1. Simply complete the 5 minute pre approval and application form online.

As part of our assessment of your first application we will carry out a credit check.

We understand that from time to time people may have a few troubles and often defaults, but our policies are not as tight as banks and mortgage lenders and generally we approve most applications.

However, there are still cases when applications are declined. If you are now bankrupt, or have an extremely bad credit history, your application will be declined.

If you are paid weekly, $200 is the maximum first time cash advance - $300 if you're paid fortnightly and the lesser of $400 and 25% of your net pay if you're paid monthly.

Once you have developed a trusting relationship and provided you keep your end of our promise you can get up to $600 depending on your income level.

Repayment is due on your next pay day. For your convenience you can opt to either pay it back over 2 to 4 consecutive paydays or in one lump sum. Customers paid monthly are required to make full payment at their next pay date. This is simply done via a direct debit on your payday. You will receive a email one day prior, reminding your that the payment is to be debited on the due date. The agreed amount, as per your chosen repayment option will be automatically deducted from your account.

It is our policy to have loans repaid in full as quickly as possible so you can get on with your life. We aim to only allow you a maximum credit limit you can afford, so you don't get into trouble.

If difficulties arise we can allow one extension per advance, which will cost $35, this will reduce your maximum credit limit on future advances. If your advance is not paid after this time it will be considered in default

Unfortunately it can take three to five days for your bank to confirm your direct debit payment has cleared through to us. By requesting your next cash advance before payment clears, you can receive your funds as soon as your final repayment clears without further delay.