Approval subject to DollarsDirect's lending criteria. Approved customers will have a credit limit of $2,425, which includes a $400 establishment fee. Customers who use a discount or promo code will have the establishment fee (and credit limit) reduced by the amount of the discount. In all cases, the amount available to you to draw will be $2,025. Most customers who bank with ANZ, Commonwealth, NAB, St. George or Westpac, and are approved by 2:30pm Sydney time Monday – Friday (excluding holidays), will be funded the same business day. All other approved applications will be funded the next business day. DollarsDirect will consider your loan application regardless of your credit history. If you have defaulted on past transactions, you may be declined for a loan. Some customers may only have one repayment option.  Most customers will not have to draw the entire amount available to them initially. However, some customers will be required to draw the entire amount on the date of initial funding. Loan terms vary based upon your application information and your pay frequency. You may cancel your loan within 24 business hours of initial funding by calling us at 1 800 060 892 and we will only debit your account for the principal amount we deposited. There will be no additional charges or fees. 24-hour cancellation option does not apply to refinanced loans. Loan must be in good standing and adjustment requested at least 2 business days before the current due date.