| Dependent on lender | Dependent on lender | Dependent on lender | Dependent on lender | ViewTermsSee website for terms and conditions | ViewSuitableIf you have been declined by other lenders | No |  |
| Have you been declined credit by other lender? Are you self employed or do you have an adverse credit history? If you answered yes to any of these questions then Fox Symes will try and assist you to find the best home loan and interest rate available in the market regardless of your credit history. | ServicesServicesFox Symes will find you the best home loan and interest rate available in the market. Fox Symes has access to hundreds of home loans from Australia's largest home loan lenders which include both bank and non-bank financial institutions.
AdvantagesAdvantages1. Market leading interest rates
2. 10 minute over the phone pre-approval
3. Compare over 100 different home loans
4. Customised home loans for all borrowers including bad credit
5. Borrow from $20,000 to $3 million
6. Borrow up to 90% of your property value
7. Insurance for your home loan payments 8. MFAA full member
DisadvantagesDisadvantages1. You have to apply to find out the APR and terms and conditions. |
| Ask on application | $600.00 | Next payday | 45 days | ViewTermsYou must earn a minimum of $350 per week net (after tax), you must be in full or part time (receiving holiday and sick pay)employment and you have been employed for at least 3 months. | ViewSuitableFor occasional, urgent and short-term cash needs. | No | |
| Want cash QUICK? Cash Doctors supplies you with up to $600 within 60 minutes. The application is online and only takes 5 minutes. Your first cash advance costs you just 1 cent so apply online today. They offer a solution for occasional, urgent and short-term cash needs as opposed to a larger loan you have to commit to for a long time. | ServicesServices1. Apply online - this only takes 5 minutes.
2. Instant cash relief.
AdvantagesAdvantages1. Fast payment - within 60 minutes for new clients and costs just $2. This includes a free debit card.
2. Members are paid 24/7 in seconds.
3. Repayment is hassle free - coming out of your bank account automatically on your next payday.
4. No paperwork or face to face meetings.
5. The team is available on the phone and live online help.
DisadvantagesDisadvantages1. Each time you take a cash advance of any amount, a $45 fee applies.
2. Then it is $29 a week for each week you have an outstanding balance |
| 556.125% | $200 - $1000 | 7 days | One month | ViewTermsYou must be over the age of 18 years old, employed and take home more than $1,000 a month and have a bank account. | ViewSuitableName, address, phone numbers, employer and income. | No | |
| Want cash QUICK? Cash Doctors supplies you with up to $600 within 60 minutes. The application is online and only takes 5 minutes. Your first cash advance costs you just 1 cent so apply online today. They offer a solution for occasional, urgent and short-term cash needs as opposed to a larger loan you have to commit to for a long time. | ServicesServices
AdvantagesAdvantages1. Same day cash loans
2. Bad Credit not a problem
3. No securit necessary
4. Instant decision
DisadvantagesDisadvantages1. Up to $1000 only
2. Over 18s only |
| Ask on application | Up to $2000 | Next payday | Refinance option available | ViewTermsYou must be currently employed for over a month, be at least 18 years old and have an active bank account. | ViewSuitableFor occasional, urgent and short-term cash needs | No | |
| Dollars Direct act as a payday broker, they work with a panel of lenders, helping you to find a payday loan that suits you best. Fill out their quick and simple online application form before 2.30 pm Sydney time and you could get cash deposited in to your account the same day! Furthermore if you use the promotion code CJCASH when applying for you loan, you save 20% on the fee at DollersDirect.com.au | ServicesServices1. The maximum loan amount for Australian residents will be $2,000.
2. Your loan will be due on your next payday that falls between eight and 40 days away. If your pay dates fall outside of this range, your loan will be due in 14 days.
AdvantagesAdvantages1. Same-day funding may be available.
2. Borrow up to $2,000 from the comfort of your home.
3. Online application takes just minutes to complete.
4. Exclusive Preferred Member program.
5. Earn $50 by referring a friend.
DisadvantagesDisadvantages1. DollarsDirect charges you $25 per $100 borrowed.
2. Lenders typically charge interest of up to 24.00% per annum.
3. Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. |
| 1355% | Up to $1,500 | Next Payday | 31 Days | ViewTermsYou must be 18 or over, in full time employment earning $1500 per month or more. | ViewSuitableEmergency cash needs | No | |
| Purple Payday offers you fast and simple Payday loans! The application process is completely online and they accept a greater percentage of applicants than any other payday lender. Borrow up to $1500 and receive cash in your bank account today. | ServicesServicesPayday Loan Services
AdvantagesAdvantages1. Fast application
2. Confidential
3. Nothing to fax
4. No hidden charges
5. Same day money
6. Friendly reliable service.
DisadvantagesDisadvantages1. They charge $25 for every $100 you borrow.
2. High APR.
3. You have to earn $1,500. |
| Ask on application (Between 10%-25%) | $100-$1,500 | 1 days | 30 days | ViewTermsYou must be over the age of 18, with an income. | ViewSuitableFor all those persons who need a short term cash fix | No | |
| Apply online and borrow up to $1,500 with OzLoanSource.com. A payday loan is the perfect answer for you with you are in need of cash fast. To be eligible for a payday loan, you must be currently employed and receiving a regular pay check. | ServicesServicesA great, online application service which means you can do all your applying from the comfort of your own home.
AdvantagesAdvantages1.You can apply in a few minutes online.
2.You do not need to send in any physical documents.
3.The money will be distributed into your bank account,normally on the same day. 4.You pay the whole loan back within 30 days so there are no long term repayments.
5.You will be considered for a loan even if your income is provided by the state.
6.People with bad credit ratings are still considered for loans as the checks are made on your present ability to pay back the loan, rather than your past credit history.
DisadvantagesDisadvantages1.You will not get this loan if you do not hold an active bank account.
2.You will not be accepted for a payday loan if you do not have a regular and steady income, whether from being employed or from the state.
3.You cannot apply for a payday loan if you are already paying off another one.
4.A payday loan is not given to you if you are using your overdraft to pay for one. |
| 35% fee for 30 days 28% fee for 15 days | Up to $1000 | 1 day | 45 days | ViewTermsYou must have a medicare card to apply. | ViewSuitableFor those in need of emergency cash. | No | |
| Lending anything up to $1000 over a period of 1 45 days, Ferratum have tailored a service that allows you to get cash, fast before your next payday. Ferratum Australia Ltd is a leading Australian payday loan and cash loan lender, endeavouring to offer you a solution to a short term cash problem. First time borrowers are automatically entered in to a draw where you could win a $250 Westfield Voucher for a limited time only. | ServicesServicesShort term, unsecured easy, simple, quick and fast cash loans, payday loans & Text Loans
AdvantagesAdvantages1. We provide same day cleared funds till 4:30 pm to all customers. Only when first time customers apply for an amount of $100 with a term between 7~15 days is paid over night.
2.Application process for first time customer is very simple and takes only few minutes to fill up. We also provide the Text a loan service, where our existing customers can send a very simple text message via their mobile phone to apply for their new loan.
3.We disclose everything in our website; the interest rates, the repayable amounts and any small detail that customers that may want to know regarding to our services.
DisadvantagesDisadvantages1.Maximum loan amount $1000
2.Currently unavailable in Queensland and New South Wales |
| Dependent on Lender | $1500 | 7 days | One month | ViewTerms1.You must have a bank account that accepts direct debit
2.You must be at least 18 years old
3.You must be employed and receive a regular income
| ViewSuitableFor those with bad credit looking for a short term cash solution | No | |
| Cash Now work as an intermediary, where they match the requirements of borrowers best to the services of a lender from a panel they work closely with. Lending a maximum of $1500 and with some lenders offering same day transfers you are sure to find a payday loan that suits your needs. Apply online today to see how Cash Now can help you out of a sticky financial situation. | ServicesServices1. 1 Application, Multiple Lenders
2. Apply Online 5 Minute Application
AdvantagesAdvantages1. 1 Application, Multiple Lenders
2. Quick Approval
3. Same Day Cash in Your Account (if approved by one of our lenders)
4. No paperwork or face to face meetings.
DisadvantagesDisadvantages1. Average first time payday loan amount varies between $185 to $200.
2. Payday loans are not a solution for long term financial problems. |
| From 360% | $200 - $1000 | 7 days | One month | ViewTermsYou must be over the age of 18 years old, employed and take home more than $1,000 a month and have a bank account. | ViewSuitableFor those seeking a short term cash solution | No | |
| Get cash loans up to $1,000 approved in minutes with Loans Pronto. Apply online and receive same day cash loans with an instant decision. Bad Credit is OK and no security is needed. If you need some fast cash for whatever reason, Loans Pronto can help. | ServicesServicesOnly ever have one short-term loan at any one time.
AdvantagesAdvantages1. Same Day Cash Loans
2. Bad Credit OK
3. No Security Needed
4. Instant Decision!
DisadvantagesDisadvantages1. Conditions Apply
2. Charge a flat rate of $33 for each $100 borrowed. |
| Ask on application | $100-$1000 | 7 days | One month | ViewTermsYou must be 18 years old, live in Australia, be regularly employed and have a current and valid account | ViewSuitableFor a short term solution to cash problems | No | |
| Payday Gold provides you with a payday loan advance that you will need to repay on your next payday! If you have poor credit and do not wish to undertake a formal and lengthy loan agreement with a bank then this could be the solution to your short term cash problems! This loan is not suitable if you have long-term financial difficulties. | ServicesServices1. Payday Loans
2. Online application.
3. Automated reminder email two days prior to their repayment date.
AdvantagesAdvantages1. Complete online application and get approved in secounds.
2. Funds will be deposited into your bank account the same day or overnight.
3. Quick approval
4. 100% online
5. Confidential and secure
DisadvantagesDisadvantages1. The real expense and debt trap for payday loans is when you rollover or extend your loan multiple times.
2. You have to apply to obtain their fees and charges. |
| Varies | $200 - $1000 | 7 days | 31 days | ViewTermsIf you are over 18 years old, employed, have a bank account and earn over $1,000 a month you could qualify for a payday loan. | ViewSuitableFor those with bad credit seeking a quick short term cash solution | No | |
| Payday Plus offer same day cash loans of up to $1,000 paid in your bank account on the same day. No security is needed and you will receive an instant decision for approval. Apply online for a fast-tracked loan now. | ServicesServicesApply online and get an immediate lending decision
AdvantagesAdvantages1. Get cash loans up to $1,000
2. Approved in minutes!
3. Bad credit OK
4. 100% Online!
DisadvantagesDisadvantages1. Maximum funded amount of loan depends on lender's qualification criteria.
2. Direct Debit Collection Fee $0.99
3. Missed or late payment fee $35
4. Direct Debit Failure Fee $35
5. Default Letter $10
6. Re-schedule payment fee $25
7. Arrears Management Fee $50 |
| Dependent on lender | $200-$1500 | 7 days | 31 days | ViewTermsYou must have a bank account that accepts direct debit, be at least 18 years old and be employed. | ViewSuitableFor quick cash solution for those with bad credit | No | |
| This Payday Loans lender gives you the chance to borrow more money each time you use the service, depending on whether you successfully pay back your previous loan. Get up to $1500 with your first request. Once you have applied, your money could be with you in just 24 hours. | ServicesServicesPlease note that the average first time payday loan amount varies between $185 to $200.
AdvantagesAdvantages1. Same day cash in your account.
2. Online application - 2 minutes.
3. Fees are clear - no suprises.
4. In some circumstances the pay date can be extended for an additional fee.
DisadvantagesDisadvantages1. They charge a loan administration fee of $1 and a broker fee of $28.98 for every $100 borrowed |
| Dependent on loan provider | up to $1500 | 7 days | One month | ViewTermsYou must be at least 18 years old, an Australian resident, employed and have a checking/savings account. | ViewSuitableShort term cash solution | No | |
| It only takes 24 hours for PayDay Loans Finder to get you emergency cash to you after the application process. Simply provide information on your details, contact information and and employment details and you could be a few hours away from receiving your loan. | ServicesServices1. Emergency Cash For Any Purpose
2. Quick, Easy, & Confidential
3. Hassle Free Process
4. Free to Apply
AdvantagesAdvantages1. Get up to $1000 Approved Instantly.
2. Apply in Minutes, Cash in 24 Hours
3. Free to Apply, No Obligation
4. All Applications Accepted
5. Poor Credit, No Worries
DisadvantagesDisadvantages1. Short-term loans should be used for short-term financial needs only, not as a long-term financial solution.
2. You have to apply to find out fees. |
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