Payday loans for cash pay

Find out how to get a short term loan if you receive your pay in cash or if you have difficulty proving your income.

If you’re looking for a short-term cash solution you’ll find that there’s a variety of options on the market. However, trying to find one that you’re eligible for and that meets your requirements is often a challenge. If you get paid in cash, don’t have payslips or receive a different amount of pay every week, there are still some loan options available to you.

What do payday lenders need from me?

Legally, lenders need to see your bank account statements for the last 90 days. If you receive your pay into two accounts, you’ll need to provide statements for both accounts.

The majority of lenders will ask for your Internet banking logins to access a read-only copy of your bank statements. This is standard practice for short-term lenders and is one of the reasons why they can provide such a quick application process. You can find more about how this works here.

Lenders may also ask you to provide payslips or Centrelink statements, copies of your bills, other account statements or rental statements.

What if my pay isn’t deposited into my bank account?

Some lenders will only approve you for a loan if your pay is automatically deposited into your account. These lenders usually process loans based on your bank account data, so won’t accept other information, such as payslips, when considering your application.

If you receive your pay in cash, you will need to be able to prove your income by supplying two to three recent payslips. The lender may also verify your income by calling your payroll officer. The lender won’t disclose that you’re applying for a payday loan when they make this call, they will just confirm that you’re employed there and that you’re earning the income listed on your application.

What lenders can I consider applying with?

  • Ok Money. You can provide payslips to support your application, along with your bank statements. If your pay isn’t deposited into your bank account, you also have the option of repaying your loan via “payroll deduction”. Ok Money will get in contact with your payroll officer to set up the deductions.
  • Cash Converters. You’ll need to provide 90 days of your bank statements when you apply. You may also be able to use recent payslips to support your application at a Cash Converters store.
  • Cash Stop. As long as you provide proof of your income along with your bank statements, you can apply online or in-store.

Have more questions?

I don’t have payslips from my employer. Can I still apply?

You may be able to approach your employer for some kind of proof of income. Explain that you are trying to apply for a loan and that you need proof of your income. You could also start depositing your pay regularly into your bank account. This step will start building a good relationship with your bank and add to your banking history.

I receive cash-in-hand pay and pay from Centrelink. Are both considered?

As long as you can prove your cash pay, both incomes will be considered. You can compare a range of Centrelink loan options on this page.

Can I get a loan without 90 days of banking history?

Unfortunately not. From 1 March 2013, the Australian Securities and Investments Commission (ASIC) requires all payday lenders to check 90 days’ worth of banking history for everyone applying for a payday loan. This means you will need to wait until you have this history to apply for a loan.

Picture: Shutterstock

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

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 Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

6 Responses

  1. Default Gravatar
    AnaNovember 13, 2018

    I’m from India Goa I’m looking for a personal loan I get payed cash in my had my salary and I have salary slips how to get a loan

    • finder Customer Care
      JoelNovember 13, 2018Staff

      Hi Ana,

      Thanks for leaving a question on finder.

      The lenders featured on finder only caters to residents in Australia, US, UK, Canada and New Zealand. You will have to check with your local lenders for now. Thanks for the feedback and we might consider lenders from other countries in the future.

      Please send me a message if you need anything else. :)


  2. Default Gravatar
    jabulisiweSeptember 19, 2018

    woud i get the loan today can you repliy via sms on my phone

    • finder Customer Care
      JohnSeptember 19, 2018Staff

      Hi Jabulisiwe,

      Thank you for leaving a question.

      You have reached finder. We are a comparison website that assists users on the contents of our pages. If you are looking to take out a payday loan, you may visit this page to see a selection of lenders that could assist you on your need. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!


  3. Default Gravatar
    ursulaSeptember 12, 2017

    Good day! I want to make a small loan and I’m getting paid monthly in cash and don’t have a bank account or statement. It is because I never made a loan before in my life but I am a loyal person and will pay my loan instantly full amount back. What can I do?

    • Default Gravatar
      JonathanSeptember 12, 2017

      Hello Ursula,

      Thank you for your inquiry.

      You can check our list of lenders for small personal loans. Kindly familiarize yourself with the different types of loans and how their general terms work, so that you can find which one suits your needs. Each lender has their own loan conditions, requirements and turn-around for application.

      Take note that since most of them would require proof of income such as 90 days period of bank statements, you may present your payslips as an alternative.

      Hope this helps.


Ask a question
Go to site