How to Get Fast Cash Loans in Australia?

Payday loans are designed to bail you out when you are short of cash. Fast bucks come in the form of “payday loans,” short-term financial solutions typically designed for the time between paychecks. This article looks at the websites that offer the best short term loans in Australia fast. let’s dive

1. Gday loan

On the Gday loan platform, people who want to borrow money only need to fill out one application to get loans from top lenders. This online service introduces potential borrowers to the best Australian lenders who can offer them a loan of their choice at an interest rate of 199.43%.

Online applicants often receive their loan application response within three minutes. If you are ever in need of quick cash then you should not visit to apply for a payday loan with reasonable interest rates and terms.


  • The online application and approval can be done quickly
  • Same day payout
  • People can borrow anywhere from $300 to $10,000


  • To get a loan you must live in Australia

2. Pronto Paydays – Best for same day loans

Pronto PaydaysThe company that caters to people who need quick money gets fast and fast payday loans making it a great loan option during emergencies.

If you are considering a payday loan, make sure you understand how the loan works. Payday loans are usually small loans that you have to repay when you get your next paycheck. You may have to pay additional fees and interest.


  • They share important information quickly
  • Fast tracking of audit and compliance procedures
  • Analytics help people understand how things work.
  • A security deposit is not required.
  • The loan amount depends on the income of the borrower


  • Excessive interest rates
  • Less customer protection and less transparency

3. Viva payday loan

Viva Payday Loans, a reputable online lending platform in Australia, offers lenders the best payday loans up to $5,000 with considerate repayment schedules from 16 days to one year. You can still get one of their great loan offers even if you get help from Centrelink or have a low credit score.

For loans under $2,000, Viva Payday Loans have a 20% setup fee. Loans over $2000 have a $400 setup fee, which means the APR ranges from 20% to 199.43%. Viva Payday Loans also charge a fee of 4% each month.

Their application process is simple and after they have accepted your application they will require you to sign the contract form so that the money can be transferred to your account immediately.


  • They don’t need collateral to get their loans
  • The application process is easy
  • Even with bad credit, a loan is possible


  • They come with high interest rates

4. Fair Go Finance small loan

Fair Go is another good online lending service that has been around for a while and has gained the trust of many Australians. It connects people who want to borrow money with lenders who can lend them anywhere from $300 to $2,000 over 24 months. Your repayment schedule is based on your ability to pay, and there are no penalties for paying before the agreed time.

Fair Go does not discriminate against its customers, so you can get a loan that works for you even if you have a bad credit rating. But repaying the loans will cost you a lot, so you should think carefully before taking out a loan.

Also, they charge a 20% setup fee that you have to pay, mainly for loans from $18 to $400, and you have to pay their 4% monthly fee.


  • It offers a payback period of over two years
  • Loans up to $2,000 are available
  • They offer loans without collateral


  • They charge a fee of 4% every month
  • They charge a setup fee of 20% on the amount of the first loan

5. Fair Go finances

This online loan matching service connects borrowers with top Australian lenders offering loans ranging from $300 to $2,000 with terms ranging from 1 to 24 months. Unlike many fintech companies, Fair Go Finance allows customers to repay their loans early without any fees or penalties.

The best part is that this platform allows people with bad credit to get loans but they are not eligible for the 4% setup fee waiver. A monthly fee of 4% is charged for loans between $18 and $400.


  • Loan amounts range from $300 to $2,000
  • The platform sets up the payment schedule based on how often the customer gets paid
  • No collateral required


  • High interest rates and fees
  • The loan comes with high interest rates and monthly fees

bottom line

It is inevitable that at some point in life you will run into financial difficulties and need quick help. Fast loans can come in handy, but only if you take the right hurdles. The above payday loan options are the best alternatives if you are short on cash.

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