Personal Loans Online
Get Fast Loans Online Now
Simple Personal Loans can help you get to the lender that can provide you with the finance you urgently need. Assisting over 10,000 Aussies every year, we are a fast finance solution company.
Not only are fast personal loans much easier to obtain, it can also be approved quickly!
Why choose us?
Everyday many Aussies just like you are using Fast Personal Loans as their personal finance solution. Here’s why our lenders are different.
Pre-Approval. quick pre-approval for your peace of mind.
Individuality. flexible lending criteria to suit your individual circumstances.
Flexibility. vast loan options and repayment terms to fit your case and budget.
Credit history. consider all types of credit history, even if there are defaults or bankruptcy.
So why wait? Get the Fast Loans Online that you desperately need!
Simple Personal Loans has been established to focus on finding suitable lenders that provide fast personal lending online Australia Wide; including Sydney, Melbourne, Brisbane, Adelaide, Hobart, Darwin and Perth. With our innovative stream lined application process.
Terms and Conditions
Pre-Approval is a quick reference of your eligibility to borrow. This form is innovative and concise. It saves applicant s time by providing a preliminary result without the need to complete a full application form.
Due to the form simplicity, pre-approval is more suitable for business related loans. If your loan is for personal purpose, we assume you meet the following conditions:
– 18 years old or over
– Sufficient disposable income to service the loan
– Income, expense, asset, credit history and other personal details can be verification
– All applicants resides in Australia
– Suitability assessment is met
– Satisfactory results from our enquiries, including a credit reference check on each applicant.
– NOT on Newstart Allowance/Youth Allowance/Austudy
– Other credit provider s lending policy
Loan Amount Calculation (General Guide)
Loan amount ultimately approved is determined by a few factors; asset/s value, income, repaymentability, credit history and others.
As a general guide, please refer below:
Vehicle security up to 60% of trade in value ($1,000- $5,000)
Property security up to 95% of the valuation ($2,000- $500,000)
Success rate is based on our statistics of pre-approved applicants that has successfully obtained a loan. It is an indication only and does not reflect your desire or approval loan amount.
After pre-approval, a full application form must be completed by all applicants and supporting documents including income, asset and photo identification must be provided in order for final assessment to be carried out.
In some cases joint application may be required; it is often due to the following reasons:
1. Unacceptable credit record
2. Inappropriate estimation of vehicle / property value
3. Insufficient disposable income (For example: less than $1,200 income a fortnight or on Newstart/ Youth Allowance/AUS study; expense is higher than income)
4. If your income is solely on Newstart Allowance/Youth Allowance/Austudy, unfortunately we can’t help you.
5. If you work and receive Newstart Allowance/Youth Allowance/Austudy at the same time, based on our lending policy, to be eligible you need to either joint apply with a qualified person who receives at least $600 a week income or provide a Newstart termination letter issued by Centrelink if you no longer intend to receive the payment.
No Credit Check for Pre-Approval
There is NO credit check for pre-approval. Credit history check is usually done during final assessment when you decide to proceed after pre-approval.
We/other parties may retain the information submitted for assessment and other purposes. From time to time information, our products and services may be forwarded to you by telephone, mail or electronic mail. If you do not find information useful, simply inform us by email or click unsubscribe when you receive the email.
Upon submission, you are deemed to have read and agreed to the terms and conditions.