Have questions? See if we’ve already answered them!
1. Who is eligible for a personal loan?
Ans. To be eligible for a Breezy loan you simply need to be:
- (a). 18 years of age
- (b). An Australian citizen or permanent resident
- (c). Receiving a regular income in a personal account for at least three months.
- (d). Able to provide an active mobile number and email address.
- (e). We may require some extra info once you apply; however, don’t worry, we’ll let you know!
2. Is your process 100% online?
Ans. Yes, absolutely! We are online lenders that use the latest in safe banking technology to ensure we assess your loan accurately and (most importantly) quickly!
3. What are payday loans?
Ans. Payday loans are loans that work around your pay schedule. Payday loans are typically unsecured, short-term loans and are usually paid off by your next pay cycle.
4. Do we offer payday loans?
Ans. No, we don’t offer payday loans Australia. We do, however, offer flexible loan terms, in line with responsible lending practices.
5. Can I apply if I have bad credit?
Ans. Yes! We welcome all applicants, no matter what your finances say. We can’t promise to help everyone, but we are more lenient than traditional lenders. So, if you have bad credit, why not apply and see if we can help you.
6. Can I apply if I receive Centrelink?
Ans. Yes! If you receive Centrelink payments you may have been knocked back by traditional lenders. However, our team of lending specialists classify Centrelink as regular income as long as you’ve been receiving the payments for at least 3 months.
7. What do I need to provide when I apply?
Ans. That’s easy – nothing! Our loan service is 100% paperwork-free. So, no need to worry about submitting any paperwork. We’ll simply ask for your bank account, MyGov and employment info. Don’t worry, it’s nothing scary. We use your bank account and MyGov info to access a read-only copy of your statements, so there’s no need for you to submit any documentation! Breezy, right?
8. Will you call my employer?
Ans. In some cases, we may need to contact your employer. Typically, we do this for new customers, and our team of lending specialists are always discrete and respectful. So, there’s nothing to worry about.
9. Will you perform a credit check?
Ans. Yes, as part of our responsible lending practices, we do conduct credit checks. However, don’t let this deter you from applying for quick cash.
10. What are your business hours?
Ans. Applications can be submitted 24/7 via our website; however, our team needs their rest too, so we’ll begin assessing during our office hours.
Office hours:
- 10 am to 6 pm – Monday to Thursday
- 10 am to 4 pm – Friday
- 10 am to 12 pm – Saturday
If you apply outside of these hours, you can expect an outcome from our team of loan specialists on the next business day.
11. How much can I borrow?
Ans. Rather than ask “how much can I borrow” ask how much do you need. We want to help, so firstly apply for what you need, and we’ll do our best to bring you a positive outcome.
12. What happens after I’m approved?
Ans. If you’re approved, congratulations! We’ll send you a loan contract, and once you’ve signed on the dotted line, we’ll transfer your cash directly. Apart from your weekly, fortnightly, or monthly repayments, you don’t need to worry about a thing. If you have any questions regarding your current loan, email us at hello@breezyloans.com.au.
13. What if I don’t get approved?
Ans. First off, we’re sorry you’ve been unsuccessful this time around, but there’s always a next time! We may have said no this time, but we won’t say no forever. You can re-apply after 90 days, and we’ll re-assess your application.
14. How do loan repayments work?
Ans. At Breezy, once your loan is approved, we’ll set up a direct debit with your bank account. So, your repayments will automatically be deducted from your account – completely seamless! What a breeze.
15. What if I need to make changes to my repayment structure?
Ans. We understand that life happens and sometimes you may need to tweak your repayment schedule. If you do, that’s fine, just let our team know at least 24 hours before your next repayment.
16. Do I get charged extra fees if I miss a repayment?
Ans. Yes. Unfortunately, if you miss a repayment, we will debit your account $27.50. Therefore, to avoid any nasty fees, make sure to have your repayments ready to go in your account before they’re due.
17. Can I pay off my loan early?
Ans. Of course! At Breezy, we believe in flexible loan terms. Therefore, if you find a stroke of luck and you’re able to pay your loan off early, do it and save yourself the interest.
18. What if I need to make a complaint?
Ans. We want our customers to be happy! So, if you have an issue with our service, please feel free to lodge a complaint by emailing us at hello@breezyloans.com.au. We’ll be glad to address any problems or questions you have about our loan service.