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No Credit Check Payday Loans - What Are They?

Can you really get loans with no credit checks?

Have you been googling with no credit check payday loans? At Breezy, we love helping Aussies get the fast cash they need when they need it. Our team does their very best to match you with a compatible loan as soon as possible. You could even have the cash on the same day! At Breezy, we’re here to help you get a loan that suits your individual financial circumstances. So, let’s take a closer look at how we might be able to help you!

What are no credit check payday loans?

If you’ve been googling ‘no credit check loans’, ‘loans no credit checks’, ‘loan no credit check’ or ‘no credit check loan’ then your probably wondering what they actually are.

Let’s start with the basics. A payday loan is essentially just an amount of money that is borrowed and then repaid in full on the borrowers next payday. A no credit check payday loan simply means your credit score will not be checked when your application is assessed. Here at Breezy, we provide no credit check payday loans. We can, however, help you access personal loans up to $5,000 despite your credit history.

Ultimately, it is important to keep in mind that these types of loans can often attract high-interest rates and incur other fees and charges. It is important to seek your own financial advice before signing an agreement.

Can I borrow cash with Breezy?

Yes, Breezy Loans is an online lender offering personal loans up to $5,000. Think of us as the middleman between you and your perfect personal loan. Our team will carefully and quickly assess your application to determine if we’re what you’re looking for. If we can provide you with a loan, we’ll be in touch ASAP. In the event you don’t meet our lending criteria, we can refer your application to another lender. We only partner with ASIC licenced third-party lenders, so you can rest easy.

Who can apply?

Like what you hear? The good news is, we like to keep our application criteria as simple as possible so you get the best possible chance at approval on a loan. If you’re searching for no credit check payday loans, keep in mind we do not provide these types of loans. You could, however, apply for a fast personalloan with Breezy. You’ll just need to meet the following:

  • Be over 18 years old;
  • Be an Australian citizen or permanent resident;
  • Have a driver's license;
  • Be receiving a consistent income into a personal bank account for the last 3-months;
  • Have an active phone number or email address.

What documents will I need?

At Breezy, we won’t ask you to provide any paper documentation when you apply with our lender-finding service. All required documentation can be submitted 100% online. If you’d like to make the application process as simple as possible, we recommend having the following close by:

  • Online banking details;
  • An active email address and mobile number;
  • The reason you are applying for the loan;
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer and contact details.

Can I get a loan with bad credit?

Worried that bad credit could stand in the way of a personal loan? If you’ve been googling ‘loans with no credit check’, ‘payday loan with no credit check’, ‘payday loans no credit checks’ or ‘payday loans with no credit check’ then let us put your mind at ease.Breezy looks at more than just your credit score. That means you could still be approved for a personal loan if you have bad credit.

Some Aussie lenders prefer to look at your current relationship with money, rather than focussing on the past. At Breezy, we believe in responsible and as a resultcan’t guarantee approval for any applicant. We can, however, guarantee that our team will do their very best to find you a compatible lender.

How much does an application cost?

Nothing! You can apply with Breezy free of charge - you won’t be asked to pay anything for an assessment of your application. Most of the time, our team does their best to get back to you as soon as possible. If you choose to apply during AEST business hours, you could even hear back from us on the same day!

How does it work?

Stop googling ‘no credit check payday loans’ and apply with Breezy! Our application process is 100% online and you could even have an outcome on the same day. Here’s what you’ll need to do:

1. Apply online

Head to our loan calculator to select a loan amount and repayment period that suits you. We’ll ask you to fill out a fast electronic application form. This could only take a few short minutes. The Breezy team recommends you keep your documentation close by to make the process as streamlined as possible.

2. Receive an outcome

As soon as the Breezy team receives your application, one of our trained specialists will carry out an assessment. If we’re able to offer you a loan, we’ll be in touch!Ideally, you’ll hear about the outcome of your application within 60 minutes (during our regular business hours).

3. Get your cash

If you’re approved, we’ll transfer your cash as soon as we receive a signed copy of your agreement. Some Aussie lenders now offer instant transfers, which means you could have the cash in your account and ready to use in just 60 seconds! If not, then you can expect to see your funds in your account the next business day. Simply refer to your bank for more details.

Ready to Apply?

Great! start your application. Although we can provide no credit check payday loans ourselves, we will do our best to find you a suitable loan today!

Searching for a breezy, personal loan?

Look no further than Breezy Loans for quick finance topped with top-notch customer service and loan specialists who get it.

Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 is licensed and provide credit services under Australian Credit License 389610. If we could not provide you credit, we will help to match your credit enquiry with another lender partner from our panel of lenders who we think may help you. Our panel of lender partners are licensed and follow responsible lending practice. We may receive referral fee (amount not ascertainable) if you decide to go with them once approved. However, they may ask you further information to assess your loan application where you can deal directly with that lender.The information on this website is general in nature and does not take into account your objectives, financial situation or needs & does not constitute any financial advice. We strongly recommend you take independent advice before choosing any loan product.

Disclaimer: "Same Day Approval" as advertised - means, the applicant will get the application outcome on the same working day. If you are applying after working hours, you will get the reply next working day. Public holidays might affect the process of the outcome.

Disclaimer: "No Credit Check Loans" as advertised - means, most of the decisions are based on the present income of the applicant. There could be several reasons behind bad credit in past. A strong employment history and zero dishonour in last 90 days are required to be eligible for a no credit check loan. The lender can also perform a credit check as it is a part of application processing.


*Instant transfer is available to PayID holders with participating Australian financial institutions. Most of the payments are typically settled in under 60 seconds but may be subject to checks and holds at the sending or receiving bank. As the reason, our standard payment transfer time is 24 hours.

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