We’ve all been in situations where we need to purchase something but can’t since we don’t have enough cash or have a poor credit rating. Buy now pay later no credit check instant approval sites aim to solve this issue; below is a list of 5 leading options to check out.
5 Buy Now Pay Later No Credit Check Instant Approval Websites To Try
1. Gday Loans
This platform is among the leading broker platforms in Australia. Gday Loans connect borrowers with lenders who provide buy now pay later no credit check Australia loans.
The application process is entirely online with instant response. With Gday loans, borrowers can access leading buy now pay later lenders who can offer loans ranging from $300-$10,000 with an APR of 5.99%-35.99%.
The Gday platform has flexible loan repayment terms that range between 3-24 months.
The eligibility criteria on the Gday platform depends on the lender. But, all borrowers must be over 18 years and be full-time Australian residents.
Pros
- Fast and simple online application process
- Same day payout
- Repayment term length may be adjusted to meet customers’ needs
- No credit checks
Cons
- You have to be at least 18 years
- You must reside in Australia to qualify for a loan.
2. Viva Payday Loans
On the Viva Paydays platform, users can apply for fast cash within an hour with no credit checks. This platform connects borrowers with leading lenders who provide buy now pay later loans. Borrowers can get loan amounts ranging from $100-$5,000 for periods between 2 weeks to one year.
The application process is purely online, and you’ll get feedback within 5 minutes. Once you sign the loan agreement, the cash is deposited directly into your account.
Borrowers with a bad credit rating and Centrelink beneficiaries can qualify for the loan too. However, these loans are usually quite expensive if you add on the standard buy now pay later charges.
For a loan below $2000, you’ll have to pay an establishment fee of 20% and a 4% monthly fee. Buy now pay later loans exceeding 2001 attract APR of between 20% to 199.43% and a $400 establishment charge.
Pros
- Same day payout
- Fast online application and approval process
- Loan amounts between $200 to $5,000
Cons
- Expensive repayments
3. Sunshine Short-Term Loans
The Sunshine loan platform connects borrowers with lenders who offer buy now pay later loans that range from $150-$2,000. The platform has flexible terms that range between 9 to 14 weeks. You can make early repayments without incurring additional charges.
Like other platforms, Sunshine charges a 4% monthly fee and a 20% establishment fee. You’re still eligible for a loan even if you have a bad credit profile.
Pros
- Fast application and assessment
- Loan amounts ranging from $200 to $5,000
- No interest rates
- 100% secure website
Cons
- Limited amounts to borrow
4. SpeedyMoney Payday Loans
This is a Sydney-based online platform that offers loans of up to $2,000. The loan application is entirely online, and if you qualify, you’ll get the loan amount within an hour or less, depending on who you bank with.
You can make early repayments without attracting additional costs. Individuals with poor credit ratings can also apply for buy now pay later loans on this platform. This loan is, nevertheless, costly.
SpeedyMoney platform charges a 20% establishment fee and a 4% monthly fee.
Pros
- No credit checks
- Allow early repayment without additional charges
- Quick application process
Cons
- Expensive repayments
5. Perfect Payday Loans
If you’re a borrower looking to access a variety of lenders to find the most suitable buy now pay later loan, the Perfect Payday platform might be an option to consider. Perfect Payday lender is not a direct lender; they’re a broker platform.
By using this platform, you’ll be saving time searching for lenders. Perfect Payday assesses applications and connects borrowers with suitable lenders.
Borrowers can access loan amounts ranging up to $2,000 with repayment periods ranging from 2 weeks to one year.
Pros
- Individuals with bad credit can qualify for loans
- Secure website
- Fast application and approval process
Cons
- You may be charged additional fees depending on the lender you apply with
Conclusion
You can secure buy now pay later loans in Australia from various online platforms as long as you meet the requirements. All the lenders outlined in this post are excellent choices if you want to take out a loan without hurting your credit score.