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View Short Term Loan Brands A to Z Listing

A listing of Australian Short Term Loan Brands


We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.

There are a wide range of short term loan brands in Australia. Prospective applicants should make sure to do their research and compare the range of options before they apply online.

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. Find out more here:

⚠️ 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.

List of short term loans lenders

LenderLoan amountLoan termTurnaround time
Aussie Payday Cash$70 to $50016-47 daysWithin minutes
Buddy Loans Personal Loan$2,000 to $5,0001 - 12 months24 hours
Cash Australia$300 to $2,00016 days to 12 monthsWithin 24 hours
Cash Cloud$300 to $2,000Up to 3 monthsWithin an hour
Cash Converters Loans$100 to $4,600up to 12 months24 - 48 hours
Cash Direct$200 to $2,000Up to 6 months-
CashnGo Loans$100 to $2,0001 - 3 months60 mins - conditions apply
Cash Now Ferntree Gully$100 to $2,00016 - 45 daysNext business day
Cash Smart$300 to $2,0009 - 24 weeksSame business day
Cash Stop$300 to $5,00016 days - 2 yearsSame Day - conditions apply
Cash Today$2,000-Next Business Day
Cash Train$200 to $2,00010 weeks or 3 months1 Business Day
Champion Money$15,000VariesNext Business Day
City Finance$100 to $5,00017 weeks to 52 weeks-
ClearCash$500 to $3,0004-12 monthsNext Business Day
Club Money$250 to $5,000Up to 12 months1 Business Day
Credit24$500 to $10,00012-24 monthsSame day
DollarsDirect$1,000 to $2,02565-100 DaysSame day - conditions apply
Easy Financing$300 to $5,000up to 3 monthsSame Day if approved
Fair Go Finance$2,250 to $10,0003-36 monthsWithin 24 hours
Fast Access Finance$300 to $2,5001-8 monthsWithin 24 hours
Ferratum$500 to $1,9003 to 12 monthsSame day - conditions apply
Financier$150 to $5,0002 - 24 monthsNext Business Day
Funda Custom Credit Solutions$500 to $5,000Up to 2 yearsUp to 1 business day
GetPaidToday$100to $2,0001 - 12 monthsSame Day
Good to Go Loans$500 to $5,0004 weeks - 52 weeksWithin few hours
iWantPayday$400 to $45,000Up to 12 months4 hours
Jacaranda Finance$2,100 to $4,60013-24 monthsInstantly - conditions apply
Kwoom$100 to $80032 daysSame business day
Max Cash$1,600 to $10,0006-12 monthsNext Business Day
MiFinance$500 to $1,0003-6 MonthsNext Business Day
Money Plus$100 to $6,00013 - 21 weeksWithin 30 minutes
MoneyMe$500 to $50,000Up to 5 yearsWithin the hour - depending on your institution
Munibox$5,000 to $2,000,0003 - 12 months24 hours
MyCashFinance$1,600 to $10,000Up to 12 monthsSame day - conditions apply
Needy Money$100 to $100,000Up to 5 yearsWithin an hour
Nimble$300to $5,000up to 22 months1 hour - conditions apply
OK Money$200 to $25,000Up to 3 years1 hour - conditions apply*
Payday AU$100 to $1,00016 - 32 daysNext Business Day
Perfect Payday$100to $2,00016 days - 1 yearSame Day
Purple Payday$100 to $2,0001-12 monthsSame day - conditions apply
Rapid Loans$2,000 to $10,000-Next Business Day
Speedy Finance$300 to $5,00010-60 weeksWithin 24 hours
Quick Cash$200 to $2,00061 days - 12 monthsWithin an hour
SpotMe$250 to $1,0001-3 months24 hrs
SRG Finance$100 to $3,0003 to 12 monthsSame day (before 1500 AEST)
Stress Less Money$300 to $2,0003 weeks - 3 monthsSame day - conditions apply
Sunshine Loan Centres$150 to $2,0009-14 weeks30 minutes - conditions apply
Swift Loans$300 to $4,50010 - 52 WeeksWithin 60 minutes
Swoosh Finance$2,000 to $4,581.8012-24 monthsNext business day
The Money Centre$100 to $2,00062 days - 52 weeksInstantly - conditions apply
Today Loans$500 to $3,0006 months to 3 years-
Wallet Wizard$500 to $5,000Up to 2 years24 hours
Yes Loans$100 to $50,000Up to 7 yearsNext Business Day

What are the risks of payday loans?

  • Unaffordable repayments. Payday loans are an expensive way to borrow money and should only be used as a last resort. Check the size of each repayment and ensure you will be able to pay it on time. Unaffordable repayments can lead to late fees that will only make things worse.
  • High rates and fees. Rates and fees on payday loans are high but there are rules in place so be sure to check your lender is not charging you more than ASIC allows. Also, look at what you would be charged if you are late on a payment or if you default on the loan altogether.
  • Unreputable lenders. All Australian lenders should be accredited by ASIC. Check for a credit licence on the ASIC Register and ensure that the lender is easily contactable.
  • Impact on credit score. Every loan application shows up on credit reports. While lenders might not consider credit history, applying for lots of loans within a short period can have a negative impact on your credit score in the future.

Prospective payday loan applicants should always compare their options carefully prior to submitting any loan application. They should also remember that while payday loans may seem convenient, they can be debt traps to people who are facing financial difficulties, and should not be taken out by anyone who is unsure as to whether or not they can comfortably meet the necessary repayments.

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8 Responses

  1. Default Gravatar
    QuickleSeptember 4, 2018

    Just wanting to see if we can get the Quickle name up on your website.

    • Avatarfinder Customer Care
      JohnSeptember 4, 2018Staff

      Hi Quickle,

      Thank you for your question.

      For you to be able to partner with finder, you would need to click this link to be routed to our “Partner with us” page. Once there, kindly fill in the form and once you hit on submit. Our client services team will get in touch with you to discuss your proposal. Hope this helps!


  2. Default Gravatar
    PaulaFebruary 4, 2016

    Hi my credit score is 750 I just have one default paid that’s all.
    Do you have any ideas where I can get a loan from!

    Please it’s urgent need some money not a lot but something will help

    • Avatarfinder Customer Care
      ElizabethFebruary 5, 2016Staff

      Hi Paula,

      You have a few options depending on how much you need to borrow. Here is a page that compares different lenders for imperfect credit ratings. This page has a personal loan calculator so you don’t apply for loans out of your budget range.

      Thanks for your question,


  3. Default Gravatar
    PaulaFebruary 3, 2016

    Hi can you tell me which company will approve a single mother but earning parent pension of $1200 fortnight please.
    Can you recommend some places .
    I am looking at getting a credit card! My credit score is 750 and I have only one default but paid and that’s it,

    Kind Regards,


    • Avatarfinder Customer Care
      ElizabethFebruary 4, 2016Staff

      Hi Paula,

      Unfortunately, a low credit score can prevent you from being eligible for a credit card. However you may want to look into getting a personal loan. This page compares the loan options available to pensioners such as yourself and are more flexible with their credit score eligibility;

      Here is another page that will give you some information on your credit rating.



  4. Default Gravatar
    LukeJune 14, 2015

    Can u tell me witch ones office open Sunday??

    • Avatarfinder Customer Care
      ElizabethJune 15, 2015Staff

      Hi Luke,

      Thanks for your question.

      Most of these lenders operate online, so you’re able to submit your application at any time. However, check the operating hours of the lender you apply with to see when your application will be processed and loan sent out to you (pending approval).



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