Why should I use One Stop Loans Store for my personal finance needs?
Ones Stop Loans Store has access to many different lenders. Our dedicated staff will assess your finance needs to ensure you are getting the best loan possible at the best possible rate. Our job is to ensure you are in a better financial position that what you are in now.
Who is the lender?
We have access to a large number of lenders. After we assess your request for finance we will advise you as to who we would like to contact on your behalf.
Can I apply if I am on Centrelink payments?
Yes however if you are on Newstart/Austudy/Youth Allowance there are no lenders that will consider you for a loan
I have defaults on my credit file can I apply for a loan?
I am bankrupt will I be able to apply for a loan?
What is the interest rate?
Interest rates vary from 15% pa to 27% pa and depend on the loan amount you borrow, whether your car is registered, the status of your credit history, and the state or territory you live in. The interest rate on the loan will stay fixed for the life of the loan while repayments are made (there is a default interest rate that may be applied if the loan goes into default).
How long does it take for me to get the money?
As a rule from the time of from application it can take up to 48 hours to get funds once the full application is completed. Smaller amounts can often be approved within a few hours.*
I am self employed can I still get a loan?
Yes you can however you may need to have an asset such as real estate or a car (under finance in some instances will be considered). If you don't have this type of asset please consider having somebody that does partner you on the loan.
What do you mean by “personalised service”?
At One Stop Loans Store we understand every person’s situation is different. Every conditionally approved loan at One Stop Loans Store is individually assessed and a trained staff member, not a computer, will personally handle your application.
Do you need any documentation from me to obtain a loan?
After we assess your loan request we will contact you requesting the required documentation for the loan. As a rule however you may be required to provide some or all of the following (depending on your situation and the lender) - we will advise what will be required:
- 3 months bank statements
- Photo ID such as Drivers Licence, Passport, Photo ID Card
- Council Rates
- Lease/Rental Agreement
- Medicare Card
- Up to 3 payslips or a letter of Employment
- Copy of current Veda Credit report: Click Here and select Veda Credit Report