you and we aim to check through all products to find you the most ideal loan for you with your current circumstance.  

What are no paperwork loans?

There are no paperwork loans, they do exist.   No paperwork loans refer to credit products that borrowers can apply for and it will not need them to make you go through any type of documentation physically. All the procedures are followed through completely online for this reason it eliminates the need for you to spend your time printing paper documents for paperwork documentation. These types of loans permit you to apply for them without needing to move from wherever you are, not even get out of your house.

Need a loan today? Apply online!

IAFC vs banks— what are the differences in Lending?

When you decide to take advantage of IAFC’s lender locator service, you may get paired with lenders that offer no paperwork loans. On the other hand, if you decide to sign up with your bank for a personal loan, it’s expected that you’ll have to fill out a ton of paperwork in order to complete the application. Among these are:

  1.   Proof of income: it’s common for banks to ask borrowers to present at least two of their most recent payslip. For borrowers who are self-employed, they may ask for a copy of your tax return.
  2.   Personal identification: Banks will usually require you to present proof of identification such as your driver’s license, birth certificate, proof of age cards, passport, pension card or citizenship certificate.
  3.   Bank statements: The bank will also likely ask you to provide statements for loans, credit card or loans under your name, which you have taken out from other financial institutions.
  4.   Car insurance: If you’re applying for a car loan, the bank may require you to provide them with your car insurance. They may also need you to provide them a copy of your tax invoice of the vehicle you plan on buying.

Meanwhile, at IAFC, our lender locator service will no longer require you to supply us with any physical paperwork just so we can process the application. We’re all about making your life easier and hassle-free, after all

No Paperwork Loan – Where can I apply for no paperwork loans?

If these are the ideal loans you would rather sign up for, you’d be curious where it is you can avail them. At IAFC, we can definitely help you with that.

IAFC is a lender locator service. We work with a network of lenders and we know who among them offer payday loans alternatives & no paperwork loans. As the middle man between you and potential lenders, we will be able to assist you in finding the right lenders suitable for your current financial circumstances. With the fast-paced lifestyle, most people are leading these days, who really has the time or the patience to spare scouring through hundreds upon hundreds of potential online lenders?

We make no paperwork loans even more stress-free here at IAFC. Our lender locator service will see to it that you get connected with a premium lender within a few minutes from lodging an application on our site. What’s even better is that our service is 100% free!

Without Paperwork Need – Same day no paperwork cash loans

Want to sign up for instant cash loans no paperwork? Whilst we can’t exactly find instant online loans for you, we do work with some lenders that will get the loan processing done in such an expedient manner that it might actually feel instant.

We have designed the application process to be as streamlined and straightforward as possible. At the same time, we have partnered with lenders that are known for speeding up the processing process to provide outcomes in no time.

Typically, if we have successfully found a lender that’s compatible to you, expect them to contact you directly to kick-start the loan processing. A loan assessment will then be carried out. If you have passed their assessment and you get approved, then a digital loan agreement will be sent to you for your approval.

Once you have read the loan contract and you have agreed with all the provisions therein, you approve it and the lender will then work towards getting the funds you are borrowing transferred to your account. Often, this can be received within the same day you submitted the application or at the latest, on the next business day.

Note that access to funds will be dependent on the transfer times of your bank.

No Paperwork – Finding no bank statement loans

If you’re curious about how IAFC finds lenders that offer loans minus the usual paperwork, know that we employ the newest technology on safe banking to ensure that your loan application experience with us will be easy and convenient.

When filling out the application form, you will need to provide your banking details. This is to give us access to read-only copies of your bank statements. With this, there’s no need for you to supply us with any physical copies of your bank statement to proceed with the application.

This also allows us to provide the lenders that you will then be matched with the details they need to conduct the necessary assessment to determine whether to approve your application or not. Also, the lenders will get a good sense of where things stand with you financially. With this, despite having a rather patchy credit record, they may still be happy to consider your application.

No Credit Check, No Cash Loans – Can you find no paperwork no credit check payday loans?


IAFC isn’t able to help you find payday lenders with no credit check and no paperwork setup. This is because first, IAFC only specializes in locating lenders that are known to offer personal loans and not lenders offering payday loans.

Payday loans are different from personal loans because they tend to have a much shorter repayment period. As a result, borrowers may be subject to higher repayment figures. Also, if you end up failing to pay your obligations on time, there are additional fees that you’ll be subjected to and they tend to be rather hefty. So, if you’re not careful with how you manage payday loans, there’s a good chance that what started as a mere small and harmless debt can snowball into one unmanageable financial nightmare.

Personal loans, meanwhile, are known for having a much limner repayment period. This makes way for a more manageable repayment setup since the amount is going to be spread out over a longer period of time. In addition, personal loans are also known for having better interest rate and lenders tend to be more understanding of borrowers, especially in the event of financial hardship.

The second reason that IAFC cannot offer to find you lenders offering payday loans with no paperwork and no credit assessment is that we are unable to offer any guarantee that the lender you will be paired with will forego the credit assessment process. We are just a lender locator and will have no say regarding a lender’s loan processing policies. We cannot make any promises about what lenders may choose to do or not do when assessing your application. They have full discretion over their respective policies, after all. However, we can assure you that IAFC works with lenders that are known for their compliance with responsible lending practices.

What about no credit check guaranteed loans?

IAFC is not able to match you with lenders that will offer a guaranteed approval of your loan application.

Consumers must be wary about dealing with lenders and other financing providers that will promise guaranteed payday loans. This is because the law specifically mandates that lenders should assess every loan application carefully to determine whether a potential borrower has the means to pay back whatever money he is borrowing. This is to prevent people from taking out loans that they won’t even have the means to repay. This is why lenders that offer guaranteed approval are dodgy and are most likely running a scam as they are ditching their obligations as responsible lenders.

These riels have been established by ASIC or the Australian Securities and Investments Commission. These rules and regulations are intended to protect borrowers against entering credit contracts that are not suitable for their present financial standing.

To view the full guidelines, check out ASIC’s website.

How do I send in my application?

While loans that don’t involve any paperwork are already straightforward and simple, to begin with, if you choose to lodge an application with IAFC, the whole process is even made easier for you. For instance, when you choose to apply with IAFC, there’s no need for you to fill out multiple applications. You only ever need to accomplish one application form and we will take care of finding the most compatible lender for the type of loan you need.

Curious about how to use the IAFC lender locator service? It’s pretty easy! Here’s how:

Apply online

To get your application started, check out the loan calculator located right at the top of the page. You will see an option to put in the amount you would wish to borrow. Next, input what your preferred repayment term is. You should then be given an idea of what the repayments are going to look like whether you choose to pay monthly, fortnightly or weekly. Do note that the actual repayments offered by the lender may differ from what you’re seeing on your screen. Still, if you’re quite happy with the figures you are seeing, you can just proceed with the application and submit it.

We’ll get the work done

After you have completed the online form and submitted the form, it’s our turn to get working. Ur automated system takes over and will scan through the hundreds of different loan products that are available via our network of lender partners. This is to ensure that the lender we end up matching you with is going to be appropriate for your current financial circumstances.

Meet the lender

If we’re successful in finding the right lender with the right loan product, we will inform you via text or email. The new lender should communicate with you directly soon after. Every communication regarding the loan will now be between you and the lender, moving forward.

Your lender will then carry out their own evaluation to determine whether to approve your application or deny it. Once you get their approval, they will send you a digital copy of the agreement. It is important that you take time to read what it contains. Ask questions if there are terms and provisions that you’re not very sure of and only agree with the contract once you are clear with what it is exactly you’re getting into.

Once you give your approval for the contract, the lender will then proceed with getting the funds transferred to you.

It is common for the funds to be accessible in your account on the very same day that the application was submitted and approved. However, there are instances when you may have to wait until the next business day to access this, remember that funds are subject to your bank’s transfer times.

Short Term Loans No Paper Work

Am I qualified to apply?

To get started with your application with IAFC, make sure that you first meet the following requirements:

  • You’re no younger than 18 years of age
  • You’re a permanent resident or citizen of Australia
  • You have a working phone number and email address
  • You have been getting your regular income into your bank account and you can provide transactions for at least the last 3 months

If your answers to the above criteria are all yes, then you are ready to get your application lodged with IAFC.

Can IAFC find instant cash no paperwork no credit check loans for me?

If you’ve noticed, IAFC is committed to making life easier for you. It’s for this reason that we have designed our loan application process to be as simple, straightforward and streamlined as possible. Whilst we do admit that despite our attempts at speeding our processes as best as we can, there’s really no such thing as instant loan processing. However, the lenders we are in partnership with are known for their expedient processes that the whole thing does actually feel as if it is done in an instant.

As far as no credit assessments go, IAFC is only a lender locator service. This means that we are unable to give any guarantee that the lenders you’ll end up matched with aren’t going to conduct a credit evaluation or not. We can assure you, however, that there is a very good chance that a credit check will be conducted by the lender but that lenders will look beyond what your credit rating says when deciding whether to deny or approve your local request. This is because all of the lenders we work with are known for their compliance with responsible lending practices.

Can you help me find no credit check no paperwork short term loans?

We will never be able to offer any guarantee that there isn’t any credit check that will be performed on your loan application. However, we will do our best towards finding a lender that may potentially not conduct a credit assessment when deciding whether to approve your loan or reject it.

Short term loans, as the name suggests, tend to have shorter repayment periods. IAFC works with lenders that offer unsecured loans for short term of $300-$2000. These loans tend to have a repayment term of 12 months. Meanwhile, we also work with lenders that can offer medium to large loans of $2100 to $10000 that will typically have a repayment period of 13-24 months.

Bear in mind that the repayment term tends to vary depending on the lender you get matched with.

Apply for Fast Approval Loan – Can IAFC help me find no paperwork no credit check fast loans?

IAFC isn’t the one that will conduct credit checks on your loan application. Rather, it is the lender you get matched with the will choose to do so, if it is part of their process.

We can guarantee you though that IAFC and the lender we will match you with will work towards getting your loan delivered as fast as we can!

Typically, the lender will get your funds transferred to your account eight after your loan has been approved and you agreed to the loan agreement. It is possible in some cases, to get access to the funds on the same day you applied. In some cases, you may have to wait until the next business day to access the funds.

Note that fund access will be subject to the transfer times of your bank and most banks tend to process funds only within business hours.

Bad Credit – I’ve got a cash emergency, I need a no credit check cash loan

Being a lender locator only, IAFC cannot offer guarantees that a credit check will be performed or not upon your application.

Still, if you’re in a bind and you need access to emergency cash loans fast, IAFC may still be of help. We are in partnership with a network of creditors that are known to treat you as an individual and will not just look at you based on what your credit score has to say. This means that they understand that your credit score shouldn’t be the only determinant on whether to grant you a loan or not.

This way, if you’re worried about your bad credit preventing you from securing a loan, don’t worry, you can at least be sure that our lenders will give you a good chance as far as getting granted a loan goes.

Are no paperwork loans available for Centrelink recipients?

Yes! No Paperwork loan is available for Centrelink recipients.

IAFC is in partnership with creditors that are known to consider Centrelink payments as a regular income form. They do require you to have been receiving your Centrelink payments into your personal account for at least the last 3 months in order to be considered for a Centrelink loan

In addition, you don’t have to stress about sending us any physical documents to support the loan application. Often, the lenders will have access to your Centrelink information through modern banking technology. However, you may have to supply us with details of your myGov account to make this possible.

You can get matched with a lender that offers no paperwork cash loans when you apply with IAFC.

Have you been looking for a loan with no credit checks involved? You may be concerned about your bad credit.

IAFC is known for working with lenders that will carry out credit checks but will also look at more than just what your credit score says. These lenders may look beyond what your credit score says and will still grant you a loan provided that they can see that you have the means to pay back the amount that you intend to borrow.

However, when it comes to speed in which the loan application gets approved, it will be solely at the discretion of the lender. In addition, it can also be affected by the time you have sent the application to us. Generally, applications sent during business hours will also receive the fastest response. The approval of your application may also get stalled if you give us incomplete information since the lender will not be able to proceed with the processing until you can supply the details required.

Bad Credit – What happens if my credit is bad?

IAFC understands that missteps you made financially in the past shouldn’t define your present borrowing capacity. This is why we will always try to get you paired with lenders who will share the same principles to give you a good chance of being considered for a loan approval. Beforehand, check your finance if everything is in order. 

Whilst your lender may carry out a credit check, they will usually focus their attention not only on your credit score but will also check if you have a regular income and you have been responsible for other repayments that you may be responsible for. If they will see that you have been a reliable payer all this time, then they may still consider your application despite the bad credit.

Loans for Unemployed – Can I take out a loan even when I have no work?

If you’re not employed, it is often tempting to just go straight for lenders that offer no credit check unemployed cash loans.

However, these types of loans are known for their hefty fees and are often offered by payday lenders. These lenders have been known for their exorbitant fee and hefty charges.

When you decide to lodge a loan application with IAFC, you can avoid dealing with payday lenders. In addition, IAFC may be able to get you matched with lenders that can help you secure a personal loan despite being unemployed. There’s also a very good chance that these lenders will consider a Centrelink payment to be a regular income source.

Also, if your repayments can fit in with the income you are getting from Centrelink, the lender may still get your application approved 

Don’t forget that the discretion on whether to deny or approve your loan is still going to rest with your lender. IAFC will not be able to offer any guarantee on whether you’ll get approved or not.

I need a no paperwork instant cash loan

In need of instant loans? Depending on the creditor we will match you with, you may be able to get the funds you’re borrowing within just a business day. However, your bank is going to play a crucial role on when you can access these funds as this will be dependent on their transfer times.

Also, IAFC should have the means to get digital access to your bank statements.  This is why there will be no need for you to supply IAFC with any paperwork to get the loan application processed.

Online Payday Loans

How will my no paperwork loan be repaid?

Just like how the application process is made easy for you, the same holds true for the repayment process.

To repay the loan, the lender will set up a direct debit with your preferred bank account. These repayments will be deducted from your account based on your preferred schedule— monthly, fortnightly, or weekly.

If you feel that you won’t be able to get an upcoming repayment paid off on time, it is advised that you get in touch with your lender directly. Giving them at least a notice of at least 24 hours is customary. This way, they may still have the time to get the repayment rescheduled.

What can I spend the funds on?

The reason that personal loans are greatly popular among borrowers is the fact that they offer the borrower considerable freedom to spend the funds however they wish to. Personal loans can be used to cover for a bevy of expenses.

Below are just some of the many things that IAFC customers were able to use their funds in the past.

  • Whitegoods
  • Car repairs
  • Travelling
  • Education costs
  • Holiday costs

Whatever expenses you may have in mind, the personal loan can be used to cover whatever it is.

Apply now!

If you’re happy with everything you’ve read, then you’re ready to get started. Enjoy an easier and more convenient loan application experience when you take advantage of IAFC’s lender locator service.

You can also check out our FAQs if you have more questions.

You can also learn more about IAFC and keep up with updates through our social media platforms.