Stay Finance
Verified1,182 reviews
AI reviews summary
Stay Finance is highly regarded for its streamlined and user-friendly digital application process, with many users receiving funds within hours of applying. The service is frequently highlighted as a viable option for individuals with non-traditional income sources or below-average credit scores. While the majority of feedback is positive, some users have experienced longer-than-expected waiting periods for approval or felt frustrated by the lack of explanation following a decline.
Pros
- Efficient Application Process: The online forms are described as simple, intuitive, and quick to complete, often taking only a few minutes without excessive paperwork.
- Rapid Funding: Approved applicants frequently report receiving funds in their accounts on the same day, sometimes within minutes or hours of signing contracts.
- Inclusive Lending: The company is praised for considering applicants with poor credit history or those on Centrelink income, providing a "fair go" when traditional banks may not.
- Transparent Communication: Users appreciate the clear terms, lack of hidden fees, and the responsive, professional nature of the customer support team.
Cons
- Variable Processing Times: Although many receive instant decisions, some users report waiting several days for an outcome without receiving updates.
- Lack of Feedback on Rejections: There are complaints regarding applications being declined without specific reasons, particularly for returning customers with previous positive history.
- Technical and Documentation Hurdles: Occasional reports mention website glitches preventing loan amount entry and frustration over being asked to resubmit documents like payslips for repeat applications.
- Referral Dissatisfaction: Some users expressed frustration after being redirected to "secure partners" who also ultimately declined their applications.
Verdict
Stay Finance is a strong candidate for consumers seeking fast, short-term financial assistance, especially those who may struggle to secure loans through major banks. However, potential applicants should be prepared for the possibility of a multi-day wait during busy periods and should ensure their documentation is ready for manual review if required.
My experience was excellent from start to finish. The team treated me with respect, communicated clearly, and made the whole process straightforward. I was going through a really challenging time financially and needed support, and they gave me a chance when I needed it most. I'm genuinely grateful for how easy they made the experience. … Read more
Everything was explained clearly from the beginning, and I didn't experience any unexpected fees or issues during my loan.
I was very satisfied with the rate I received. It was fair, suited my circumstances, and helped me get through a difficult period without any surprises.
Reviews with attachments
These guys r verry good amd my experiamce was good
Easy to deal with easy transaction good communication quick responses Show details
Fast communication. Great options and just a great company really Show details
To fix my car so I can get up to the hospital to be my shopping Show details
Excellent stilling in progress but so good so far easy and great
Excellent customer service and excellent communication skills with great deals to offer
Fast approval guarenteed cheers stay finance appreciate it bad good cred approval Show details
Excellent servicrapplying was a easy process.and money into your account. Would highly recommend. Show details
excellent service good buisness fire up and get some bucks
Best I love it easy to apply and flexible repayments. Show details · 1
Easy and quick very simple to use and navigate easy Show details
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Latest follow-ups
Absolute useless. I had to wait over 24 hours just to be declined for a loan I have more than the capability of repaying. I have good credit and a regular income, and shared expenses. Clearly this is a loan company that targets people that won't… Read more
pay and people they can get excessive fees from. I recommend using CashTrain as your lender over this parasites. Also, they offer rewards for positive feedback. That says it all really!
Follow-up · No change, my original review stands. Its just not worth doing business with these guys.
Fast approval hassle free no wait times and awesome customer service
Follow-up · I'm sorry guys not as good as we would like, I was only given pre approval and made to wait 72hrs before I even got a response.
This is one of the best App I have ever used Try them and you will not regret it Show reply
Follow-up · My experience with Stay Finance was great. I asked for a loan and it was so easy to get the loan. Stay Finance is one of the best to be with. Thanks
Positive reviews
Stay finance is Excellent I have been going through them for 2 years now the customer service is very good i had no issues with stay finance very easy to apply for finance. Show details
stay finance is the official website for making easy and fast loans, I have used their official website to make loans for 2 years and I have received good service and it has always been made easy, I highly recommend it to anyone who needs a quick and easy loan, this is your place. Thank you, please understand.
They have been extremely helpful with assisting when times were tight, one improvement could be current loan balances on main dashboard though instead of having to email each time for a pay out figure
Negative reviews
I have been a reliable customer with an above average Stay score, but recently I was denied on a loan application without any explanation on why, which has left me confused. I DO NOT recommend Stay Finance Not Impressed
Great repayments and affordable. Don't like sending my payslip everytime I apply when nothing has changed for years. They don't reply straight away.Not good at resolving solutions when I need an urgent loan. Show details
They took 3 days to get back to me with "they couldn't help me this time but 1 of our secure partners can"........ All to be stuffed around again with a "sorry we couldn't find a partner to give you a chance"! Show details
Find out how Stay Finance compares to other Personal Loans
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Recent reviews
Looks so far so good still waiting to find out results though so it’s a little bit longer than 60 seconds but anyway we’ll see so far. It’s been pretty easy.
Very helpful. Bad credit, they give you the chance to prove yourself to payback. I doing my best to paybacks always in time. Let's see if they approve another after paying. Cheers. Give it a shot. Some companies actually understand people and there problems. Cheers Show details
Helpful and straightforward loan service I had a positive experience with Stay Finance. The application process was straightforward, and the communication was clear and easy to follow. The customer service was helpful when I needed information about my loan and repayment options. The repayment amounts and schedule were explained to me, and I… Read more
appreciated having access to finance when I needed it. I did not have any major unexpected issues during the loan process.
Overall, I was satisfied with the service and would recommend Stay Finance to people who need short-term finance, as long as they carefully check the repayment terms and make sure the repayments fit their budget.
Very helpful when you on a desperate need help and stay finance will help you..service is so quick and staff really helpful will solve your problem in an hour really thanks to stay finance and highly recommend to everyone have a financial difficulty..thank you stay finance
Easy to follow application, still waiting for approval at the moment , has been 4hrs. Overall, easy, fast application. Will follow up a review when I hear from them.
Application process was smooth and easy to complete. The platform is simple to use, and communication so far has been clear and professional. Waiting for the final outcome, but my experience up to now has been very positive.
I haven't been approved yet, however, the website is easy to navigate, I sent a message and got a reply within 15 minutes. It seems as though this company can offer a more personalis d service than most.
I have always been very happy with the service that Stay Finance provides and the excellent experience I have enjoyed when I have been dealing with them. I would highly recommend Stay Finance to anyone wishing to apply for a short term loan.
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