No Faxing Required

3 Minute Application

No Upfront Fees

Bad Credit OK


What is a payday loan?
Payday loan is a short term loan that can be applied to take care of any small yet urgent cash need.

Who can I qualify?
Qualifying is very easy. You will just need to prove that you are a citizen of Australia, above 18 years, have a valid bank account and earn fixed income at the end of every month.

Will I need to pledge any collateral to apply?
There is no need of pledging anything to apply for any of the loan services.

Can I apply despite being a bad credit borrower?

Of course you can. Your bad credit rating will never hold back your approval.

Is there any restriction on the usage of the borrowed money?
No, there is no restriction on the usage of the borrowed money. Whether you need cash for business purpose or to fulfil personal requirements, it is completely up to you how you spend the approved cash.

How long does it take to obtain approval?
At Payday Loans we will try our best to find a lender who will offer you an approval within a day.

How safe is my personal information?
We make use of various advanced safety measures to ensure that all your personal information is safe with us.

Representative APR Example
Amount of credit AU$200 for 30 days
Interest Rate 359%
Total Repayable AU$259
Representative APR 1734%