FAQS 2018-05-09T07:38:50+00:00

FREQUENTLY ASKED QUESTIONS

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How do I apply for a loan through Pronto Cash? 2017-10-10T21:48:01+00:00

It’s easy to apply for a loan using Pronto Cash! Our application process is 100% online, and available 24/7. You just need to be an Australian Resident, over the age of 18, have an email address and mobile number as well as online banking.

If your application is selected by one of our lenders, you may need to provide them with some additional information regarding your income and contact details.

How does Pronto Cash work? 2017-10-10T21:42:33+00:00

Click here to see “How it works

How much am I able to borrow? 2017-10-10T21:47:16+00:00

Pronto Cash works with lenders who lend from $100 – $1000.

Our panel of lenders are responsible lenders so they make sure that the loan suits your requirements and you can comfortably make all of your loan repayments.

How long does it take to apply for a loan? 2017-10-10T21:47:10+00:00

Our application process takes process takes only minutes to complete, and you will receive notification within 15 minutes of submitting your application if we are able to find you a lender.

If your loan is then approved, most short-term lenders will endeavour to transfer the loan funds as soon as possible after approval.

When can I apply? 2017-10-10T21:46:15+00:00

Anytime you like! Our online application system is available 247, and we will let you know whether we have been able to find you a lender within 15 minutes of submitting your application.

Can I apply for a loan on the weekend? 2017-10-10T21:45:35+00:00

Our application process is 100% online and available 247, so you can apply anytime you like!

Can I come into a branch? 2017-10-10T21:44:39+00:00

No, we are an online service only.

Can I apply over the telephone? 2017-10-10T21:44:49+00:00

Pronto Cash is a 100% online business so we don’t take applications over the telephone.

Is Pronto Cash a Payday Lender? 2017-10-10T21:46:56+00:00

Pronto Cash does not make any credit or loan decisions, and we are not a lender.

Our website has been designed so that with only one application through us, we will try to source a loan for you.

What is the status of my loan application? 2017-10-10T21:45:24+00:00

If you haven’t been contacted within 30 minutes of submitting your application and bank statements, that means that unfortunately, we have not been able to match you with a lender on this occasion. You are welcome to apply again in 21 days time.

I can’t find my bank on the bank login page 2017-10-10T21:46:07+00:00

As our application process is 100% online, we can only accept applications via our website, and we do not accept bank statements via fax or email.

Our bank statement provider is regularly adding new banks to their service, and if yours is not currently listed, hopefully, it will be added soon.

I can’t log into my bank account 2017-10-10T21:45:56+00:00

When logging into your bank account please ensure that you use your desktop internet banking Username and Password.

Please note, these are not the username and password used on your mobile phone banking app, which is different (some banking apps let you log in on your mobile with a short password. On our site you are required to use the full username and password – like you would use on your laptop or computer).

All of our lenders require your last 90 days of bank transactions to help them assess that you can afford the proposed loan. We use an external company (Credit Sense) to form a fully secure connection with your bank. Much like PayPal, Credit Sense do not keep your internet banking credentials. Your credentials are encrypted when you enter them, passed to your bank to gain access to your transaction history and then permanently deleted. If you need to use us again, you will need to re-enter your internet banking credentials

What does it all cost? 2017-10-10T21:46:45+00:00

It’s free to apply! There are no fees or charges associated with applying for a loan through www.prontocash.com.au

If your loan is approved by a lender we have sourced for you, the lender will provide you with information regarding any fees and charges associated with their loans.

When are my repayments made? 2017-10-10T21:45:47+00:00

If your loan is approved by one of our panel of lenders, they will provide you with a contract outlining your loan repayments.

What should I do if I think I won’t be able to make a repayment? 2017-10-10T21:45:16+00:00

If you’re unable to make a repayment on your loan, please contact your lender immediately.

What should I do if I am experiencing Financial Hardship? 2017-10-10T21:44:58+00:00

If you’re experiencing financial hardship we’ll recommend you contact your lender immediately.

www.moneysmart.gov.au also provides great advice and resources for Australians needing financial assistance.

How do I make a complaint? 2017-10-10T21:45:06+00:00

At Pronto Cash we want each of our customers to experience our fantastic customer service, and to tell their friend how great we are! In the event that you’re not entirely happy with Pronto Cash, we’d love to know why so that we can address your issues asap and work on a solution with you.

From time to time we all make mistakes. So to help us when that happens we have put in place a transparent process to sort things out on our “Feedback and Complaints” page.

Other Important Information 2017-10-10T21:46:31+00:00

Important note: You should always compare your options before taking out a short-term loan. These loans offer different interest rates and terms. The government’s website MoneySmart has very useful advice for people borrowing money or just in need of fast cash. You can find their website here MoneySmart. There are sometimes other ways to pay your bills. It can be useful to see if you can extend your payment terms with your suppliers. This usually works well with utility providers. We believe that everyone has the right to have access to credit, so in the event that you can’t get any financial relief that way, a fast cash loan might just help you get through your immediate and temporary cash shortfall. You must be an Australian resident and over the age of 18 years to apply. Importantly, the completion of the application form does not guarantee approval of a loan, and the loan amount and terms will vary depending on the lender who may accept the application. $1,000 may not be available to every customer. The time taken to approve a loan and transfer the cash from the loan will always vary. This website and Pronto Cash does not directly endorse a particular product and/or service. Any information on this website is illustrative only and should be only taken as an opinion. It does not take into account your personal needs and financial circumstances.
Because PRONTOCASH.COM.AU IS NOT A LENDER, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of funds you may receive using our referral services. The operator of this website will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue loans. Providing your information on this website does not guarantee that a lender will choose you or approve your loan application. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.
Because each lender is different and Pronto Cash has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. PRONTOCASH.COM.AU cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your cash loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who apply for credit will be chosen by a lender or approved for a loan. If a lender in the participating lender network does not choose you, your information may be offered to participating third-party advertisers and generators for consideration.
It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus such as Dun and Bradstreet, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.
Any of the information that you read on this website may be changed at any time without any prior notice. We cannot guarantee that your submitted information will be provided to a lender or that a lender will approve you for a loan. Not all lenders can provide up to $1,000. The loans that may be offered by a lender are expensive forms of credit and are intended to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional financial advisor/counselor.