Why the bank won't buy you a surfboard

Imagine this.

You arrived at the beach for an early morning surf to find the sun glittering on the water like diamonds and 6-8 foot glassy waves coming into shore like there's no tomorrow. There are barrels galore, and only a handful of people out in the water, so there are plenty of waves to go around.

You've already been out there for two solid hours but there's a huge set building up so you decide to get just one more wave before you go in. You paddle into a monster but fail to gain enough speed and find yourself staring down the face of the wave, bracing yourself to be pummelled by white wash. You finally emerge gasping for air only to find your board has snapped.

Gutted.

What are you going to do now?

Well don't bother going into your local bank, sauntering up to the teller, and ask for a quick loan until Friday for a new board. They just won't do it. But there is someone who will. At Cashdoctors.com.au we understand the need for emergency cash, so we specialise in exactly this type of loan - short term. We want you to understand why we do what the banks won't.

It boils down very simply for the average banker. It is all about the money; to them you are a walking dollar sign. When someone comes to them for a loan, the first thing through their one-track minds is "Is this person bankable?" By this they mean, "Can I make money off this bloke, or is it a waste of my very valuable time?"

Banks look at things in terms of profit vs. risk. This means that your little unsecured, short-term loan is not set to make them very much money at all. Then they look at you, your tan, your boardies and the sand between your toes, which are hanging out of thongs that their dress code expressly forbids, and think risk. That is where they switch off, because even when you do come through with the money, the interest they could charge you wouldn't even cover their paperwork.

That is where CashDoctors.com.au is different. Yes, we are a business, and still have to show a profit, but we make it in an entirely different way. First, we eliminate as much of the paperwork as we can. Just log into www.cashdoctors.com.au to sign up for your Cash Doctors card and see how. Because once you get your card, you are ready to take full advantage of our instant cash services.

You can apply for a payday loan that can be put directly on the card, so you don't even have to carry a wad of cash to your local shaper when you buy your new board. We charge reasonable fees, and that is the difference. A bank wants you to stay in debt for a long time, because to them time really is money.your money. All we want is for you to get that much-needed cash.

That is one of the most important factors that sets CashDoctors.com.au apart from the banks. If you go online to http://www.cashdoctors.com.au/ and ask for money for your new board until Friday, we'll just ask you for your card, or help you sign up for one (even if you have sand between your toes). Or if you want to make it really easy for yourself, do it all from home, and head straight over to the shop to get your board, and hit the surf while its still up.

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