Trying to find credit when you have bad credit history can feel like an impossible task. Most
traditional lenders are going to automatically decline you as soon as they take a look at your
credit. This can be incredibly disheartening, especially if you need to get your hands on
some spare cash, fast. But, it doesn’t have to be as hopeless as it might seem. Rather than
sitting there Googling no credit check payday loans, take a look at Breezy Loans first. At
Breezy, we love helping Aussies get the fast cash they need when they need it. The team at
Breezy understands that not everyone is going to have perfect credit scores and we’re
willing to give everyone a fair go. So, let’s take a closer look at how we might be able to help
If you’ve been googling ‘no credit check loans’, ‘loans no credit checks’, ‘loan no credit
check’ or ‘no credit check loan’ then you're probably wondering what they are.
Let’s start with the basics. A payday loan is essentially a small personal loan that is
borrowed and then repaid over a short period of time, usually 3-12 months, depending on
how much you borrowed. A no credit check payday loan is a loan that people might search
for if they have bad credit history that is preventing them from getting a loan with a traditional
While it may be tempting to try and find a no credit check loan, credit checks are an essential
aspect of responsible lending practices, meaning you will unlikely be able to find a reputable
lender to provide you with a loan without conducting a credit check. All is not lost though.
Here at Breezy, we don’t provide no credit check payday loans, we can, however, help you
access a personal loan up to $5,000 despite your credit history.
Yes, you may be able to borrow cash from Breezy even if you have some bad credit history
in your past. Here at Breezy, we understand that not everyone is going to have a perfect
credit score. Life happens and for many of us, that means that our credit scores can take a
bit of a hit every now and then. But, unlike the larger traditional lenders such as banks, we
won’t give you an automatic no when you apply for a loan with us. We make our decision
based on your overall financial situation. We assess your income, expenses, commitment
levels, repayment history to other lenders or commitments and your credit score to get a
much better snapshot of your finances.
We’re firm believers that everyone deserves a fair go, and if we can approve you for a loan, we will.
Like what you hear? The good news is, that we like to keep our application criteria as simple
as possible to give as many people as possible the chance to apply. 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 personal loan with Breezy. You’ll just need to meet the
● Be over 18 years old
● Be an Australian citizen or permanent resident
● Have a driver's license or form of ID
● Be receiving a consistent income into a personal bank account for the last 3-months
● Have an active phone number or email address.
At Breezy, our entire application process is online and all the required documentation can be
submitted 100% online as well. 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.
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 our business hours, you could even
hear back from us on the same day! If you’re approved, your cash could be in your account
in as little as 60 minutes.
Stop googling ‘no credit check payday loans and apply with Breezy! Our application process
is 100% online and incredibly easy to apply for. Here’s what you’ll need to do:
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 should only take a few short
minutes. The Breezy team recommends you keep your documentation close by to make the
process as streamlined as possible.
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
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
Great! start your application. Although we can’t provide no credit check payday loans
ourselves, we will do our best to find you a suitable loan today!
If you apply for a small personal loan or a payday loan with Breezy Loans, we will conduct a
credit check on your application. We conduct credit checks as they are an essential part of
responsible lending practices. If there are any lenders who are promising you loans with no
credit checks guaranteed, we would recommend that you tread carefully. Lenders that don’t
conduct proper assessments are likely to be lenders that are willing to take shortcuts and hit
you with as many fees as they possibly can. While it may seem like a great deal at first,
loans like these often end up being more headaches than they are worth.
If you are lucky enough to be approved for a loan with Breezy Loans. We will make your
repayments as easy as possible. We will set up direct debit repayments that will be
scheduled to come out of your account automatically on your payday. All you will need to do
is ensure there are adequate funds in your account for your payment to clear. It’s as simple
The amount that you are able to borrow will depend entirely upon your personal
circumstances. Factors such as your income, expenses, collateral and repayment history to
other lenders are all going to impact how much you are able to borrow and what lenders are
comfortable offering you. Breezy offers loans up to $5000, however, we may choose to
approve you for a smaller amount than what you applied for.
Getting in contact with the team is easy. If you have any questions or concerns about your
loan application, or you want to chat about your existing loan with us, weld love to hear from
you. Simply drop us a message over here (https://www.breezyloans.com.au/contact/) and
our team will get back to you as soon as they can.
We offer all of our clients very reasonable repayment terms. The exact amount of time you
have to pay back your loan will depend on what your assessor determines fits best into your
budget, however, our repayment lengths can range up to 12 months. Feel free to give us a
call and chat with us about your repayment terms if you need to.
Look no further than Breezy Loans for quick finance topped with top-notch customer service and loan specialists who get it.
$5000 - $15,000
12 months - 36 months
This comparison rate is based on $10,000 over 36 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 36 months or more.
$16,000 - $70,000
12 months - 5 years*
These rates are an example for a loan of $50,000 if borrowing for a term of 5 years.
Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more.
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