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Unless required by law, Swift Loans Australia Pty Ltd will not send hard copies of any documentation. You may withdraw your consent to receive electronic documents and notices at anytime, and only with the provision of an alternative means of communication. Swift Loans Australia Pty Ltd will make all notices, statements of account, copies of the contract, Terms and Conditions, statutory notices including the Credit Guide and Information statement available for a reasonable period of time in the www.
In order to process your loan application, we are required by law to review your last 90 days of bank transactions. Credit Sense will obtain the last 90 days of your bank transactions from the date of your application, in addition to further transactions for a reasonable period after that date. During this process your login details will not be stored, however, you agree to appoint Credit Sense as your agent for the sole purpose of accessing your Internet banking on your behalf.
We will disburse the Loan as set out in the Loan Schedule once we are satisfied that: We may not, however, disburse the Loan if any information you give to us, or which has been given on your behalf is incorrect, or is changed. You must pay all Fees and Charges in the circumstances set out in the Loan Schedule.
If you fail to make a payment when due, as set out in this contract, then late payment fees must be paid. You will not be required to pay total Fees and Charges that exceed twice the Amount of Credit not including Enforcement Expenses.
Any Fees and Charges that you must pay will be debited to your account and form part of the Outstanding Balance. Any government tax, fee, levy or duty that we incur concerning this Contract will also be debited to your account and form part of the Outstanding Balance. Swift Loans Australia Pty Ltd will not rollover any loans. You must repay the Outstanding Balance including but not limited to the Loan in full by the final Repayment Due Date unless we agree otherwise in writing.
You authorise us to obtain payment of any amounts you owe under this Contract through the Direct Debit Authority you have signed in connection with this Contract. You must make the repayments on each Repayment Due Date as specified in the Loan Schedule, or as agreed in writing during the course of this Contract. All payments must be made by direct debit. If your payment is dishonoured, the payment is taken not to have been made. All payments must be made in full, and they will be credited to your account without any deduction or set-off by either you or us.
If you have reason to dispute a payment or anything else in relation to this Contract, you are encouraged to contact us to initiate our internal dispute resolution IDR process. If you are dissatisfied with the outcome, you have a right to take your dispute to either our external dispute resolution EDR scheme or to a court. If Fees and Charges, Enforcement Expenses or other costs are debited to your account and form part of the Outstanding Balance, you must pay them immediately.
You may pay out the Contract in full earlier than the final Repayment Due Date provided you pay all Fees and Charges and other amounts owing under this Contract including any Enforcement Expenses. You can direct us to apply your payments to any amount you owe under this Contract in any order.
However, if you do not provide a direction in writing before, or when, making a payment, we can apply the payment to any amount you owe under this Contract in any order we decide. For example, if you owe any Enforcement Expenses, we may pay them before your regular repayment. If you hold any other credit contracts with us and you make a payment which is insufficient to satisfy all of your obligations under this contract, we reserve the right to apply the payment to any, or all, of the credit contracts in any manner we decide unless you have provided written directions before, or when, making the payment, on how the payment is to be applied.
We will also adjust the debits, credits and Outstanding Balance if there are refunds or corrections to accurately reflect the legal obligations between us. This will occur regardless of the adjustment favouring either of us.
You will be in default if you: If you are in default, we will give you a written default notice requiring you to correct the default.
However, we need not give you that notice in circumstances where the law does not require it. A default notice will tell you what you need to do to fix the default, if that can be done. You must do what the notice asks within the time provided.
If, during the period of the default notice, you default a second time in the same way again, then you are still in default, even if you have fixed the first default. You must pay us the Outstanding Balance which may include but is not limited to arrears and Late Payment Fees and we may, by written notice to you, terminate the Contract, in the following circumstances: You must reimburse us for all our Enforcement Expenses.
Enforcement Expenses can include a range of costs such as legal fees, collection agency fees, our reasonable internal costs, as well as all government fees, charges, taxes or duties incurred in relation to those expenses. When requested by us, you must pay any Enforcement Expenses we reasonably incur, but we may, without making demand, debit them to your account and they will form part of the Outstanding Balance. You must tell us if you change your name, your residential, postal or email address, your telephone or mobile number or your employment details.
By inserting your email address into the Application Process and Loan Schedule, you have authorised us to use your email address as the primary form of contact and communication purposes. This email address will be used for the sending and receiving of documents, notices or information as are permitted to be given electronically under the Code.
You may cancel your authorisation to receive documents by email at any time, by notifying us in accordance with Clause 7. If you have to give us a document or notice then you can: Unless stated otherwise, if we need to give you a document or notice we can do so by: If you have provided us with your email address you must: By inserting your telephone number in the Loan Schedule you authorise us to use this telephone number for communication purposes, which may include contacting you for the purposes of ensuring compliance with your obligations under this Contract.
You should tell us immediately if you cannot make any repayments. If you do, we will discuss alternative payment arrangements with you. However, we do not have to agree to any alternative arrangements. You agree we may transfer, or assign, our rights under this Contract without your consent, provided we reasonably believe you will not suffer any material detriment from the transfer or assignment.
In doing so, you consent to us giving any information including documents about you to the assignee or to anyone who is considering becoming the assignee. We may set off any debt or monetary liability we owe you against amounts that are due and payable by you under this Contract. You agree that you will not, either yourself or through a Third Party: Attempt to reverse engineer, discover source code or any other coding, reverse assemble, decompile, or use other arithmetical formulae or processes in respect of the software, technology and applications underlying the infrastructure and processes associated with the Website or Platform;.
So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more. Our credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.
Purchase transaction fee may apply, depending on which fee plan you selected. This option may not be available at all retail locations where the card is accepted. See Cardholder Agreement for details. Refunds are at par. None of the fees shown are assessed by MetaBank or the Card Association.
To avoid the ATM fees, you can get cash back when making purchases using your PIN at many retailers, such as grocery stores. Applies to all Cardholders. Easy Application We have simplified the online loan application process to make it fast and easy for you to apply for the loan you need. Cash advances are available online in the following states: Risk-Free Each fast cash loan comes with a hour satisfaction guarantee.
Learn More About Cash Advances. I am going to buy a new car with that money. Just needed a little to help with wedding. I'm very pleased I got my son birthday gift. Thank you so much. I needed some funds for the short term and MoneyMe helped me.
The whole process was smooth. Easy to do with great staff. Not much improvement required. I applied for a loan, had a query, rang them! Customer Service best in the business! Can't think of any as it was so easy and the person that phoned me was very friendly. Keep up the good work team. No suggestions as I am totally happy with the entire process. You may be offered an amount less than requested. Subject to our assessment and suitability. Call us on 66 90 Your PIN was sent to your mobile.
Please click here if you want it resent. Please check your mobile. Do you really need a loan today? It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. For information about other options for managing bills and debts, call from anywhere in Australia to talk to a free and independent financial counsellor. Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan. If you are on government benefits, ask if you can receive an advance from Centrelink.
The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you. You will be logged off in seconds. Further information on how to activate MoneyMe Express Visa card will be sent to you with your card. Terms and conditions and fees and charges will apply to your use of the MoneyMe Express Visa card. Any advice is general advice that does not take account of your objectives, financial situation or needs, so you should consider whether the product is suitable for you before acquiring or activating it.
The product is available only to Australian resident MoneyMe members. The link and verification code has been sent to your email. The link and verification code has been sent to your mobile. Verification code has been sent.
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