Payday Loans in Darwin

Payday loans in Darwin can offer you a quick and easy short-term financing solution during financial emergencies.


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Payday loan providers in Darwin can offer financial help to Australians in the Darwin area, and can be a option for individuals seeking alternative financing from that offered by traditional lenders. Such loans have a lenient lending criteria, minimal paperwork, and fast approval and payment times.

Unlike standard lenders and banks who focus on your credit history and who have long approval periods, short term loans can offer you fast financing if you have bad credit or are on a low income. However, it’s important to note that the rates are not competitive, and the repayment schedule isn’t flexible.

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Sunshine Short Term Loans

This is a short-term loan offer with a fast and easy online application for good or bad credit borrowers. You can apply today to get approved for up to $2,000. Get your loan funded in 30 minutes - conditions apply.
  • Loan Amount: $2,000
  • Loan Term: 9-14 weeks
  • Turnaround Time: 30 minutes - conditions apply
  • Fees: 20% of loan amount + 4% of loan amount each month
  • Bad credit borrowers OK
  • Quick & easy Approval
Sunshine Short Term Loans
  • Bad credit applicants considered
  • Fast approval service
  • Borrow up to $2,000
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Comparison of payday loans

Data indicated here is updated regularly
Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans
9-14 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $2,000 that you repay over 9-14 weeks. Loans approved and funded in as little as 30 minutes.
Nimble Short Term Loan
62 days to 9 months
1 hour - conditions apply
20% of loan amount + 4% of loan amount each month
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
Fair Go Finance Small Loan
3-12 months
1 business day
Establishment fee 20% of loan amount + monthly fee 4%
A small loan between $500 and $2,000 that can be funded in 24 hours.

Compare up to 4 providers

How do payday loans providers in Darwin work?

Payday Loans in Darwin offer a fast and convenient way to access quick cash. You can apply online for anything from $400 to $2,000 to help you out during emergencies, with online applications taking just a few minutes. You’ll find that in most cases all the costs are disclosed, and individuals with bad credit ratings stand a chance to be approved.

Businesses within the Darwin area also have access to cash loans, where they can fill in an online application within two minutes and get the financing they need in their bank account, generally within 1-2 business days.

How to compare short-term loan providers

short term loans
  • Products offered.
    It’s important to note that all the products will be similar. Typically, instant cash products should offer you anywhere from $100 to $2000 to cater for whatever need you have. Interest rates can go up to 400%p.a. and higher.
  • Eligibility requirements.
    Most providers will let you borrow money, even if you have a bad credit history. Good lenders will only require essential information about your income, address and personal details and will not probe too much into your credit rating.
  • Approval time.
    With a payday loan, you want a lender with a fast application and approval process, allowing you to know how much you can borrow instantly. Online approval should be fast, and the money should be wired to your account within 24-48 hours of the application.
  • Fees.
    Be sure to enquire about the fees charged on different payday loans before settling on one. Some payday loans may have hidden account-keeping charges, application fees or exuberant late payment fees.

What areas in Darwin are payday loans providers available?

Whether you are looking for some quick cash to cater for an unexpected bill or emergency costs, you can find a payday loan provider in most locations in Darwin and its suburbs.

  • Inner Darwin. This area includes suburbs such as Bayview, Cullen Bay, Darwin, Fannie Bay, Larrakeyah, Ludmilla, Parap, Stuart Park, The Gardens, Tipperary Waters and Woolner.
  • Northern Suburbs. These include Alawa, Anula, Brinkin, Casuarina, Coconut Grove, Jingili, Karama, Leanyer, Lyons, Malak, Marrara, Millner, Moil, Nakara, Nightcliff, Rapid Creek, Tiwi, Wagaman, Wanguri, Woodleigh Gardens, and Wulagi. These areas are approximately 10-15 minutes from the CBD.
  • Outer Darwin. The suburbs in outer Darwin include Acacia, Bees Creek, Berry Springs, Coolalinga, Girraween, Herbert, Howard Springs, Humpty Doo, Lake Bennett, McMinns Lagoon, Noonamah, Virginia, Wedell. Most of these suburbs are just about 40 minutes from the CBD.
  • Palmerston. This area is made up of suburbs such as Bakewell, Berrimah, Driver, Durack, Farrar, Gray, Gunn, Marlow Lagoon, Moulden, Palmerston, Pinelands, Roseberry, Woodroffe, and Yarrawonga. The area is about 25 minutes from the CBD.

What are the benefits and drawbacks?

  • Quick approval.
    Payday loan providers understand that a person in need of instant cash cannot wait for days or even weeks for approval. A payday loan application takes minutes, and the borrower is informed of what they qualify for instantly.
  • No paperwork required.
    Payday loan applications are done online with no need for the borrower to fax or submit paperwork to the lender.
  • Quick payments.
    Payday loans are usually dispatched to your bank account within 24 to 48 hours of application.
  • Late payment fees.
    Payday loans usually charge high fees for late payments, which can be tricky especially due to the short term of less than 30 days on most instant cash loans. Interest charges on such loans are usually higher than on long-term loans.
  • High costs.
    While payday loans are convenient, this convenience comes at a much higher cost in comparison to standard personal loans.
  • Short repayment period.
    Your loan is due back on your next ‘payday’, which is usually in 30 days or less. This is also a lot shorter in comparison to standard loans in the market.

Questions to ask your payday lender

Remember that it is important to compare a range of payday loans providers and apply for an instant cash loan that suits your needs today all from the comfort of your own Darwin home.

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