Instant Cash?
A 
HELPS
Select LOAN AMOUNT
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Amount Borrowed:
180354
Fees*:
$350
Total Repayment:
$1,850
HELPS180354
$350
$1,850
HelpsWe offer instant cash loans ranging from $300 to $5000 — perfect for covering unexpected expenses within a short period of time.
Even if you’ve had prior credit issues, we may still be able to assist. We know that a past credit incident doesn’t necessarily affect your ability to make repayments today — but it can make it difficult to secure a loan of any kind, particularly instant cash loans. That’s why we’re an alternative lender that provides options for borrowers who need quick cash and may have been shut out of other options.
Importantly, here at HANDOUT, we can get you the cash quickly. If your application for an instant cash loan is approved, we can transfer the funds to your account within an hour. We understand that if you’re applying for an instant cash loan, you need cash in a hurry — so we don’t believe there’s any benefit to stretching out the process.
We want to make sure it’s as easy as possible for you to apply for one of our loans. Paperwork should be a thing of the past, and we’ve done everything we can to get rid of it.
We’re usually able to provide very fast approval on your loan applications. We understand that if you’re applying for a loan, then you need cash quickly, and we want to be able to give it to you as soon as possible.
Everyone’s circumstances are different — that’s why we have flexible payment schemes on our instant cash loans, to suit your particular needs.
An instant cash loan is a small personal loan which can be paid very quickly. The approval process is also designed to be extremely simple and funds are dispatched to successful applicants immediately.
Instant cash loans are unsecured loans. This means the applicant does not need to provide any security to receive the loan. Your eligibility to receive a HANDOUT instant cash loan is determined by your current income levels and capacity to repay the loan. Your credit history or ability to put up collateral is not our primary concern.
Instant cash loans can be used for any purpose. The most common uses include paying for car repairs, furniture, wedding expenses, gifts, vacations, medical expenses, and utility bills. They are useful for whenever you need quick cash now.
We make it simple to apply for an instant cash loan with our online application system. In most cases, applicants will find out if they are eligible for a loan immediately. If you are approved, the cash will be sent to your bank account straight away. It is a convenient way to access the funds you need today. Why struggle with bills when an instant cash loan is available? Contact us today to learn more or apply online now.
1
You need to be at least 18 years old to apply for a loan. We will ask you to provide us with your personal information and also a valid mobile number and email address.
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Forget payslips, bank statements and other paperwork, our advanced in house technology enables you to use your internet banking details securely so that we can instantly verify your income and expenses all without using a third party provider.
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You will need to have a recurring source of income; this can include income such as regular government payments or payments from your job.
Example: Loan Amount of $1,000 repaid over 3 months (12 weekly payments).
$1,000(Principal Amount) + $200(20% Establishment Fee) + $120(fees based on 4% per month over 12 weeks) = $1,320 total repayable in 12 weekly instalments of $110.
Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR %). The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. The given comparison rate only applies to the presented example. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate.
Example: Loan Amount of $2,500 repaid over 6 months (13 fortnightly repayments).
$2,500(Principal Amount) + $400(Establishment Fee) + $334.89(Interest) = $3,234.89 total repayable in 13 fortnightly instalments of $248.84.
Under the current legislation, the maximum annual interest rate is 48% and there is a $400 Establishment Fee. The maximum comparison rate on loans between $2,100 and $5,000 is 65.6597% p.a. The given comparison rate only applies to the presented example. Any deviation in loan amount, term, or additional fees and charges can result in a different comparison rate.
HelpsIn order for your online loan application to be considered, you have to be at least 18 years old. You also need to have a regular income from a full time or part time job. This also includes government benefits and pensions. However, keep in mind that we usually don’t let your income come fully from government benefits or pensions.
HANDOUT is built on responsible lending. You will need to show that you can comfortably pay your repayments. We tend to disapprove loan applications if there is any risk of being placed in a financial pickle as a result of borrowing money from HANDOUT.
We are responsible lenders. We lend to people with good credit and bad credit ratings, as we focus on your ability to meet your payments, not your past financial situation. So whilst we do check your credit, it plays a small role in our decision making.
We won’t do it without your express consent, which you provide to us when you apply for a HANDOUT Loan. As part of our credit assessment, we may decide that we need to check your credit history, in which case we will make an enquiry on your credit file.
We encourage our users to pay off their HANDOUT loans as soon as possible! The quicker you pay your loan, the less you will be charged in monthly account fees. Paying off your loan before its due date will be a positive mark on any future applications.
This all depends on how much you need, your financial history and current financial circumstances.
You can loan between $300-$5,000 (depending upon your ability to repay) using HANDOUT's fast online loans. Rather than paying back the full amount in a single payment, you can repay the balance you borrowed (including the transparent fees) over 2-6 months.
Yes! We are 100% online and our fast cash application process is available 24/7/365.
Our state of the art application is super simple and requires only a few minutes. If all goes well, then your loan amount will be in your account within an hour or two. And just so you know, our fastest ever funded application took ONLY 94 seconds.
At HANDOUT, we feel all Australians should have the ability to have access to the resources they most need. We take the broader context into perspective when certain other lending institutions only check the credit history of an individual when determining if they are ready to obtain any credit with them.
If you apply for a loan with a direct lender like HANDOUT you should know that we take into account a number of factors when deciding if you will be able to meet your repayments. If you have been turned away for payday loans elsewhere, put your hand out for a HANDOUT loan today!
HANDOUT loans can be used for many purposes. The most common uses include paying for car repairs, furniture, wedding expenses, gifts, vacations, medical expenses, electronics, one off purchases or that amazing show you just can't miss. HANDOUT loans are useful for whenever you need now.
