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 2:30 pm Sydney time Monday –Friday, will be funded the same business day. If you apply for a loan on Saturday, Sunday or a holiday, and you are approved, you will typically receive your funds on the next business day. Loans approved after 2:30 PM on a business day will have to wait an additional business day for funding. For all other banks, funds are generally deposited next business day if approved by 6pm Sydney time Monday – Friday. If you are approved for a loan on Saturday or Sunday, you will typically receive your funds on Tuesday.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, based on the information provided in the application, some customers will be required to draw the entire amount available to them 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.