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DollarsDirect is rated 9.2 stars out of 10 by TrustPilot based on 88 reviews
Instant cash loans are hard to come by. It’s not uncommon for the loan process to take several days to go from application to funding. But here at DollarsDirect, we offer speedy loans for your convenience.
Our handy online application takes just a few minutes to complete, and if you’re approved for a loan before 2:30 p.m. Monday through Friday, you’ll get your cash the same day,2 deposited directly into your bank account. Approved borrowers may be eligible to borrow up to $2,025,1 and you can repay between 65 and 100 days.6 (Your loan term will depend on your pay frequency, but don’t worry. You’ll see a detailed repayment schedule before you sign anything.)
While we technically don’t offer instant cash loans, we give you a straightforward process that can all be done online. There’s typically no extra paperwork to fill out and fax in. As long as you have an Internet connection and access to some basic personal details, you’re ready to apply. Just make sure you meet the following criteria:
Instant cash loans may sound tempting when you have a financial emergency, but it’s also important to take the time to think about the costs and affordability of entering into a loan contract. One key advantage of our loans is our 24-hour satisfaction guarantee.7 If you change your mind about borrowing, you have the right to cancel your loan within 24 hours of funding, for a full refund. You won’t be charged any interest or fees.
In addition, it’s important to understand that instant cash loans are not the only option available to you if you have less-than-perfect credit. Perfect credit is not a requirement for approval.3 We’ll still consider your loan application even if your credit history is below average.
We have years of experience in the lending industry, and we’re here to help you conquer life’s little challenges. If you have any questions at all about our products or services, please ask! Chat live with one of our representatives, give us a call, or send us an email, and we’ll give you an answer as quickly as possible.
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.