In Need Of Money Fast? Safrock Has the Low-down On Getting A Loan In Minutes

Emergency cash when you need it

We often think of loans as being a last resort, when things are about to hit the fan. What we don’t realise is that a loan in minutes is actually a great way to cover unexpected bills whilst keeping your finances on track. Minute loans are small personal loans and are designed to be affordable and available exactly when you need it – in just minutes! It can also be used to illustrate consistency on your credit file if you pay on time with your selected repayment plan.

Many Australians are currently living with outstanding debts that they pay off gradually with each paycheck. A loan doesn’t have to affect your lifestyle if you are strategic and realistic with your budgeting. Ultimately, if you’re smart with your spending, you can still go out each weekend, spend your money on the things you want and pay off your debts! However, in the unfortunate event of unexpectedly high bills and expenses, it might throw you off your well-planned budget. But you don’t need to go digging into your savings, you can apply for a loan in minutes!

Safrock – Who are we? 

Safrock is the lender-finder more Aussies are turning to for fast, reliable personal loans.  What is a lender-finder? We’re glad you asked. Essentially, we’ll find a lender for you. This means you won’t have to sift through pages and pages of google results. Because let’s be honest, nobody has that sort of time on their hand. Our application only takes a couple of minutes to complete and then we’ll do the hard work and find a lender for you. With personal loans of up to $25,000, Safrock finds loans for people for all purposes. Our team is committed to matching Aussies with lender’s suitable for their needs and financial circumstances. 

What is a minute loan? 

A minute loan is pretty straight forward, it’s basically just a fast approval personal loan! We can all find ourselves in situations where we need money fast. Maybe your car has broken down, you need to replace an old fridge that is no longer working or you’ve experienced a medical emergency. Unexpected occurrences of this nature happen all the time, and when you don’t have the cash upfront to cover the costs, it can be stressful and frustrating. In such situations, all you can wish for is money in a minute.  

Typically minute loans are fast and easy to get your hands on. Minute loans will often be unsecured meaning that they don’t need to be attached to an asset such as a car, motorbike or boat. Lenders offer small loans fast as a short-term solution that is perfect for if you’re looking for urgent cash to cover any unforeseeable bills.

How to apply for a 1 minute loan 

You can easily apply for a loan in minutes online! Don’t bother with long queues and paperwork. Safrock’s 100% online application takes most people only a few minutes to complete! 

Step 1: Apply online

Scroll to the top of this page to find our loan calculator.  Put the amount you’d like to borrow and the repayment period hit ‘Apply Now.’ You’ll then be taken to our simple application. Don’t worry you won’t be asked any unnecessary questions. You’ll just need to provide some basic information and then click ‘Submit.’ 

Step 2. We’ll get to work

Once you’ve submitted your application, we’ll get to work in matching you with a suitable lender. If you apply during AEST business hours you can expect a same-day response. 

Step 3: Meet your lender

If we have been successful in finding you a suitable lender we’ll put you in touch to discuss terms. If you’re approved for a loan you’ll be sent a loan agreement for you to review and sign. We recommend reading over this carefully to make yourself aware of any fees or charges for late or missed payments. Once you’re happy, sign your agreement and send it back to your lender.  If you’re having second thoughts, remember that Safrock has a no-obligation policy. If you decide that none of the loans you’ve been presented with is right for you, then you’re absolutely welcome to withdraw free of charge.

Step 4 Wait for your cash

The time it takes for you to be paid all depends on the bank you are with and the time of day you apply. You can probably expect to see your money in your account before the end of that or the next business working day.

Where to find minute loans online?

You can search on Google for ‘loans in a minute’ and you’ll be directed to all sorts of clickbait for loan services. By looking at the reviews and reading the fine print on their websites, you’ll be able to make a decision on a lender service that suits you.

Alternatively, you can put your trust in the hands of expert lender-finders like Safrock who will pair your loan request to a selection of reputable lenders. Lender-finders spend their time evaluating the service of lenders in order to form a network of only the best loan providers out there.

Is it possible to get 60-minute online loans? 

If you apply for a loan during AEST business hours, you can get a loan a response from your lender in as little as 60 minutes, however, this differs from lender to lender. You could possibly receive a cash loan in 60- minutes! If your application is assessed and approved right away, you could receive the cash in your bank even faster. If you are eligible, you could receive a 10-minute loan, 15-minute loan or a loan in 30 minutes. This is subject to when you apply and how fast your application is assessed. However, lenders will need to review your application before you can receive your cash loan. If you’re approved you can get your cash loan in just minutes!

What can you use a minute loan for?

There are many purposes for personal loans. It really all boils down to the situation you’re dealing with. Either way, minute loans are a great way to get yourself out of trouble. You might want to consider getting a small loan for car repairs,  a holiday, home improvement, and for medical emergencies.  

Can you get last-minute loans for bad credit?

Your credit report may be checked to spot any outstanding debts. Your current employment information may also be reviewed. However, most lenders won’t assess your application solely on the basis of your credit score. Your lender wants a better understanding of spending patterns and habits as well as your relationship with money. They need to be able to trust you before getting you the cash loan you are looking for.

Unfortunately, you may have recently dealt with something in your life that has impaired your credit score. Circumstances arise that are out of our control and can be difficult to rise out of. Defaults or infringements appear on your credit score when you miss scheduled repayments. Also, if you avoid giving a reason to why your bills haven’t been paid on time. Bad credit scores are usually valued anywhere between 0-500 . Whilst defaults can stay on your credit file for a long period of time, they don’t remove your chances of getting your hands on a loan. We don’t think a mistake you made up to 7 years ago should affect your ability to get a loan today.  So there you have it! You could get a fast approval loan even if you have a poor credit history!

If you’ve been applying for loans and not having much luck, we may have the answer! Whilst it’s unusual for a lender to offer minute loans no credit check, lenders will judge the risk factor by reviewing your current relationship with your finances. 

Can you get a loan whilst on Centrelink?

You sure can! Getting money from Centrelink counts as a regular source of income. It could qualify you for a loan with many lenders. Those on Centrelink or people who are unemployed will only be able to get their hands on small to medium-sized loans.

It’s worth knowing that if you have received an emergency Centrelink payment in the last 3 months, you will not be eligible for a loan. However, you can receive loans in a minute if your application is approved.  

There are lenders all over Australia who can help you get the finances you need to get back to work. You might be looking to get a new laptop so you can bump your resume and job applications. Or are you just trying to pay off an unexpected bill? A loan can help relieve the stress of unemployment and make room for you to focus more on getting a dream job. Having cash loans in your pocket within a minute can give you back your mojo in time for your next big interview. 

How can we help?

Expect the best service when using Safrock. Our clients are at the heart of what we do. We tailor our solutions to your problems, not the other way round. You are what matters to us. We want to make sure that your experience with us is a quality one. When you apply for a loan through Safrock, you can trust us to find reputable lenders to provide you with the best loans available.

Where to find out more

If you’re looking for a larger secured loan, you should be aware that it will need to be attached to equity. To prepare the documents you have to prove your ownership of the chosen asset, which could be a boat, car or motorbike and head over to our page that focuses on larger loans. Before you consider taking out a larger loan; remember that if you end up having problems paying off the loan, you will be at risk of losing the secured asset. This, however, is usually only a last resort for lenders. No lenders like seeing clients lose their possessions due to an unpaid loan. So, they only try to lend to people they believe will be able to pay it back.

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