FAQs 2017-09-17T07:15:33+00:00

FAQs

Frequently Asked Questions.

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Is Sprint Loans a lender? 2017-09-17T08:21:54+00:00

Sprint Loans uses its associated company Swift Loans Australia Pty Ltd trading as Oz Cash Loans to assess your loan application.

Our website has been designed so that with only one application through us, we either help you with a loan from Oz Cash Loans or we’ll help you find an ASIC approved small amount lender with an Australian Credit Licence.

How do I apply for a loan using Sprint Loans? 2017-09-21T01:27:20+00:00

It’s easy to apply for a loan using Sprint Loans! Our application process is 100% online, and available 247. 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 we can’t help you with a loan through our associated company Swift Loans Australia trading as Oz Cash Loans and 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 much am I able to borrow? 2017-09-21T01:28:01+00:00

We generally prefer to lend from $200 – $2000, however, larger amounts are available to “A” rated credit applicants.

We and our panel of lenders are all ASIC APPROVED small amount lenders so we/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? 2017-09-21T01:28:42+00:00

Our application process takes process takes only minutes to complete, and you will receive notification very quickly after submitting your loan application and ID.

If your loan is approved, we and/or our panel of small amount lenders will endeavor to transfer the loan funds as soon as possible after approval.

Is Sprint Loans a payday lender? 2017-09-17T08:33:20+00:00

Sprint Loans uses its associated company Swift Loans Australia Pty Ltd trading as Oz Cash Loans to assess your loan application. Oz Cash Loans’ minimum term is longer than 60 days which means that it doesn’t meet the traditional definition of a “Payday Lender”.

Our website has been designed so that with only one application through us, we either help you with a loan from Oz Cash Loans or we’ll help you find an ASIC approved small amount lender with an Australian Credit Licence.

What does it all cost? 2017-09-21T01:30:24+00:00

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

For more information about Oz Cash Loans please click here.

How does Sprint Loans work? 2017-05-20T06:10:13+00:00

Click here to see “How it works

When can I apply? 2017-09-17T08:35:09+00:00

Anytime you like! Our online application system is available 247, and we will let you know whether we have been able to help you with a loan or find you another lender very quickly after submitting your loan application and ID.

What if my bank is not listed on the banking login page? 2017-05-20T06:08:31+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 2017-09-21T01:33:09+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).

We and 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

When are my repayments made? 2017-09-17T08:37:25+00:00

Generally, we schedule your loan repayments to coincide with your payday. If your loan is approved by one of our panel of lenders, they will provide you with a contract outlining your loan repayments.

Do you provide weekend loans? 2017-09-17T08:38:20+00:00

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

What is the status of my loan application? 2017-09-21T01:37:12+00:00

After you have finalised the application process, you can log in and check the status of your loan application here VIP Member Area login. If we haven’t been able to help you with a loan ourselves and have been able to find you a lender, they will generally contact you within 30 minutes.

If you have not been contacted within 45 minutes of finalising your loan application, this means that we have been unable to find you a lender.

Please note: We only accept one application per person and per bank account every 16 days. So, if you apply again within 16 days, your application will automatically be unsuccessful. Important: This applies even if you apply for a loan of a lesser amount.

What should I do if I think I won’t be able to make a repayment? 2017-09-21T01:41:18+00:00

If you’re unable to make a repayment on your Oz Cash Loan please contact us here.

If your loan is with another lender, please contact your lender directly.

How do I make a complaint? 2017-09-21T01:42:31+00:00

At Sprint Loans we want each of our customers to experience our fantastic customer service, and to tell their friends how great we are! In the event that you’re not entirely happy with Sprint Loans, 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 “Complaints” page.

What should I do if I am experiencing Financial Hardship? 2017-09-21T01:43:35+00:00

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

If you received a loan directly through Oz Cash Loans contact us here.

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

How much am I able to borrow? 2017-09-17T08:47:56+00:00

Please only apply for the actual amount of money that meets the purpose of your proposed loan.

We and the members of our panel of lenders are all ASIC APPROVED small amount lenders, so we/they make sure that the loan suits your requirements and you can comfortably make all of your loan repayments.

Other important information 2017-11-01T22:37:00+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. Furthermore, the time taken to approve a loan and transfer the cash from the loan will always vary. This website and Sprint Loans 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 SPRINTLOANS.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 Sprint Loans 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. SPRINTLOANS.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.

You should note that Oz Cash Loans and 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. Finally, if you are having serious financial issues, it is often best to consult with a professional financial advisor/counselor.

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