Your Savvy Score
Earn a higher Savvy Score by making early or timely repayments to
improve your loan approval chances.
The Savvy Score
Here at Savvy we review applications with amazing credit, through to applications with not-so-great credit history.
This is because we understand that things happen throughout life, and want to make sure we’re able to give
as many people as possible a fair go.
While other lenders focus on your past credit history, our decisioning process stresses looking at an
applicant’s ability to meet their repayments on time, in their present financial position.
This is where our scoring systems comes into play, in a fun way! Our scoring system rewards you when payments are made early,
on time, including some other cool perks. Rather than dwelling on your past we give our customers an opportunity to track
and be rewarded for their current financial behaviours with us. You can earn a maximum of 1,200 points. The higher your score,
the more likely you are to be approved.
Pay early, be rewarded!
improve your score and chance for a new loan
How to Increase Your Loan Approval Chances?
We’ve touched on it above slightly, but in summary, lenders that look beyond your past will want to see how you’re doing now. So what can you do? Here are some quickfire tips to help get you into shining light for an application:
- Ensure your everyday accounts always have funds in there to prevent the account from overdrawing
- Ensure all direct debits are successfully paid without any dishonours
- Keep a clean record for as long as possible (if you continue this habit into the future then it’s only a plus from here!
It’s simple. If you improve your Savvy Score, we can offer you discounts and benefits! Savvy offers fast and easy access to
credit through cash loans for all sorts of circumstances. Our team takes care of our clients and we enjoy doing it, so feel
free to chat, call or email us at any time and we will be more than happy to help.
While Savvy provides valuable tips to help you enhance your score, we want to clarify that we’re not offering financial
advice—just some friendly guidance on your Savvy journey.
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Safe and Secure. 5 min application2
Payment Score
Here at Savvy Loans, you will not only receive fast and reliable loan services— you also get points
for making payments!
We strive to give each one of our customers the best service, and we appreciate all your efforts to
meet your end of the bargain as well! You can receive points for positive behaviours like closing
your account with no late payments or no payment schedule modification requests.
Dishonour Penalty
The Savvy Score System has been created to be as fair as possible for both of us. As much as we want
to give points to all our customers, there are instances where we need to deduct points to
discourage some behaviour regarding the loan agreements. If a payment has dishonoured as per the
original payment schedule, it will impact your Savvy Score. We want to be working with you at all
times and assist where possible. If you have any issues that might affect your payment schedule, get
in touch with Savvy Loans today.
Reschedule Penalty
As mentioned previously, Savvy Loans offer fast online loan solutions that cater to different
circumstances. We are here to help create a payment arrangement that suits you right from the
beginning. However, if you request for a manual reschedule or arrangement that is different from
what was initially discussed, it will impact your Savvy Score.
Track scores, Earn credits
Increase your Savvy Credit Score to boost your chance of getting approved on your next loan.
Your Savvy Credit Score
492/1200
Credit Scores and How They Impact Payday Loans
A less-than-average credit score no longer needs to prevent you from getting the much needed advance
you’re after. Savvy is a Credit Service Organization and Credit Access Business which is able to service
loans from $100 to $1500. While other banks and lenders will use credit records and history as a key
factor in determining an applicant's credit worthiness, if you meet our eligibility criteria we may not
have to do a credit check at all. Even more so, if we conduct a credit check, your credit score is only
one of many factors we consider when making our loan decision. The approach we take prioritises your
ability to make repayments in the decision process.
How long does it take to get an online loan approved
We are proud to operate 100% online. This helps you to enjoy a quick from beginning to end.
Apply online
and provide as much information as possible. Include your supporting documents and submit
your applications. When you are approved, you will receive a loan agreement. Once it is signed you
are ready to go and the cash will be transferred to you. The entire application process can be
completed same-day, and potentially within hours if all of the required information is provided with
your initial application during business hours.