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November 27, 2020

Emergency Cash Loans

Need an emergency cash loan to cover for a financial emergency? Are you considering getting your debts consolidated? An instant cash loan can be a great solution! It doesn’t matter how earnest you are at saving up as much as you can for the rainy days, emergency expenses can pop out of nowhere, catching you off-guard.

When sudden expenses throw your finances out of balance, getting access to instant cash loans from trustworthy lenders could be just the solution you’re looking for.

This is easier said than done though. Finding the right lender isn’t exactly easy considering the number of providers out there today. In fact, just a simple online search on “instant loans” will bring about hundreds and hundreds of search results.

When your need for extra funds is dire, you won’t really have the luxury of patience and time to sort through all these potential providers in the hopes of picking the best one.

For this reason, MagicLoan will do the heavy lifting for you. We will take on the task of finding the right lenders that can offer you instant decision unsecured loans between $300 and $10000— depending on what’s most ideal for your current situation.

Instant Cash Loans

Instant cash loans

What if you need money today? Instant cash loans are an option for people who aren’t sure what they’ll need but want to get their questions answered quickly. These short-term financing solutions can solve financial emergencies like paying rent or electricity bills on time because it’s given in small installments with no prepayment penalties involved.

We offer fast and easy cash loans that can be used for any purpose.

The best part is, we work with bad credit applicants too so no matter how steady your finances are or what kind of loan you need, from unsecured personal funds to rapid advances on an existing account in as little time frame as possible: our team will find the perfect solution just waiting patiently inside those tough.

Fast cash loans

We are here to help you with your fast cash needs. With our quick and easy application process, we can have funds deposited into the bank account the same day if needed.

Where can I find online instant cash loans?

MagicLoan is a lender locator, specializing in finding the right lenders with the right credit instruments to our thousands of clients. We are in partnership with a network of lenders that offer a variety of loans that are meant to address a variety of client needs.

We cannot guarantee, however, that the lenders you will end up getting paired with are going to offer you instant loans. However, we will do what we can to ensure that you’re matched with a lender that can help you get access to cash loans fast.

What’s really funny about emergencies is how they seem to just pop out when you least expect them and never when you’re still loaded with cash.

However, these are realities of life that everyone has had to deal with and the best you can do is find the right lender as best as you can. What we can do at MagicLoan is find a lender that can provide you quick access to the funds you need. All you have to do is scroll up and access our application form at the top of the page and potentially borrow up to $10000.

How does MagicLoan work?

You’re probably wondering how our service works. We’re here to fill you in on the details. While our 100% 247 online loan platform is unable to give you access to instant cash loans, our super-fast approach to a loan with same-day processing ensures that you will enjoy seamless and hassle-free access to the right lender that can provide you with the extra funds you need.

Since we’re operating 100% online, you can send out your application right from the comforts of home or wherever you are in the country. You won’t even need to print out tons of paperwork or fill out tons of forms and documents as well.

We have streamlined the process to make it easier for you— and you’ll find that the bulk of the work will be done by us. After the application has been submitted and once we have verified for the loan you are interested in, we will work towards getting you matched with one of the many lenders in our network based on the amount you wish to borrow and the personal and financial details you have shared with us.

It doesn’t matter what your reason for taking out the loan is as well. It could be a big purchase you’ve been hoping to make, a holiday you’ve been dying to go to, a wedding event, a home improvement project, a vehicle purchase, educational fees that need paying or even money to pay off your debts. Whenever you encounter a financial emergency, MagicLoan can be your best friend for such a trying time

Get in touch with us and learn more about the ins and outs of how we will find you the right loans from the right lenders. Just submit to us any question you have in mind and we promise to get back to you the soonest we can. Our team of specialists will be more than happy to get your questions answered.

Personal loans explained

Personal loans pertain to the amount borrowed by an individual where the manner in which they will be spending the funds aren’t restricted or regulated by the lender. Borrowers of personal loans have the freedom to spend the money however they see fit, provided that it is something legal. The amount is then repaid via fixed installments over a certain agreed period. These loans also come with specific interest rates. In most cases, personal loans can either be:

  • Unsecured

This means that security isn’t required by the lender from the borrower when taking out this type of loan. You won’t need to attach an asset to the loan when applying for one.  This type of loan exposes the lender to higher risks since there will be no collateral that can be repossessed if you end up failing to pay. Due to this, an unsecured loan is typically associated with more expensive fees and interest rates.

  • Secured

These types of loans will require the borrower to present an asset to secure the loan. This means that if you ever fail to make your repayments, the lender can choose to sell that asset in order to recoup whatever they end up losing from you not paying your due. Of course, this is only done by lenders only after all of their attempts to get you to repay them what you owe fails.

Many of the lenders in our network are known for letting borrows pay out their loans earlier than scheduled without charging any early repayment fees.

Things to look for when taking out a personal loan

It doesn’t matter whether you need an unsecured or a secured personal loan, what matters is that you first check the following factors before making a decision:

  • The interest rate of the loan
  • The application fees
  • Whether the interest rate is variable or fixed
  • What requirements you need to meet to get access to a lower interest loan
  • Whether or not you’re allowed to make extra repayments and if there are penalty fees involved

After all of the loan requirement parameters are met, then you should start the loan application process rolling. While we are unable to offer any guarantee that the credit instrument provided to you will be an instant loan, we will do what we can to get you paired with lenders that are likely to offer same day and fast cash loans.

Upsides to personal loan and instant cash loan

You can sign up for a personal loan for a variety of reasons. There are a number of upsides connected to these types of loans. With a personal loan, you can:

  • Borrow how much you wantIt doesn’t matter if you decide to borrow just a few hundred dollars or if you want to borrow $10000. MagicLoan will work towards finding you a lender that can provide you with the amount you need. 
  • Use it for debt consolidation If you have existing debts that you wish to consolidate, a personal loan can be a good tool to do that. It can be used to pay off any high-interest debts with a loan with low interest rate.
  • More time to pay the debt back Compared to payday loans that need to be repaid after only a short period of time, personal loans will give you more wiggle room when paying your debt back. Depending on the amount you are borrowing and the lender you get paired with, the repayment term can vary from one year to even longer.  
  • Quick approval MagicLoan can get you paired with lenders that will offer you a quick outcome. There is no need for you to have to wait for days, weeks even, if you were applying at a credit union or any other traditional lending provider. To get access to the funds you need fast, apply at MagicLoan.
  • Excellent credit rating isn’t a mustWhere traditional lenders put a lot of emphasis on your credit score to decide whether or not to offer you a loan, MagicLoan will help find you a lender that will be more than happy to extend you a loan even when your credit history isn’t that spotless. Our lender partners are known for looking at other aspects of your personal and financial state when deciding whether or not you have the means to afford the repayments.
  • VersatileCompared to mortgage, car or student loans, a personal loan can be used for just about whatever purpose you have in mind. It can be used for home renovations, car repairs, your dream vacation, paying for medical bills, paying off your credit card balance and a whole host of other purposes.

How can I get an approval for instant loans?

Before applying for a loan with MagicLoan, see to it first that you have met our eligibility criteria. To qualify for instant loans, it is important that you meet the requirements listed below:

  • You’re 18 years or older
  • You hold Australian citizenship or permanent residence
  • You have a working email address and phone number
  • You have been receiving a regular income into your bank account for at least 3 months

Once you meet all these requisites, you are more than ready to send in your application form!

Quick Loans Online

Can I take out loan with no credit check online instant cash?

If your credit is bad or if you have not established any credit at all, you will probably be thinking that the chances of you securing a loan are just next to none. Not at MagicLoan! While our lender partners will carry out some form of credit assessment when assessing your bad credit loan application, they will never look at it as the sole deciding factor on whether or not they should offer you a loan.

This means that they will look at other factors such as your bank statement and the income you are earning along with your spending habits to determine whether it will be worth offering you a loan or not.

If you’re still not 100% sure about which lender you should send an application to, let MagicLoan assist you instead. We will help locate the right lenders with the most appropriate credit instruments in accordance to your needs.

While there is no way for us to guarantee that you will be offered an instant cash loan, we will do our hardest to find you a lender that can offer you fast loans between $300 and $10000. In just a few minutes, you can finish filling out the application form. Once that is sent to you, we will do the job of locating potential lenders on your behalf.

Can I apply for a loan even when I’m receiving Centrelink benefits?

Yes. We know all too well how hard it can be to get access to a loan when you’re a Centrelink recipient. Most traditional lenders including credit unions and banks won’t even possibly pay attention to your application if they find that you are receiving Centrelink payments.

However, the lenders we work with at MagicLoan are known for being understanding and flexible when it comes to accommodating the different financial situations that our borrowers find themselves in.

With this, we don’t just reject an application from Centrelink borrowers instantly. We understand how times can get tough sometimes and financial emergencies may happen. This is why the lenders in our network will always give people on Centrelink a fair chance at getting loan approval.

 We aren’t able to offer any guarantee that you will be offered an intent loan. This is because all of the lenders within our network are known for their responsible lending practices, which means that every loan application will have to undergo certain credit assessments. Also, we will do our best to ensure that the lender we end up pairing you with will be ire than happy to accept applications from Centrelink recipients.

What are the lender finders?

Locating the most reputable lender isn’t always easy to do. It is a bit tricky to find the best one there is especially since there will likely be hundreds of potential providers for you to choose from.

When you’re working full time, you will likely not have the luxury of time to scour through your options in the hopes that you will end up with the most reliable lender there is. Researching the best lender there is can take days, even weeks, there are a number of things you need to do including making cost comparisons and repayment terms. More importantly, you need to check too if you’re dealing with an authentic lender.

When you apply at MagicLoan, there is no need for you to have to go through all that trouble. We are more than happy to help you get paired with the right lender. We have been in the business for years so you can trust that we know exactly what we are doing when it comes to pairing you with the best lenders out there. More importantly, we get you paired with lenders in accordance with your specific circumstances.

By letting us do the heavy lifting, the whole loan application process becomes quicker and seamless. Through our quick online application process, you can get access to loans fast so you will get access to your funds and spend it on things that matter.

How do I apply for cash loans?

Sending an application for MagicLoan’s online locator service is easy! Just follow the steps below:

Step 1. Send us an online application

To get the ball rolling, just scroll up and access the online calculator at the top of the page. Use the slider to choose the specific loan amount you’re interested in. Choose your preferred repayment period as well. Once you’re pleased with the figures on the screen, proceed by clicking Apply Now.

Step 2. Fill out the form

You will then be taken to the application page. All you need to do is fill out the form as accurately as you can. It should only take you a few minutes to get this done. Just hit Submit once you’re done.

Step 3. We’ll locate a lender on your behalf

After we have received your application, we will work towards finding a suitable lender for you. We will work towards locating a lender that will offer a loan that’s appropriate for your specific circumstances. Once we have found a suitable choice, we will get your details sent over to the lender and they will then be in touch with you.

Step 4. Need to review the contract, sign it and get quick money

After the lender gets a hold of your application details, they will perform the necessary assessments to determine whether or not they will be able to offer you a loan. Always take the time to review the agreement before signing it. Make sure that you have a good grasp of the terms and conditions. Only when you are satisfied with the content of the loan contract should you sign it and send it back.

After the signed contract is received by your lender, they will begin transferring the cash soon after. Note that how soon you can get the money will depend on the time of your application and when your loan was approved.

MagicLoan.com.au (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).  

MagicLoan is not a lender and does not make credit decisions. MagicLoan matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. 

Consumer Advisory: MagicLoan is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.