Payday 24/7 Loans

With these fast, secure loans payday loans, you can borrow from $500 up to $1,900 with no credit checks. High fees and charges apply.

  • Payday 24/7 loans are now offered through its parent company, Ferratum. The rates, fees and requirements as outlined on the page below are all the same. You can use the 'Go to Site' link to apply online with Ferratum.

Payday 24/7 offers loans with an easy, secure and quick application process. You could receive the funds in a day, and in case you have any questions, they have customer service representatives. You can borrow between $500 and $1,900, but the fees and charges will be high. Your loan will feature an establishment fee of 20% the borrowed amount and a monthly fee of 4%. Loan terms are 3 to 12 months, and in case you miss your repayments, you will be charged $55.


Maximum loan amount

Same day

Turnaround time

conditions apply


Fortnightly repayment
for $1,500 loan

3 to 12 months

Term of loan

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameFerratum Cash Loans
Minimum loan amount$500
Maximum loan amount$1,900
Initial Maximium Loan Amount$1,900
Arrears Fee$55
Loan term3 to 12 months
Turnaround timeSame day - conditions apply
Costs20% of borrowed amount + 4% of borrowed amount each month
RequirementsYou must be over 18 and have your own email address, mobile, phone number and a bank account.
Available to Centrelink Borrowers?Yes

Are you struggling financially?

If you're struggling financially and would like to speak to someone for free financial advice, information and assistance you can call the Financial Counsellors hotline on 1800 007 007 (open from 9:30am to 4pm, Monday to Friday). If you are suffering financial problems related to the coronavirus pandemic you may be eligible for additional support.

⚠️ 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.

How does a loan from Payday 24/7 work?

Payday 24/7 offers short term payday loans. The loan amount can range from $500 to $1,900 and is generally deposited in your bank account quickly.

The application form is simple and can be completed online. After confirming your proof of identity and providing bank details, you will find out almost immediately if you have been approved for the loan. The payday loans offered are short term and are structured to ensure they will lesson, rather than add to your financial burden.

Features and benefits of a Payday 24/7 Payday Loan

  • Fast direct deposits. The application process for a short term loan from Payday 24/7 is easy, secure and, most importantly, fast. The quick process means the cash you request could be in your account as fast as one business day.
  • Local customer service. Getting a short-term loan when you need it quickly can be a stressful situation. Payday 24/7 has local customer service representatives that can help you when you have important and urgent questions.
  • Apply online in minutes. Applying online is simple when using the Payday 24/7 website. The online application provides a response directly after you apply, meaning there is very little waiting involved. Because Payday 24/7 pairs with secure online partners, you can safely upload past bank statements which means there is no need no to dig through old papers.

How to apply for a personal loan from Payday 24/7

Fill in your personal details and complete the requested information. Your application could be approved in minutes, giving you access to funds quickly. The application form is simple to understand but if you need greater clarity, local customer service representatives are available to speak to on the phone.

Eligibility requirements

  • You must be 18 years old or over.
  • You must have an email account.
  • You must have a bank account.
  • You must have a working mobile phone.
  • You must be an Australian resident.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


    Default Gravatar
    April 20, 2019

    I need a quick loan but I’ve got a few loans already in the last 90 days. I just need a quick extra 500 bucks to get me through until I get back to work this week because I had an injury on my leg.

      Avatarfinder Customer Care
      April 21, 2019

      Hi Michael,

      Thank you for contacting Finder.

      We hope that you are recovering fast.

      Please note that having multiple applications over a short period of time may hurt your credit file. I suggest that you check the eligibility requirements or contact Ferratum Cash Loans to check if you can be pre-approved before you apply. You can click the Go To Site button on this page should you wish to proceed with the application.

      Hope this helps.

      Kind Regards,

    Default Gravatar
    February 18, 2018

    I want to borrow 1900 I can t get in to do my pin code please ring me on X

      Avatarfinder Customer Care
      March 6, 2018

      Hi Rosa, thanks for your inquiry!

      Please note you have reached and not Payday 24/7 Loans, you can contact them directly on 1300 433 772. Available 7am-5pm Australian Western Time.



    Default Gravatar
    March 23, 2017

    Morning guys can you please help. need cash urgent like in urgent

      Avatarfinder Customer Care
      March 23, 2017

      Hi Mario,

      Thank you for your inquiry.

      You may contact a lender listed above to discuss your options if you want to get a payday loan. Alternatively, you can also review the criteria, compare your loan options and get in touch with a lender featured on our online cash loans page.


    Default Gravatar
    January 13, 2017

    I’m John. I need a very fast loan of up to 700 to get me through next few days. I don’t have the best credit. Can someone help really? I need it.

      Avatarfinder Customer Care
      January 14, 2017

      Hi John,

      Thank you for your inquiry.

      Please check the list of lenders featured on our website to find bad credit payday loans. Alternatively, you can also check no credit check payday loans for more options.

      I hope this helps.

      Kind regards,

    Default Gravatar
    December 9, 2016

    I’m Chrissy. I am wondering if you can help me. I need a small loan between $1200 and $2000 to pay up some of my bills including getting a new pair of prescription glasses as mine are broken and can’t see without them, ergo for car and fix gearbox in the car. My wage is $868 after tax and I work full time. I have lived in my house for 3 years. Can you please help me?

      Avatarfinder Customer Care
      December 9, 2016

      Hi Chrissy,

      Thank you for reaching out.

      Please get in touch with Ferratum by selecting the “Go to site” button found on this page. Please note that the maximum amount that they can possibly lend to you is $ 1,900.

      You may also check the list of $2000 loans featured on our website to see more options.

      Please note that Finder is a comparison website and not a loan provider or a bank.

      I hope this helps.

      Kind regards,

Go to site