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Short Term Loans Adelaide | MoneyMe

Get approved for short term loans in Adelaide starting at $2,100 taken over 12 months. Applications for any of our credit products take you just minutes to complete and submit and approvals are fast. If you apply today within our business hours, then you could have the money you’re looking for in your account within 24 hours of applying. We are Australia’s online lender covering all of Adelaide and the surrounding area including Glenelg, Morphett Vale, Port Adelaide, Mclaren Vale and Kensington Park. Apply online now.

What are short term loans used for?

Short term loans and small loans are loans starting from $2,100 and taken over 12 months when you choose MoneyMe. You can use short term loans in Adelaide to help you move to a new rental property, covering upfront costs like the bond payment, movers and end of lease cleaning. We have designed a wholly online application and lending process which means there’s no need to travel into a branch or probably even need to speak with us over the phone. Your application form takes you just minutes to complete and submit via our website and customers who apply during our business hours typically receive a response within the hour. 

Once you receive your quick loan offer from us, it’s simply a case of reviewing your new loan contract and accepting it. There’s no need to print anything out and scan it back to us. You can digitally sign your online contract and once our loans team has received it, we authorise the transfer of your funds immediately. Depending on who you bank with, this could mean that the money you need hits your bank account the very same day. When we say same day loans in Adelaide, we really mean it.

And it’s not just short term loans in Adelaide that we offer. Our range of cash loans is available for balances up to $50000. The application and processing time is the same. Whether you’re looking to finally get those home renovations started, start a new chapter of your life with further education, planning a wedding or an epic overseas trip, we can help you get your hands on the cash that you’re looking for sooner rather than later.

Where can I get short term loans in Adelaide?

If you’re looking for a quick cash injection, then choose MoneyMe. We offer a low doc application process that takes you just minutes to complete and submit. You don’t need to upload your payslips and we don’t need to speak with your employer to confirm your employment details. We offer fast approvals across our complete range of finance using the latest in software solutions like illion’s bank-level encryption software. When you apply for any of our fast loans in Adelaide or Freestyle virtual Mastercard®, we use your latest 90-day transaction statement to confirm your application details.

Your application form will ask you for basic financial information like your current living expenses (rent or mortgage repayments), bills and other debts as well as your general spending habits like entertainment costs. You’ll be asked for information relating to your current employment and you’ll need to use a couple of basic forms of identification. That’s it. Our online form has been designed to be as intuitive as possible and easy to navigate.

Why do short term loans have higher interest rates?

Short term loans like cash advance Adelaide options are usually for lower balances and taken over briefer periods. As a money lender, our income is derived from the interest rates applied to your finance. Higher interest rates reflect the level of risk a credit customer poses as well as the loan term they are applying for. A higher rate of interest may be applied to your short term loans in Adelaide but, because you are repaying your loan over a shorter period, you pay that interest for less time than you would for long term personal loans

You can use our online repayment calculators to show you exactly what a repayment would be like on a loan term and value of your choice. These are great tools that help you define what a comfortable borrowed amount would be and how your monthly or fortnightly repayments will impact your current cash flow before you apply for a new finance option.

If you’re looking to redraw credit funds from your MoneyMe personal loan, then you might be more interested in our Freestyle line of credit option instead. You are not able to redraw credit funds from your personal loan, even if you have repaid some of it already, but you can reuse credit funds you have repaid on your Freestyle account. Freestyle by MoneyMe is an online Mastercard that works just like any other credit card, but with more offers and features. 

Do short term loans affect credit rating?

All credit products, including short term loans in Adelaide, will affect your credit rating but not necessarily in a negative way. Your credit score is at its highest when you don’t have any current credit. Credit enquiries made when you apply for credit products can also reduce your credit rating. So, any type of finance – even applying for it – will impact your credit rating but if you’re up to date with your payments and borrowing only enough that is comfortable to repay, then you can keep your credit file looking nice and healthy.

Apply online now for fast cash from MoneyMe from $2,100 to $50,000. Applications take you just minutes to complete and submit so find out how much you could be approved for today.

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