Obtaining your loan

Unexpected bills arise all the time, and sometimes you can easily find yourself short of cash to cover them before Payday. We are here to help.

You can get up to $500 paid directly into your account.

  • No charge, quick and easy online application
  • You can select your repayments.
  • No fuss, fast approval process.
  • Need it fast? Get same day funding for loans approved before 3:45 p.m.
  • No need to worry about bad credit. All applicants are considered and we have a high approval rate.

We assess your needs, income and expenses to personally tailor a loan to suit you.

For peace of mind, contact us today

To complete our easy online application form, click Apply.

Prefer to speak to one of our consultants? Phone 1300 88 23 24

Details We Will Need

In order to process and approve you loan we will require:

  • Your personal details
  • A recent bank statement

Our safe technology is there to help you gather this information in an efficient and secure manner.

Your information is accessed strictly with your permission only, using our highest security.

For multiple bank accounts receiving income, you must provide 90 days of statements for each account.

Repayments

Setting your repayments is simple.

Compared with other loans, we offer small short term loans, which can generally be repaid over a shorter time period.

The majority of our loans are typically repaid over 4 to 8 weeks.

Repayments are set on an individual basis to occur in time with your pay cycle, and at a rate which is compatible with your income and capacity.

We keep you well informed every step of the way through regular reminders on the days your repayments are set to be debited from your account. If for any reason you believe the payment can’t be met on your Payday, contact our friendly support team.

Our aim is to help your budgeting by making your repayments predictable and effortless.

We value our returning customers, and aim to make your returning experience even easier, by securely retaining your previous information.

Just call us or use the client portal.

Information about Payday Advances

A Payday Advance is a small loan with repayments set to run in time with your pay day.

Being an easy, and fast method of receiving small amounts of cash make Payday Loans extremely popular in Australia.

Making repayments correlate with your pay day makes it easy to repay your loan on time every time.

Want to know what your repayments and total payable on a Payday Advance will be?

By analysing your bank statement to approve your loan, we are able to offer a service which is quick and easy. With an application taking only minutes and a response time in less than an hour, you can stop worrying and get on with life.

Fees

Interest is charged at 5% of the loan amount.

Fees charged are dependent upon the optional service you select.

For Financial supply fees and account keeping fees, see table below

  • 1 payment loan 35% of loan amount
  • 2 payment loan 45% of loan amount
  • 3 payment loan 60% of loan amount
  • 4 payment loan 75% of loan amount
  • 6 payment loan 95% of loan amount
  • 8 payment loan 115% of loan amount
  • Account Keeping Fee $4.95 per week

Please consider your income and budget when deciding on a loan.

Example Payday Advance:

Anne is currently employed netting an income of $400 per week.

An unexpected bill has come up leaving Anne short $200 so she applies for a Payday Advance of 4 weekly repayments, with the initial payment to be made in 9 days.

Here is a breakdown of Anne’s Payday Advance

Principle (Amount Borrowed): $200

Interest: $10

Financial Supply Fee: $150(75%)

Account Keeping Fees: $19.80

Total Owing: $395.80

Repayments: 3 X $95, 1 X $94.80

If your repayments are made on time, you won’t need to pay further fees or charges.

If you think for any reason you can’t make a repayment on Payday, contact our Support Team.

Our job is to help you in advance to make your repayments predictable and painless.

If you do happen to miss a repayment, you can make a direct deposit or set up a new Direct Debit to avoid extra costs.

Other fees

Click Here to view our full tables of fees as well as our Disclosures and Authorisations.

All repayments are made in equal instalments on the dates your income is deposited into your account.

Direct debits attract a small fee of $2.50. This fee is charged by Integrapay our third party provider and IS NOT included in your loan repayments or interest.

Credit history

Our customer base varies from employed to those on Centrelink payments, who have a steady income, and can afford their repayments. We ordinarily do not perform credit checks

Our clients are approved based on an assessment of their bank statement.

We offer Payday Advance loans up to $500 with our average loan being repaid over 4 to 8 weeks

Occasionally we may require more information for first time clients, however once we have your information this process become significantly quicker.

All we need to get started is a copy of your bank statement, displaying your income and ability to meet repayments. It also ensures we have the correct details to deposit the cash into your account.

For multiple bank account receiving income, it is essential to provide 90 days of statements for each account.

If you don’t want to apply online, please call us.

The sooner you contact us, the sooner we can help you.