Part of being a responsible borrower is not over-extending. You’re far less likely to have credit check issues if that’s the case – and responsible lenders should be protecting you from that. If a loan provider agrees to approve you for a quick same-day loan with no credit check, that means they care more about taking your money than whether a loan is right for you. It also indicates that they may well be in breach of their credit licence. You’ll pay too – both in terms of extortionate rates and high late payment fees – and they’re bound to add up if you can’t afford the loan in the first place. Reputable lenders work differently. Although they don’t run a credit check with an agency, they do check to see what you can afford- and won’t put you in financial hardship. There are strict rules in Australia about responsible lending, and sourcing a loan via Savvy is a great way to ensure you find a reputable, licenced provider.