Payday 24/7 Payday Loans

Ferratum Cash Loans

Ferratum Cash Loans

  • No credit checks
  • Borrow up to $1,900
  • Bad credit borrowers OK
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What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the product issuer's website. You do not need to be an existing customer of this provider to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • You'll be given a decision on your application from the lender and you could have the money in your account within 24 hours.
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Important Information
  • 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 payday loans to everyday Australians who may be in need of emergency cash.

Payday 24/7 is an Australian run company that is based in Perth and directed by an Australian banker with over 15 years experience. The company is operated on the basis that the customer should only borrow what they need. This is a philosophy which is reflected in its lending system and how it offers payday loans. Payday 24/7 may be able to help you in times of financial emergencies.

Product NameFerratum Cash Loans
Minimum Loan Amount$500
Maximum Loan Amount$1,900
Initial Maximium Loan Amount$1,900
Arrears Fee$38.50
Loan Termup to 6 months
Cash Deposited InSame 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


  • Long loan terms
  • Available to Centrelink borrowers
  • No credit checks


  • High collection costs
  • Aged 18+
  • Australian citizen or Australian permanent resident
  • Have a regular income

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, making the application process relatively easy. After confirming your proof of identity and providing bank details, the approval process is almost immediate. 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. This attractive benefit can make a difference when you are in a desperate financial situation.
  • 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 only asks simple questions and 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, a local customer service representative is a phone call away.

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.
Payday 24/7 offers loans to residents of Australia who require emergency cash. It is a simple process to apply for a Payday 24/7 loan, making it easy for successful applicants to receive a funds quickly. When you are in a financially stressful situation or just need a bit of assistance in between paycheques, payday loans can be a handy financial cushion. With repayment dates of up to 6 months, there are a variety of repayment options to suit a range of financial situations.
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91 Responses

  1. 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

    • finder Customer Care
      JonathanMarch 6, 2018Staff

      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.



  2. Default Gravatar
    MarioMarch 23, 2017

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

    • finder Customer Care
      MayMarch 23, 2017Staff

      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 this page.


  3. 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.

    • finder Customer Care
      JasonJanuary 14, 2017Staff

      Hi John,

      Thank you for your enquiry.

      Please check out this link for lenders who offers bad credit payday loans options. Alternatively, you can check out the lenders in this link for payday loan options with no credit check.

      I hope this helps.

      Kind regards,

  4. Default Gravatar
    ChrissyDecember 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?

    • finder Customer Care
      JasonDecember 9, 2016Staff

      Hi Chrissy,

      Thank you for reaching out.

      Please get in touch with Ferratum to apply for a personal loan. Please note that the maximum amount that they can possibly lend to you is $ 1,900.

      You may also click this link to check out the other loan providers who can lend you a maximum amount of $2000.

      Please note that is a financial information service and general information website that helps consumers make better decisions. We are not a loan provider or a bank.

      I hope this helps.

      Kind regards,

  5. Default Gravatar
    SeanOctober 21, 2016

    Good Evening, I was wondering if I would be able to apply for a loan through your organisation. I receive over $600 Carers Pension per fortnight, plus a ComSuper pension of $857. This totals over $1500 per fortnight. I am also a bankruptcy. That’s another story. I only require about $1500 in order to catch up on some outstanding bills ie: car registration, Telstra etc. Would you be able to help?

    • finder Customer Care
      ElizabethOctober 24, 2016Staff

      Hi Sean,

      As a financial comparison website we don’t offer the loans ourselves, but the lender reviewed on the page above does consider bankrupt applicants and those receiving the pension.

      Hope this helps,


  6. Default Gravatar
    brittoApril 20, 2016

    ok so I applied for my loan of 500 dollars about 2 hours ago. Ferrutum stated it would take around 12 minutes. Still nothing. How do I find out how long it will actually take so I don’t have to apply for several other loans because im frantic for money.


    • finder Customer Care
      ElizabethApril 20, 2016Staff

      Hi Britto,

      You may want to get in contact to find out about the status of your application. It’s important not to apply for any other loans until you have heard back from Ferratum – every loan application you make will be listed on your credit file and will impact your ability to access further finance. The application should take around one hour to be processed but it may take longer depending on processing times.

      I hope this has helped,


  7. Default Gravatar
    TracyDecember 5, 2015

    Can I get a credit card or a loan with Centrelink payments only I’m not employed I do house duties and I get a payment a week I have two small loans already that I’m paying off a fortnight and I have credit default with cash stop from last year and I want a long term loan or credit card with a long term loan with a low repayment and low interest rate can u help me

    • finder Customer Care
      ElizabethDecember 8, 2015Staff

      Hi Tracy,

      You won’t be eligible for a credit card if you are unemployed, but you might be able to find a lender who could consider you for a loan on this page. Keep in mind there are strict eligibility criteria regarding unemployed loans and to review this criteria before you apply.



  8. Default Gravatar
    TracyDecember 5, 2015

    I week is a disability pension a fortnightly and the other week is facility tax benefit a&b payment a fortnight and I don’t work I currently have 2 small loans I’m paying off at 138.00 a fortnight for both and I have a credit default with cash stop for last year for 360.00 will I still be eligible for step up loan for 3000

    • finder Customer Care
      ElizabethDecember 7, 2015Staff

      Hi Tracy,

      To be eligible for a SteUp loan you need to hold a current Centrelink health card or Pension card or qualify for Family Tax Benefit A and have lived in your current address for more than three months. A credit check is also required. Other eligibility criteria will be discussed when you apply for the loan.

      I hope this has helped.



  9. Default Gravatar
    TracyDecember 5, 2015

    If I’m eligible for a loan through step up n I’m waiting for the step up pack and I fill out the forms and have an interview does that mean I have the loan

    • finder Customer Care
      ElizabethDecember 7, 2015Staff

      Hi Tracie,

      Your loan is not confirmed until after your interview when you discuss your eligibility with your MicroFinance Worker. Make sure you fill out all the paperwork and bring it to the interview. After your interview your application will be sent to NAB for an assessment, which includes a credit check, and if approved you will need to visit a NAB branch to sign your loan contract.

      I hope this has helped.



  10. Default Gravatar
    AmyNovember 26, 2015

    Hi I’m only receiving single parent payments off centerlink and I’m in need of a cash loan is there any companies that offer cash loans for people like me

    • finder Customer Care
      MattNovember 26, 2015Staff

      Hi Amy,

      Thanks for getting in touch. Lenders generally have a percentage of your income that they will lend up to when borrowers are on Centrelink. You can review each lender here and review the criteria.

      It’s important to compare your options before applying.


    • Default Gravatar
      AmyNovember 27, 2015

      Do you know of any companies that do lend cash loans in my situation

    • finder Customer Care
      ElizabethNovember 30, 2015Staff

      Hi Amy,

      As I’m unaware of your current financial situation I can’t comment on a lender you may be eligible with. You can compare lenders on this page – minimum criteria is usually that you are 18 and earning a minimum income. If you are receiving Centrelink payments you can head to this page, if you are unemployed you can compare lenders on this page.

      I hope this has helped.



    • Default Gravatar
      AmyNovember 30, 2015

      I receive single parents payments off centrelink only at the moment and I’m in need of a cash loan do you know of anyone who does loans for people in my situation. Amy

    • finder Customer Care
      ElizabethNovember 30, 2015Staff

      Hi Amy,

      I can’t recommend a specific lender to you but the page you are on shows the details of a lender, Ferratum, who accepts loans from people receiving Centrelink payments. By clicking “Go to Site” you can submit an application. You can also compare your other loan options on this page.

      I hope this will help.



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