How is Cash Doctors responsible?
We have a tried, tested and successful model for responsible, short-term lending - based on the founders' personal experiences, 10's of 1000's of loans, and a sophisticated credit check system.
Cash Doctors assesses capacity to repay, using a customised credit history check and calculates the correct amount you can borrow in seconds. This ensures we only lend to people who can afford to repay and they borrow no more than they can afford.
We want you to repay quickly and get on with your life. Traditional sources of credit keep you repaying for as long as possible. Cash Doctors' cash advances are for days or weeks - not months. 45 days is the longest cash advance we'll give you. We don't force you to borrow more than you need and pay interest for longer than necessary.
Cash Doctors helps you with small cash flow shortages on super short notice. If you need more than $600 for longer than a few days or weeks you should consider a different type of loan. We give you a safety net for when unexpected expenses catch you by surprise. You might only use us once or twice. That's fine.
We don't want you to go overdue. We want you to repay on time and get on with your life. Cash Doctors does not allow rollovers. A $300 cash advance can't turn into a big debt. We make affordable, flexible arrangements and minimise charges for overdue clients. People who have three defaults with us can't ever borrow from us again.
We're transparent - everything is out in the open. We'll always tell you upfront exactly what the costs are. There are no catches or extra costs to worry about. Play with the calculator before you apply. See a breakdown again before you confirm your cash advance. Log in anytime after and view all of your cash advances. SMSs and emails are also sent to help you keep track of your applications and repayment date.
Our clients are responsible, hard working, employed Australians who choose to borrow from us for a variety of reasons. They're not desperate. They're smart and well able to make decisions. They want a little extra credit occasionally to smooth out their cash flow. Then they get on with living their life.
Cash Doctors gives free financial guidance. Our members can ask us any money questions they want and we'll research it and respond. There's also a budget planner, a personal finance blog and countless articles on money matters so our members can improve their financial literacy.
We love compliance. In most states of Australia, short-term lending is regulated. Cash Doctors welcomes this regulation as it protects you as the consumer and ensures that the more unscrupulous providers can't take advantage of people in need.
