Guide to Payday Cash Advances

Information verified correct on October 26th, 2016

Why wait until payday? Get a cash advance today, even with your bad credit rating

A payday advance loan is available from lending services that provide small personal loans to people who urgently need extra cash. You can connect with one of the lenders in the table below. The lender you choose is up to you, giving you the freedom to find a loan provider that best meets your needs and financial situation. Payday Advance Loans offers the loan on the basis that it will be repaid once you receive your next paycheque. It is a useful option to turn to if you need a quick temporary solution to a cash-flow problem and where the benefits of having access to additional funds outweighs the cost of the loan. This might be in case of a medical emergency or to secure an opportunity that will lead to greater financial security.

Sunshine Short Term Offer

Sunshine Short Term Offer

This is a short term loan offer with a fast and easy online application for bad credit borrowers who are employed. You can apply today to get approved for up to $2,000.

  • Loan Amount: $2,000
  • Loan Term: 9 weeks
  • Turnaround Time: 30 Minutes - conditions apply
  • Total Cost of Borrowing $100: 20% of borrowed amount + 4% of borrowed amount each month
  • Bad credit borrowers OK
  • Quick and easy Approval
  • No Credit Checks - Must be employed

    Comparison of payday cash advances

    Rates last updated October 26th, 2016
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    Warning about Borrowing

    payday-warningDo you really need a loan today?*

    It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

    Check your options before you borrow:

    • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
    • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
    • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

    The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

    * This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

    Types of personal loans for payday advance loans

    • Payday loan.
      If you are in an emergency and urgently need extra cash, a payday loan from can provide you with a cash advance of up to $1,500. The exact amount you can borrow depends on who you choose to be your personal loan provider. You can choose from a range of lending partners, increasing the likelihood of your loans approval. If your loan is approved, the money will be transferred automatically into your bank account, giving you fast financial assistance.
    • Bad debt loan.
      A payday advance loans can be for a bad credit borrower, that is especially designed to help people with a poor credit history secure emergency funding. These loans operate on the same principal as a payday cash loan. By completing the online application form, you can apply for bad debt loan and receive access to fast cash advances of up to $1,500.
    Apply online for a payday loan

    Features and benefits of a Payday advance Loans personal loan

    • Fast bank deposits. A payday loans offers same-day cash advances. Once your loan is approved, the money is transferred into your bank account. Depending on the lender and your bank, this means you may be able to access your funds within hours instead of days. For emergency situations, it is important to have a loan provider that can transfer funds without delay.
    • Convenience and ease. Applying for a short-term personal loan with a payday advance can be fast and simple. The application is done completely online, allowing you to find a loan from the comfort your home or office. There are no lengthy questions or documentation to be faxed. This saves you time because, unlike at a bank or other lender, you don’t have to wait in line. If there is an emergency, such as a car accident, and you do not have the time or opportunity to physically find a lender, having the convenience to apply for a loan online on your mobile phone or computer is very helpful.
    • Easy to apply. There are minimal restrictions on who can and cannot apply for a personal loan. Aside from standard age and employment requisites, there are usually no restrictions against applicants with bad credit. This means any outstanding debt or unpaid loan will not get in the way of applying for the loan you need.

    How to apply for a personal payday loan or payday advance

    If you are interested in a short-term personal loan, compare your options with the tables above and then click ‘Go to site’ to complete an online application form. This will redirect you to their website. Please allow around five minutes to complete this application. Make sure you check before applying that you meet their eligibility requirements. To apply for a loan from you must be:

    • At least 18 years of age
    • An Australian citizen
    • Employed and earning a minimum of $1,200 per month

    Given all personal loans are deposited via bank transfer, it is also necessary to have a bank account with a recognised banking institution. Payday Advance Loans is a suitable loan provider for those in need of a temporary cash-flow solution. Their payday loans are not suitable as a way to relieve long-term financial stresses but can be useful in cases of emergencies. If you are employed and need cash between paydays, a personal loan from Payday Advance Loans can provide a simple solution.

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