Where can I get a payday loan with bad credit in Australia? :

Where can I get a payday loan with bad credit in Australia? (Photo: Pexels)

If you’re struggling financially, need to pay big bills, or have an emergency but don’t know where to go, I’m here for you. Payday loans offer the best financial support by providing instant loans that you can pay off on your next payday.

Payday loans do not discriminate as they offer loans even to those with bad credit scores at favorable interest rates. They are better than traditional lending institutions because they don’t require a lot of paperwork and credit checks.

In this article, I will tell you where you can get paydays at great rates in Australia. So without wasting time, let’s get straight to it.

5 Best Payday Loans With Bad Credit Matching Services

1. Gday Loans

Gday Loans is an online lifesaver if you desperately need an instant loan, as it offers guaranteed approval loans for bad credit applications. Their repayment plan is advantageous because you have two years to pay according to the agreement.

They have a simple application and approval process, which gives you an easy time to get the loan instantly. The best part is that they don’t discriminate on who should guarantee the loans, even if you have bad credit, unlike traditional lending platforms that look for any chance of disqualifying you.

If your loan application is successful, they will forward you to their credible lenders, who will provide you with a document containing their terms and conditions. And once you accept the terms and put your signature, the loan amount you initiated will be transferred to your account within 24 hours. The important part is that the interest rates charged are entirely dependent on your ability to pay, ranging from 5.99% to 35.99%.


  • The loan is transferred to your account instantly

  • Their loans range from $200 to $5,000.

  • They have a simple application system and approval process.

The inconvenients

2. Viva Payday Loans

If you are in a tough financial situation and need a quick way out, you should try Viva Payday Loans as it is a credible online lending platform that works with high quality lenders who offer huge loans from $100 to $5000. It is an online lending platform that connects its users with reliable lenders who work daily to ensure you get the best loans at manageable rates. Their loan ranges from $100 to $5,000 depending on your choice and charges interest rates from 5.99% to 35.99%.

Moreover, their repayment plan is suitable as it gives you enough time up to 2 years to make the repayment of the loan in total. Getting Viva Loans is instantaneous as they have a well-organized system that guarantees you secure your loan in just one application.

In the same way, doesn’t pay too much attention to your credit performance, which means you can still secure their best loans even with a bad credit rating. Note that they match you with lawyers who match your profile, so it’s up to you to make sure your credit score is clean and well rated to get the best loan deals with Viva.

Once the application process is complete and dusted off, they will provide you with a list of their terms and conditions which you will need to put your signature on to show that you agree to all of their requirements. After that, the loan will be sent to your account for use.

Know that Viva Payday Loans still provides loans even if you are unemployed, a welfare recipient, and there is no angle from which they discriminate against you, unlike traditional lending institutions such as banks.


  • The loan is immediately deposited into your account

  • Their loans range from $200 to $5,000.

  • Simple application and approval process

The inconvenients

3. Pronto paydays

Pronto Paydays is a unique online lending platform that ensures its users are connected to the best lenders who can help them solve their financial incapacity. They offer loans from $100 to $2,000 with a repayment plan of up to 2 years. Additionally, they offer their customers a grace period before they ask you to pay.,

Also, unlike many traditional lending institutions, they are kind enough to offer loans to people with bad credit. Even if you have a good credit rating, fees are something to consider.

Their terms require you to pay a 4% monthly fee, not to mention a 20% setup fee. That said, I recommend that you only take out this loan for an emergency if you don’t want to be broke anymore.


  • 2 year repayment plan

  • Offer loans between $100 and $2,000

  • You don’t need collateral to secure a loan

The inconvenients

4. Sunshine Short Term Loans

The sun is one of best online lending platforms which connects its users with quality lenders who are kind enough to offer loans from $150 to $2000. And if you’re a one-time payer, you won’t have to pay any additional fees. However, their repayment plan starts from 9 weeks to 6 months, which is the shortest repayment plan among other payday lenders.

Sunshine loans also come with a 20% setup fee and a 4% monthly interest charge. And government beneficiaries who receive funds from Center Link have a fee of less than 50% of the amount you receive.


  • The repayment plan depends on your salary

  • Offer loans of up to $2,000

  • The loan is deposited into your account immediately.

The inconvenients

5. Jacaranda Personal Loan

Jacaranda Loan is one of the best online lending platforms collaborating with high-end lenders and offering outstanding loans to their customers. Their application process is simple and the response is spontaneous.

They appoint clients differently based on your ability to pay on time and connect you with the most appropriate lenders who provide you with the services you need. They pay attention to your valuable debt and credit score so they can assess you.

They offer a maximum loan of $10,000 with a maximum repayment plan of 2 years, and their interest rates range from 8% to 48%.


  • They have a 2 year repayment plan

  • Offers loans of up to $10,000

  • Provides government beneficiaries with the ability to obtain loans

  • Simple application and approval process.

The inconvenients


The above information is enough to transform your financial situation if you consider the above online lending platforms. And if you are looking for the best deal from the list, I suggest you go for Gday Loans because they have credible lenders that will change your financial game.

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Norma P. Rex