Cash Advance Perth

What is a cash advance?

A cash advance is a type of fast loan used to help you cover unforeseen costs brought on by incidental life events that happen when you least expect them. Cash advance loans are also called cash advance payday loans. This is a program in which you are lent money in small amounts to help get you from pay period to pay period. Applying for this type of loan through our cash advance Perth services allows you more financial flexibility by providing you with cash now.

Fast cash loans such as these are known as same day loans in Perth. This means money is deposited into your bank account within a day of applying. We make this possible through our hassle-free, intuitive, high-speed software solutions that expedite approvals and get you the funds you need right when you need them. Our cash loan advance services are available Australia-wide, including Perth and surrounding areas like Joondalup, Rockingham, Fremantle, Armadale, Mandurah and Bunbury. As one of Australia's leading online lenders, we help our customers provide for their immediate financial needs at the push of a button, using any device, from anywhere in the country.

Choose from two of our easy finance options: personal loans through which a lump sum of money is paid straight into your account or a revolving credit line that you can maintain for your urgent cash needs.

Our cash loans offer balances ranging between $5,000 and $50,000 that you can pay out in 1 to 5 years. Applying for our short term cash advance Perth service with a 1-year payment plan could help you manage your finances, including bills and debts, giving you the breathing room you've been needing. In Perth, our same-day loans offer fixed interest rates, fixed repayments, and low fees and charges. Once you've chosen a program that you feel best fits your situation, simply apply online and answer some common financial questions regarding your job, mortgage, lifestyle, and debts you may have. Applying with us won't entail a call with your employer—or even with you.

At Ozzie Loans, we can simplify and expedite our cash advance Perth service and its approvals using a secure portal guarded by illion's bank-level encryption software, through which we can access and review your latest online transaction statement straight from your bank account. Having this in place allows for intuitive verification of the details you provided in your application and faster approval times than what you would normally get if you were to apply with a different lender. For example, depending on which bank you use, your approval and money can come all within 24 hours of your application if you apply during business hours. All we need is to receive your signed loan contract to authorise the funds’ transfer to your account immediately.

Once you have received your loan funds, then they are yours to distribute as needed. However, there is no option for additional funding during the current term of your loan with us; if this becomes necessary, you'll need to repay all existing balances and reapply for a new loan. To make this easier, you can opt into refinancing, which will allow you to apply for a new cash advance loan and include any outstanding amount on your old loan. If you need more flexible terms, then our Freestyle Mastercard might be the option for you.

With our Freestyle online credit card, you get a credit line that you can draw on, repay and redraw if and when a need for it arises. It comes as a virtual credit card accessed through your smartphone, which makes it great for online and in-store payments or where pay and go is accepted. You may also use this virtual credit card to transfer a loaned amount straight to your online bank account if you need to.

Having a Freestyle account gives you interest-free credit for up to 55 days. This means you won't be paying any interest fees at all if you use your virtual credit card for purchases and repay the amount you used within the 55-day interest-free period. That gives you almost half a month of extra time to repay purchases. However, this does not apply to cash loans online that are transferred from your Freestyle account, as those incur different interest rates and fees. We don't have an interest-free period for this cash advance Perth service, so transferring a loan from a Freestyle account will have interest calculated starting when you make the transfer.

What is a cash advance fee?

We recommend reviewing all of our terms and conditions, including fees and charges, no matter what credit product you're looking to apply for. Cash advance fees are charged to a credit account and included in a money transfer amount, which also includes interest that is immediately charged from the day of the transfer. To figure this out using a calculator, divide the cash loan advance interest rate on your credit contract by 365, then multiply the quotient by your transferred amount. Take the answer and multiply it by how long you expect to repay the loan you have transferred. This will give you a good idea of how much you will have to pay in interest fees.

Where can I get a fast cash advance loan in Perth?

Apply online for one of Ozzie Loans’ cash advance Perth services through which we offer payment terms starting at 12 months or apply for our Freestyle Mastercard, which is a revolving credit line that gives constant access to line of credit funds ranging between $1,000 and $15,000.