Get from $5,000 to $70,000 Same Day Approval!!
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 you!
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 lender.
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 following:
● 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 hours).
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.
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 as that.
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.
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. Personal loans come with a higher term and amount. A security may also required for loan amount more than $5000.
No, we don’t offer payday loans Australia. We do, however, offer flexible loan terms, in line with responsible lending practices.
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.
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.
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?
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.
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.
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: Monday to Friday – 10:00 AM to 05:00 PM Saturday & Sunday – Closed If you apply outside of these hours, you can expect an outcome from our team of loan specialists on the next business day.
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. You can borrow from $2100 to $70,000.
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!
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.
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.
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.
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.
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.
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.
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.
Look no further than Breezy Loans for quick finance topped with top-notch customer service and loan specialists who get it.
Loan Amount $2100 - $4800
Loan term 12 months - 24 months Costs
Example This comparison rate is based on $3600 over 12 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 24 months or more.
Loan Amount $16,000 - $70,000
Loan term 12 months - 5 years*
These rates are an example for a loan of $50,000 if borrowing for a term of 5 years.
Example 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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