Thank you for showing interest in making an application with us.
Jewellery Loans is powered by Flash Money.
Your Responsible Australian Lender.
Page will be redirect in 5 second(s)...
or click this link to redirectFrequently Asked Questions
About You
Do you have to be an Australian resident?
To apply for a Personal Loan, you need to be an Australian citizen or permanent resident.
Yes, you do need to be working or if your income is from Centrelink, as a responsible lender, Flash Money will review the application to determine whether you’ll be able to repay the loan.
Can you apply if you have a bad credit history?
Yes, you are still eligible to apply. Credit history only forms one part of the application process and other information, such as employment and expenses, is also considered as part of the assessment.
Can you apply if you are in a Part 9 Debt Agreement?
If you are currently in a part 9 debt agreement, we are unable to process your loan application. However, if you have previously been in a part 9 debt agreement, we will assess your application based on your current situation.
What if the majority of my income is from Centrelink?
People receiving Centrelink payments can qualify for a Flash Money loan, however, your total repayments for all of your loans can’t be more than 20% of your Centrelink income and is subject to credit approval.
About Your Application
We do credit checks for all loan applications. This will leave a general finance inquiry on your credit file however, as long as your current financial situation is stable, we will consider your loan application.approval.
What documents do you need to supply?
To enable your loan application to be assessed, you are required to provide 90 days of bank statements (up to today’s date). The bank statements must relate to the bank account where your income is deposited and where all of your transactions take place (this may be more than one bank account).
How can you send your Bank Statements?
In order to finalize your loan application, we are required by law to review your bank statement covering the last 90 days. This can be done automatically through a secure Credit Sense link that will be sent to you during the welcoming phone call after you submit your loan application. We highly recommend using this tool, as it will fast track the process.
During this process, your bank login details are not stored. However, this process will save your time of printing and scanning bank statements to us. Credit Sense is a 100% Australian owned and operated company and subject to and compliant with all Australian laws.
During this process, your bank login details are not stored. However, this process will save your time of printing and scanning bank statements to us. Credit Sense is a 100% Australian owned and operated company and subject to and compliant with all Australian laws.
What happens if I don’t have online banking?
Unfortunately, if you don’t have online banking, we won’t be able to process your loan application. Please speak to your bank if you would like to set up online banking.
What happens after you’re approved?
After you loan has been approved, we will prompt you to log into your portal and confirm your loan and sign a digital contract. After you have signed the contract, customers generally have the funds transferred into it is important to note that clearance of the funds also depends on your bank.
Additional Questions
How much will you be charged if you are late making a loan repayment?
If your direct debit is declined, or a payment by salary deduction or by cheque is dishonored and this results in a repayment not being made by the due date, you will be charged a dishonor fee of $20.
Who can you contact if you are having difficulty making your repayments?
If you are experiencing any difficulty in making your repayments, please call Flash Money to discuss further
When can you apply for another loan?
We assess every application individually and based upon its suitability and affordability. If you have multiple loans, this might affect the outcome of your loan application. To find out if you are eligible for another loan, you can contact us on 1800 88 FLASH or email to [email protected].
A SACC is a Small Amount Credit Contract which is defined in the National Consumer Credit Protection Act (NCCP Act) as being a loan amount of no more than $2000, set up to be repaid over a term of not less than 16 days and not more than one year.
A MACC is a Medium Amount Credit Contract which is defined in the National Consumer Credit Protection Act (NCCP Act) as a loan, which may vary in length from 16 days to 2 years and can be from $2001 to $5000.
Direct Debits are scheduled for your pay dates. If you would like to pay your loan out sooner than your scheduled repayments, Please call 1800 88 FLASH or email to [email protected]
Do you need a loan for something else?
