Our interest rate is 1.25% per day which is an Annual Interest Rate of 456%. An establishment fee of $21.50 is applied to each loan. An optional fee of $10 is charged if you want an Express Payment of 60 minutes into your bank account
A pay day loan is for a short term only, usually 2-6 weeks or until your next pay. Don't use this type of loan if you need to make repayments over a longer period.
The amount you can borrow depends on your income and expenses. $600 is the most anyone can borrow and not all customers will qualify for this amount.
You must be working and earning at least $450 per week after tax. We don't lend to anyone who is bankrupt or on a government benefit.
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Late repayments may result in serious money problems for you. If you miss a payment then you may be charged $10 default fee. Interest on the loan will continue to be charged at 1.25% per day on any unpaid balance for up to 60 days after the start of the loan.
If the unpaid balance is overdue after 60 days or If you miss any payment we will pass the unpaid balance on to a collection agency and we will incur collection fees. This will have a negative effect on your credit rating and will cost you the amount that the collection agency charges us.