For bad credit personal loans and more,
let us find you a lender.

For bad credit personal loans and more, let us find you a lender
Unsecured Personal Loan | $2,100 to $10,000 | One Application, Hundreds Of Lenders | Apply Now

Unsecured Personal Loan | $2,100 to $10,000 | One Application, Hundreds Of Lenders | Apply Now

What is an unsecured personal loan?

An unsecured personal loan, in certain situations, be a great way to cover a temporary cash shortfall or as a way to fund your dreams. Pocket cash is a lender-finder that, with one application, can sort through hundreds of lenders to find an available credit provider. Forget tedious hours spent searching online, and instead, choose Pocket Cash.

If you’ve been searching for the unsecured personal loan meaning, then you’ve landed in the right place.

An unsecured personal loan is a loan that is approved based solely on the borrower’s creditworthiness. Unlike a secured personal loan, an unsecured loan will not have any asset attached as security. Pocket Cash can find lenders offering both secured and unsecured personal loans of up to $10,000.

An unsecured personal loan is riskier for the lender, so it generally has higher repayment rates and interest. However, we work with lenders who offer reasonable rates for unsecured personal loans Australia. Want to know more? Read this!

Where can I find unsecured personal loans?

We are Pocket Cash, a 100% online lender-finder service. Put simply, we’re experts in connecting customers from all over Australia with online lenders who can help to get them out of a financial pickle. We facilitate loans of all different types including travel loans, medical loans, loans for vet bills…the list goes on!

Additionally, we are specialists in finding our customers unsecured personal loans for bad credit. What this means is that even if you have a bad credit history, it doesn’t mean you have to have a bad credit future.

We work with lenders who offer bad credit unsecured personal loans with very fast approval. We are only the lender-finder, therefore we cannot guarantee whether or not your lender will conduct a credit check. Pocket Cash can, however, guarantee that we work with lenders who may be happy to look past your poor credit. But enough of our chatter, let us run you through how it works…

3 Steps For Applying For A Loan

Here’s how you can get started using the Pocket Cash lender-finder service:

1. Submit this simple application form

Our loan application form couldn’t be easier. All we ask for is some basic information about you, your circumstances and the loan you want. You could fill it out in the same amount of time it takes you to make a cup of coffee! And the best bit about it is, you can do it from anywhere, at any time! All you need is a smartphone, tablet or laptop and an internet connection.

Once you’re finished just hit submit and wait for us to get in contact!

2. We’ll be in touch

We will take your key information and cross-check it against our partner lenders. If we find a lender who can offer you the loan you need, then they’ll be in touch. This can be as quick as a few hours if you apply within normal business hours, and usually within one business day if not. Make sure you give us active contact details so we can get in touch right away when we find you a lender.

Even if you have a bad credit history, our lenders may still be able to offer unsecured personal loans bad credit instant decision.

3. Your loan could be waiting

Once we find you a lender to meet your needs, we’ll be in touch. We will then connect you directly with the lender so you can discuss the arrangement in more detail. Don’t worry, you are not tied into any contract until you sign it.

Make sure you read the details and terms before you sign on the dotted line. If you are unsure about anything regarding the loan process, make sure that you ask your lender.

Who can apply for a loan

If you’re 18 years or over with residency in Australia, and have 90-days of income proof, then chances are we can probably help!

The criteria you have to meet in order to apply for unsecured personal loans are listed below:

-18 years old or over;
-Australian resident or citizen;
-Valid and active contact details e.g mobile phone and email address;
-Employed for the past 90-days or able to prove 90-days of income.

Can I apply for a loan if I’m unemployed?

So long as you can still prove 90-days of income, then you will still be able to apply with Pocket Cash’s lender-finder service. We work with lenders who are happy to consider regular Centrelink payments as a form of income. Therefore, if you are receiving government benefits through Centrelink, you will need to provide these details so lenders can verify that you have a consistent income.

Can I get an unsecured personal loan for self-employed?

Yes! While we don’t offer the loans ourselves, we definitely know a few lenders who can. So, if you are self-employed, you just need to follow the same process as if you were salaried employed. You will need to provide a bank statement showing the past 90-days of income.

Can I get a personal loan if I have bad credit?

Whilst we can’t say for sure whether or not you’ll be approved for an unsecured personal loan. We can tell you that you have a better chance than if you apply independently. That’s because we work with lenders who can offer unsecured personal loans bad credit instant decision Australia.

Not only do you have more of a chance of being approved for a loan you want, but because we can offer fast decisions, you will know either way within a few hours. Although we have excellent success rates when it comes to finding you the right lender, if you’re not approved, you will know straight away. Therefore allowing you to get on with your life and make alternative arrangements if necessary.

How much can I borrow?

If you need an unsecured personal loan from $2,100 to $10,000 then we may be able to help. We work with lenders who offer loans within this range with repayment terms from 12 to 24-months. The maximum repayment term will depend on how much you’re borrowing. If you needed to borrow $5,000 it would likely be 24 months.

Your approved loan amount and repayment length will depend on your individual circumstances and may vary from lender to lender.

What will my unsecured personal loan interest rate be?

Your individual circumstances and your lender will determine the interest rate on your loan. Whilst we can’t tell you what your exact interest rate will be, we can give you an idea. Head over to our loan calculator where you can find out roughly what your repayments will be, dependent on the size of the loan you want.

You may find the estimations below for various sizes of loan can also be helpful:

Medium Personal Loan – $2,100 to $4,600 – 12 to 24-months
Large Personal Loan – $5,000 to $10,000 – 12 to 24-months

Why choose Pocket Cash?

So now you know what we do, the big question is: why should you choose us as your unsecured personal loan finder? Why not go straight to the lender? Well, we’re glad you asked:

We save you time

Applying for many different lenders can take days or even weeks of your time. Time that you probably don’t have if you’re looking for fast cash loans. Lenders have varying response times, so you may find yourself waiting around for an answer.

Filling out our easy to use application form takes no more than a few minutes. We put your application in front of multiple lenders in one go. From there, all you have to do it wait for us to get in touch.

Fast response times

Our automated system can find you a lender incredibly quick. Apply within normal business hours and you could hear from us within an hour or two of applying. From there, correspondence and reaching an agreement with your lender could take place the same day. No more waiting around for your unsecured personal loans bad credit instant decision Australia.

The lenders we look for

The internet can be a tricky place to navigate, especially when it comes to finding a loan. How do you know which companies are legitimate, and which you can trust? We recommend taking a look at the MoneySmart website to check if a lender has been reported for scams.

It’s also a good idea to make sure that the lender has an Australian Business Number (ABN) and an Australian Credit Licence.
If you want to dig a little further, take a look at the online reviews for your lender to see what other consumers have to say about them.

Are you ready to apply?

Have you heard all you need to know to apply for your unsecured personal loan? If the answer is yes, then you know what to do! Head over to our application form now to begin your journey with Pocket Cash.

If you have more questions, our FAQ page can be a useful resource. You can also find us on social media! Connect with us on Facebook.

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Why choose Pocket Cash?