Payday Loans

Payday Loans, or Fast Cash Loans are one of the easiest and quickest way to borrow anything between around $100 and $600. They are especially useful in an unexpected or emergency situation – something which could happen to anyone, anytime when money is not as available as you might like! For instance, you might suddenly have to pay a pricey dentist bill or your car becomes damaged – anything which requires immediate payment. The payday loan can come to the rescue, with many providers offering cash in your hands within the next 24 hours.

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Payday Loans get their name because they are designed to tide you over until your next pay day. As such, they are a short term type of loan. In other words, the loan term is usually between 2 weeks and 31 days. Therefore, you will need to make sure you are ready to pay the loan back pretty quickly. The terms for a Payday Loan are usually pretty basic – you might need some form of job (you will need to provide proof of this) and be a full Australian resident. Use the table below to compare Payday Loan offers.

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COMPANY	TYPE	APR	LOAN AMOUNT	TERMS	SUITABLE	ID REQUIRED	MORE INFO
Dollars Direct	Broker	Ask on application	Up to $1500	You must be currently employed for over a month, be at least 18 years old and have an active bank account.	For occasional, urgent and short-term cash needs	Driving Licence number and Passport number
Dollars Direct	DollarsDirect try to provide you with a solution to meet your immediate money needs. They are finance brokers, who use their panel of lenders to find appropriate online cash advances that are a quick and easy solution for covering emergency money needs. You can complete the simple, hassle-free online application form in minutes and the cash advance will be deposited directly into your bank account the next day. DETAIL INFORMATION >>						Services Services 1. The maximum loan amount for Australian residents will be $1500. 2. Your loan will be due on your next payday that falls between eight and 40 days away. If your pay dates fall outside of this range, your loan will be due in 14 days. Restrictions Restrictions 1. You must have an active bank account 2. You must be currently employed for over a month 3. You must be a current resident of Australia. Residents of Western Australia and the Australian Capital Territory are excluded. 4. You must be at least 18 years of age Advantages Advantages 1. You can receive $50 if you refer a friend. 2. Dedicated customer service. 3. You can borrow up to $1,500. 4. No need to fax extra paperwork. Disadvantages Disadvantages 1. DollarsDirect charges you $25 per $100 borrowed. 2. Lenders typically charge interest of up to 24.00% per annum. 3. Short-term loans should be used for short-term financial needs only, not as a long-term financial solution.
Cash Doctors	Lender	Ask on application	$600.00	You must earn a minimum of $350 per week net (after tax), you must be in full or part time (receiving holiday and sick pay)employment and you have been employed for at least 3 months.	For occasional, urgent and short-term cash needs.	Name, address, phone numbers, employer and income
Cash Doctors	Cash Doctors gives you instant cash relief of up to $600 within 60 minutes. It is easy to apply online and only takes 5 minutes. Your first cash advance costs just $2.00 but after that a $45.00 fee applies. After this it is $29.00 a week for each week you have an outstanding balance. DETAIL INFORMATION >>						Services Services 1. Apply online - this only takes 5 minutes. 2. Instant cash relief. Restrictions Restrictions 1. Cash advances run for no more than 42 days. Advantages Advantages 1. Fast payment - within 60 minutes for new clients and costs just $2. This includes a free debit card. 2. Members are paid 24/7 in seconds. 3. Repayment is hassle free - coming out of your bank account automatically on your next payday. 4. No paperwork or face to face meetings. 5. The team is available on the phone and live online help. Disadvantages Disadvantages 1. Each time you take a cash advance of any amount, a $45 fee applies. 2. Then it is $29 a week for each week you have an outstanding balance
RedHouse Financial	Broker	Dependent on lender	Up to $1,500	You must be at least 18 years old, employed and receive a regular paycheque or salary.	Emergency cash needs.	Initially only personal details.
RedHouse Financial	RedHouse Financial provide short term loans that can be used to cover urgent expenses, to take a holiday or top up your monthly income. The application procedure is very simple and does not take more than 5 minutes. RedHouse financial provides consumers with access to a select number of top payday loan providers instantly. DETAIL INFORMATION >>						Services Services 1. Online application. 2. No fax, no fuss Restrictions Restrictions 1. Have a bank account that accepts direct debit 2. Are at least 18 years old 3. Are employed and receive a regular paycheque or salary 4. Live in Australia Advantages Advantages 1. Instant Approval. 2. Same day cash in your account. 3. No fax, No fuss Disadvantages Disadvantages 1. Average first time payday loan amount varies between $185 to $200. 2. There is a Loan Administration fee of $1 and a Broker fee of $28.98 for every $100 borrowed. 3. Payday loans are not a solution for long term financial problems.
PayDay Finder	Broker	Dependent on loan provider	Up to $1,000	You must be at least 18 years old, an Australian resident, employed and have a checking/savings account.	For people who don't have credit cards or savings accounts	Your details, contact information and employer information
PayDay Finder	PayDay Finder provides you with cash you need for overdue bills, emergency repairs and late rent or car payments. Once approved, your payday loan can be deposit straight into your account in 24 hours or less. To qualify you must be 18 years of age, an Australian resident and have a checking/savings account. DETAIL INFORMATION >>						Services Services 1. Emergency Cash For Any Purpose 2. Quick, Easy, & Confidential 3. Hassle Free Process 4. Free to Apply Restrictions Restrictions 1. You must be 18 years of age 2. You must be an Australian resident 3. You must be employed 4. You must have a checking/savings account Advantages Advantages 1. Get up to $1000 Approved Instantly. 2. Apply in Minutes, Cash in 24 Hours 3. Free to Apply, No Obligation 4. All Applications Accepted 5. Poor Credit, No Worries Disadvantages Disadvantages 1. Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. 2. You have to apply to find out fees.
Payday Gold	Lender	Ask on application	$100-$1000	You must be 18 years old, live in Australia, be regularly employed and have a current and valid account	For occasional, urgent and short-term cash needs	Personal, employment, contact and bank information
Payday Gold	PayDay Gold provides payday loans up to $1,000. You can easily apply online and as soon as you are approved, cash will be deposited directly into your bank account. Your loan will need to be repayable on your next payday up to 31 days away. Payday Gold loans are especially useful for those with poor credit or those who do not wish to undertake a formal and lengthy loan agreement with a bank. DETAIL INFORMATION >>						Services Services 1. Payday Loans 2. Online application. 3. Automated reminder email two days prior to their repayment date. Restrictions Restrictions 1. You must be 18 years of age 2. You must live in Australia 3. You must be regularly employed 4. You must have a current & valid account Advantages Advantages 1. Complete online application and get approved in secounds. 2. Funds will be deposited into your bank account the same day or overnight. 3. Quick approval 4. 100% online 5. Confidential and secure Disadvantages Disadvantages 1. The real expense and debt trap for payday loans is when you rollover or extend your loan multiple times. 2. You have to apply to obtain their fees and charges.
Purple Payday Loan	Broker	1355%	Up to $1,500	You must be 18 or over, in full time employment earning $1500 per month or more.	Emergency cash needs	You will need a bank account that accepts direct debits and they are required to prove your identity
Purple Payday Loan	Purple Payday offers you fast and simple payday loans of up to $1,500 which are usually taken over a period of less than 31 days. The application process is completely online and Purple Payday accept a greater percentage of applicants than any other Payday lender. DETAIL INFORMATION >>						Services Services Payday Loan Services Restrictions Restrictions You must be over the age of 18 years old and earning over $1,500 per month. Advantages Advantages 1. Fast application 2. Confidential 3. Nothing to fax 4. No hidden charges 5. Same day money 6. Friendly reliable service. Disadvantages Disadvantages 1. They charge $25 for every $100 you borrow. 2. High APR. 3. You have to earn $1,500.