How much can I borrow?
The amount you may be eligible to borrow depends on your individual financial
circumstances and the outcome of our assessment. We consider your income, expenses,
existing financial commitments and ability to meet the proposed repayments without
substantial hardship. Applicable responsible lending requirements and repayment
limits are also taken into account. Our Payday Loans are available from $50 to $1,500.
The minimum loan amount is $50.
How long can I borrow for?
The term of the loan is from 62 to 90 days depending on your pay frequency. Repayment
installment is due on your payday.
What if I have poor credit?
Having poor credit does not automatically prevent you from applying. Each application
is assessed individually through our responsible lending process. We consider your
financial situation, income, expenses, existing commitments and ability to meet the
proposed repayments without substantial hardship.
How long does the application process take?
We aim to assess completed applications promptly once all required information and
supporting documents have been received. Processing times may vary depending on the
application and whether any additional information is required.
How soon can I receive a cash advance?
Funds are deposit into your bank account over night once your application is
approved. The funds are normally available very next day; however, it
is subject how quickly your bank processes the funds. Golden Bridge Cash
Solution ™ cannot be held responsible for the failure of your bank to
process the fund transfer in a timely manner.
How do I receive the cash, and how do I repay the loan?
We transfer money electronically. You pay us back by hassle-free direct debit
from your account on the agreed payment day(s). You dont need to worry about
anything more than ensure you have enough money in your account on the due
date. This service allows you to privately receive your loan without leaving
your home.
What if I can't pay the loan on the due date?
If you cannot make a payment, you should contact us immediately. Depending on your circumstances, we may make changes to the repayments under your contract to help you repay the debt. You can ask us to:
- extend the term of your contract and reduce repayments; or
- extend the term of your contract and delay payments for a set time; or
- delay payments for a set time without extending the term of your contract.
Charges may become payable in the event of default payment. For more details please check Cost & Fees
What documentation do I need?
If you are a first time borrower with Golden Bridge Cash Solution ™, you
will need all of the documentation mentioned in How to Apply section of our website.
I don't have a bank or credit union or any other account?
Unfortunately, if this is the case we cannot help you. We have no way of
crediting your account as we do not deal in cash.
What is the cost of a cash loan?
Please refer to our Costs & Fees section for more information.
Are there any early repayment fees?
No, you can pay back the loan as soon as you like without penalty.
Why has my application been declined?
Loan applications may be declined for a range of reasons based on the information
available and the outcome of our assessment. Each application is assessed individually,
taking into account your financial circumstances, existing commitments and ability to
meet the proposed repayments.
What should I know before entering a credit contract? Please read the Credit Guide before entering a credit contract.
What should I do if I have a complaint or dispute? If you have a complaint or dispute, please contact us so that we can try to resolve the matter through our internal dispute resolution process. For further information, please see our Complaints and Dispute Resolution information.