Rating based on 1,025 reviews
Financier presents a simple and smart online presence, with docile colouration and eminently easy tabs.
The company has pitched its offer of bad credit loans to Australians over the last few years and has established itself in the industry as a reliable provider.
Minimising information overload and offering a few brief snippets to address visitors to the site, Financier offer simple personal loans online.
Although bound by legislation as any other lender in the country, the company has its own guiding principles and goes the extra mile to ensure fair and reasonable borrowing.
Taking the spirit and letter of the law down to the minutiae, Financier states that a bad credit rating is no obstacle to a loan application but if you have more than 2 reversed debit orders on your bank accounts you will not qualify for a loan.
All are welcome
Trading on the finer details of mandatory lending criteria, a bad history won’t necessarily preclude anyone. In this neck of the woods, a well managed bank account and regular income are all that really count.
This ties into the quick loan amount and term (both are small) and, allows the company to justifiably loan to almost all consumers, even those who might have bad credit. The company recognises existing clients who have access to the site via login.
What Financier can offer you
Providing welcome relief for many citizens, Centrelink beneficiaries are also welcome to apply for a fast loan with Financier. The principal offer with a bad credit loan hinges on a current show of fiscal discipline and a regular one at that, even if modest.
Offering quick loans from $150 up to $5,000, the repayment structure usually runs on 20% of principal plus a small monthly fee of 4% of the principal for loans up to $2,000 and a maximum APR of 48% for loans over this.
Preferential rates and amounts
Existing customers can negotiate repayment terms and amounts and may get a better rate. The framework of those negotiations is encapsulated by the minimum loan term offered of 3 weeks up to a maximum of 2 years.
Apply for credit online
The online loan application takes only minutes to complete and assuming it’s done on a business day, the loan typically reflects the following day.
Making a specific point about how little one’s credit rating influences the application, Financier has made a welcome entrance into Australian lending. Its stance on evaluating nothing but the core, essential requirements needed to meet lending criteria is well presented and transparent.
Loans for all
Self-employed clients, unemployed clients and any other Australian 18 or older with valid documents and a good, recent history are all welcome to apply.
0 % Per annum
In a Nutshell
- Average processing time 1 hour
- Online application
- Unsecured loan option
- Bad credit consideration
- Early repayment
Get a quick loan with Financier - We are a great alternative to banks
Although a smaller player in the bad credit loan market, Financier has an eminently simple strategy and stance and represents an unfussed and quick offer to prospective clients.
The company has succeeded in being both simple online and demonstrably ‘there’ for anyone with queries.
Online quick loans
It’s hard to imagine a smoother process with the necessary details so logically displayed. A welcome offer to many, Financier have made a short-term loan an easy and speedy process by way of their online pitch.
One of the best things about quick cash loans is that you can easily obtain them online and you do not have to leave your home to do it or spend hours of your time to apply.
Financier has a simple application and will take care of things for you quickly and professionally. Their loans offer a quick turnaround, great service, decent sized loans from $150 to $5,000 and loan terms that make it affordable to take out a loan. Presenting as they do as an eminently simple and straightforward option, with a logical layout and easy to understand terms, Financier is a reliable lender with a lot of life.
I meet all the requirements but my quick cash loan application was rejected
It is important that customers understand that meeting all the requirements doesn’t automatically guarantee loan approval. Should we find that the client is already paying for an excessive amount of credit plans, we may have to decline your application.
The last thing we want to do is to give you a credit plan you won’t be able to pay for. At the end of the day, we want to ensure that you are coping with your loans and still maintain your other financial obligations.
Once your credit profile is tainted, it may take months or even years to have it in good standing again. The customer should do everything to protect their credibility.
I would like to apply for an early settlement
There aren’t any penalty fees at Financier if you would like to pay for your quick cash loan sooner. If anything, we are happy when we get such customers because it proves to us that they want to finish paying off their quick cash loan as soon as possible.
If you would like to apply for an early settlement, please contact us and we will gladly assist.
Eligibility & Requirements
- Employed full-time
- Credit check
- Bank statements
Other Products & Services
- Fast Loans
Customer Reviews & Testimonials
Financier has the most affordable interest rates when it comes to their quick cash loans.
— Darwin —
I am grateful for Financier for assisting me with a quick cash loan when I was at the point of giving up.
— Mackay —
What an easy loan application process Financier has!
— Canberra —
The consultants at Financier attended to all my concerns. I am a happy customer.
— Bendigo —
Given the limited time I had, I was so happy to find the Financier quick cash loan application rather easy and fast to complete.
— Lismore —
- Financier Pty Ltd Suite 92, 21 Hall St Port, Melbourne, VIC, 3207, Australia
- Monday 09:00 – 17:00
- Tuesday 09:00 – 17:00
- Wednesday 09:00 – 17:00
- Thursday 09:00 – 17:00
- Friday 09:00 – 17:00
- Saturday Closed –
- Sunday Closed –