Introducing Janko: A New Way to Access Fast Cash

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Introducing Janko: A New Way to Access Fast Cash

To kick-off our blog we wanted to start with a quick introduction. So, who is Janko? Well, to put it simply Janko is a cutting-edge online lender helping everyday Aussies to access small cash loans up to $300. Unlike many of our competitors though, we can provide instant outcomes on our loans with no credit check required.

While this may sound too good to be true, we assure you it’s not! Here are some answers to a lot of the key questions we often get thrown our way.

What is a small personal loan?

When we talk about small personal loans we’re essentially talking about an agreement that enables you to borrow a small amount of money for select purchases. Personal loans must be repaid, with interest, over a fixed period previously agreed upon with your lender. In general, some of the most common reasons people take out a personal loan include:

  1. Holiday expenses
  2. Medical or dental bills
  3. Bond / moving costs
  4. Car repairs
  5. Personal purchases
  6. Emergency expenses

What kind of expenses can we help with?

Our small personal loans are designed to take care of life’s unexpected expenses. From electricity bills, to emergency repairs, to your next rego payment, there’s no need to sweat the small stuff when you choose Janko.

If you’re still unsure whether we could help you out, we recommend you apply anyway! It’s free to do so and we will have an outcome for you so quickly, you won’t be left wondering for long.

How are our loans so fast?

We have created a system that allows us to process loans automatically. Without getting too deep into the mechanics of it, our system uses machine learning to analyse applications within minutes and determine whether a loan is suitable for them.

Since our applications are processed automatically, you can expect to receive an outcome within minutes of applying. If approved, the funds will be transferred as soon as the contract has been signed. If your bank has NPP-enabled payments (which includes 90% of Australian banks do), you will receive the funds within 60 seconds. If you don’t have an NPP-enabled account though, you can expect to receive the funds overnight at the latest.

To check whether your bank has NPP-enabled payments, click here.

How can you offer no credit checks?

Credit score checks are usually a standard part of the assessment process on personal loans. So why doesn’t Janko conduct credit checks?

Basically, Janko can provide no credit check loans because of our own unique scoring system. Our development team has leveraged the power of machine learning to create custom tools that can automatically determine the affordability and creditworthiness of an applicant. Using this information, we can build our own type of ‘in-house credit score’ that determines whether the loan should be approved or not.

We are so confident in this system that we don’t conduct credit checks on our applicants. By only analysing an applicant’s bank statements, we ensure that any past mishaps on a credit report do not affect their ability to receive no credit check loans through Janko.

Who’s eligible for a loan with Janko?

Applying for a loan with Janko is as easy as one, two, three! The first step is to check your eligibility. While we want to help as many people as we can, there are some necessary criteria we need you to fulfil. There’s nothing unreasonable, these are just the details you’ll need to confirm in order to complete our application process.

To be eligible to apply, you must:

  • Be over 18 years of age
  • Be receiving a regular income (for at least 90 days)
  • Have a direct Australian contact number and email address
  • Have an Australian bank account with online banking setup

To then complete your application, you’ll want to have the following information handy:

  • Your personal details
  • Your mobile phone
  • Access to your emails
  • Your online banking details

Ready to apply?

Got all your information ready to go? Well then you’re all set to scroll up and apply for a quick cash loan now!

Still got questions? If you have a question that we didn’t answer here, head on over to our FAQ page for more details. You can also get in touch with our team directly here, if you need.