We’re your new CashPal

Borrowing money can be an effort no matter who you are. Even when you just need a small amount to get you through a rough patch. The effort of finding a lender that is willing to give you a short term loan sometimes doesn’t feel worth it. 

CashPal understands this, truly. Therefore, we want to show to you and prove to you that short term loans are readily available, at any time. Welcome to a place where you and your financial needs are well and truly understood.

Short term loans

As you are most likely aware, there are many companies offering short term loans, but how do you know who to choose? Preparing separate application processes is not only time consuming but can also be confusing and stressful. This is where CashPal is here to help you out. CashPal is the middleman between you and your next lender, to find a lender that best suits you and your situation. CashPal preaches efficiency, reliability and simplicity in the way it works with you. Just apply here today, and we will start searching for a loan that fits your needs.

And we get it, you have to be careful. The internet is a maze that can sometimes lead you to a route of a faulty deal or scam. What you can be sure of with CashPal, is that we only work with highly-reputed lenders that are transparent about their repayment terms and interest, from the moment your relationship begins. We also provide all the information you need about borrowing money to make an informed decision.

How does short term loan differentiate?

You’ve heard about these helpful loans, but what are they really? A short term loan is generally scheduled to be repaid in less than a year. The main difference between short term loans and long term loans is the amount you borrow and the number of repayments you make. Moreover, with short term loans, you’ll pay off your entire loan in a short period of time.

Depending on your credit rating, you may not always be eligible to apply for a wide range of big loans. However, short term loans can be easier to qualify for. You and your lender reach a repayment agreement which will be carried out until the loan is repaid in full.

Does CashPal find lenders that offer short term loans?

The answer is YES! No matter your situation, we could find an option for you. CashPal partner with some of the best lenders in the industry that offers a range of short term loans, including short term cash loans or even short term loans for bad credit.

Unexpected expenses come up, bills are due and expensive events unfold. We get it. Keeping on top of finances can be tough sometimes, especially when you can’t exactly afford to at the time. Rather than watching a debt brew, considering a short term loan to consolidate your debts could be a feasible option.

You can use our loan calculator at the top of each page to get a rough idea as to the cost of your loan. It is a good way to manage your situation before even applying for any loans or being in contact with any lenders. It should be noted that the costs for a specific loan will differ from lender to lender.

CashPal’s Application Process

CashPal is a lender-finder platform that is completely online. So yes, you can borrow money without leaving the comfort of your own home. Our process has been deliberately set up to ensure convenience and simplicity. CashPal casually eliminates the ever-so-tedious step of phone calls and appointments that involve intrusive questions and unnecessary hold-ups just for a simple loan. Instead, all that is required is a simple online application form to start lending!

We have no desire to burden you with lengthy, complicated questions. In fact, we really only want to know the elements that are completely necessary to set you up with a bad credit loan.

We just want to know:

  • The loan amount you need
  • Your repayment length
  • Why you need the loan
  • Current employment status and salary
  • Bank statements

CashPal ensures we will be direct and transparent with you about your loans and trusts you will be the same. Therefore, providing as much information about your employment situation and financial circumstances that you know, can come in handy when we are searching for your lender.

Why we need your bank statements

At times, a lender will ask to view your bank statements as proof of income and expenditure. Don’t stress! this is just their way of verifying whether or not you will be capable to meet the repayment terms on the proposed contract. CashPal’s system will only need a read-only copy of your bank statements to help us find you a lender. Regarding Centrelink payments, your lender may need access to your MyGOV account to verify details. Other documents may be necessary depending on the lender but don’t stress! Everything is confidential and dealt with professionally.

It’s often asked if short term loans no credit check are available. If it is a bad credit rating you’re worried about, don’t be! CashPal has many options for all different types of situations, including short term loans for bad credit same day of application.

You choose what is right for you

We’ll guide you through the process and aim to get the best lender for you. Many people are on the hunt for a loan every day. That’s why we want to make the journey as easy, fast and as painless as possible. We’ve heard it all. Nothing can shock us, we’re just happy you’ve come to CashPal to help you out before your finance gets worse.

It is very common for a bank to reject anyone with a bad credit history which can seem unfair. So, who do you turn to when you need to pay for the emergency bills or parking fine ? CashPal thrives in helping people connect to lenders that offer short term loans because there are more important things to stress over than money. After an initial assessment, we take your loan application to Australian lenders and look to match you with the most compatible loan lender that best suits you and your situation.

The brilliance in what CashPal offers is that essentially, at the end of the day, you decide everything. The ball is in your court. You determine the amount you want to borrow and agree on the final terms. The idea of borrowing money can seem risky, and of course, it can be if you don’t approach it smartly. CashPal connects you with lenders that can look deeper and help those with bad credit, so you don’t feel like you are being treated unfairly for mistakes you made up to 7 years ago. We are completely on your side.

How long does it take to get approved for short term loans?

Applying for a loan probably means you need the money as soon as possible! Our system is completely online which does speed up the process. Cutting out all the unnecessary steps like all the lengthy queues and enduring the painful phrase that we’re all becoming a bit too familiar with: “I’m just going to put you on hold.” We’ve all had to complete our daily errands while tolerating the mind-numbing, classical playlist on the speakerphone with the anxiety that you’re next in line but MAY miss your turn.

You’re looking for a short term loan? At CashPal, we’ll do our best to connect our clients with short term lenders quickly to ensure you get a hold of your cash emergency in a timely fashion. At the same time, our team of lenders make the approval process of your application their priority to minimize your waiting window. In fact, we do our best to try and provide you with an instant cash loan on the same day. Applying within our business hours heightens the potential of receiving the cash the same day of your application.

Just to put all this in perspective, provided everything runs smoothly, you could get an outcome on your application in 60-minutes (depending on your lender and the time you apply).

Eligibility Requirements

The daunting question everyone faces when considering applying for a loan is if you are actually eligible. Will they look at my credit history and reject me right at the door? Do I even have a chance of getting some financial help even though I haven’t had the best luck with money in the past? All these queries are very normal and CashPal is happy to free you from your worries.

Our eligibility requirements are as following:

  • 18 years or older;
  • Earning a regular income into a personal bank account for at least the past 90 days;
  • An Australian citizen or have permanent residency;
  • In possession of a direct contact number and email address.

If you pass this checklist you are ready to get some short term loans! If you’re everything on this list, you are officially ready to apply! Any questions about this or anything to do with our services, please don’t hesitate to contact us and talk to a member of our team today.

Time To Apply!

We’ve said it once and we’ll say it again; CashPal offers efficiency, simplicity and reliability. Filling out a CashPal’s online loan form will only take a few minutes out of your day. After submitting, we could match you with a suitable lender in just a few minutes. All applications must be submitted via our website and preferably during our regular business hours to ensure the fastest response.

Get your short term loans in an instant!

Step 1 – Submit your online application

We’re 100% online! Simply scroll up to the top of this page. Select the amount you’d like to borrow and hit ‘Apply Now.’

Step 2 – We’ll get you in touch with a lender suitable for you

Now, it’s time for us to get to work. We’ll do our best to find you the lender that is best for you. Luckily, we partner only with reputable and trusted lenders that can get you what you need.

Step 3 – Sign the contract

Once we have found you a lender and your lender has done a full, comprehensive assessment, they’ll pop you a contract to sign if you’re approved.

Step 4 – Get your money

Once signed, your lender will likely shoot your moolah over to you no later than overnight!

Apply today!