Payday Loans Australia – for as long as you need.

  • All Credit Types Welcome.
  • Same Day Instant Decisions With Cash Sent In 60 Minutes.
  • Repay On Terms That Suit You.

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The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%.


How it Works

Getting a loan with Pronto Paydays is easy. Simply complete your request and we’ll do the rest, hassle free.


Select loan amount

Select how much you need, you can request from $100 – $5,000.


Make application

Complete your request using our quick-form above, it only takes 2 minutes.


Recieve loan

If approved by a lender, you’ll receive your loan the same working day.

About Us

About Pronto Paydays

We help consumers find quick finance – whether you have good credit, or bad credit, we can help.

  • Quick cash loans from $100
  • No paperwork, no hidden fees
  • Almost instant online lending decision
  • Large network of lenders & alternative options

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Life’s good, isn’t it? But it can also be challenging. Especially when unexpected and emergency expenses crop up and your bank balance is dwindling at a rapid rate. You’re probably not entirely aware of how online loans can solve your financial problems. Most Aussies avoid them because they just don’t think they’d be approved for one.

Of course, you can’t ignore pressing expenses, but you also need to pay for the bills that maintain a sense of normality – you know, the electric bills, your mobile phone account, and putting food on the table. Currently, more people are living paycheque to paycheque than ever before, and luckily, the financial industry has had to make a few changes along the way.

In the past, banks dominated the lending space. Getting financial aid or any sort of bridging cash would involve a trip to the bank to grovel for an overdraft facility or possibly a payday loan. And if by some chance the traditional bank vaguely suspected you’d be able to pay, they would present you with a towering pile of paperwork to complete. Next would come to an exhaustive amount of prying questions, and then they would take several days to deliver an answer.  The days would be tense with pacing, worrying, nail-biting, and querying the outcome. And invariably, the answer would be “no,” because the qualifying criteria just weren’t everyday-Aussie-friendly.

All that has changed – the financial space in Australia is more primed to help the everyday Australian, which is good for you! It means we get to bring the best payday loans from leading lenders in Australia directly to you.

Easy loans at Pronto Paydays:

  • Amount: $200 to $10,000
  • Terms: Repay over up to 24 months

For those who need payday loans pronto, as in right now, we’ve got access to the best payday loans in Australia. Each of the lenders on our panel focuses on 1 hour loans, meaning you get approval on your application in a few short minutes and wait just 60 more minutes to get your cash.

The nature of payday loans is that they’re typically needed in a hurry. Financial emergencies don’t wait for tomorrow or next week – they happen now. And that’s why we’ve created an online application process that takes a few minutes to complete. Once you’ve submitted the application form, you’ll receive feedback within two minutes.

When we say that we have the best payday loans in Australia, we’re not kidding. Our short term loans, unemployed loans, 1-hour loans, secured loans, unsecured loans, and all other types of loans you can think of have easy requirements to meet and a quick turnaround to boot.

What Are Payday Loans & How Do They Work?

With so many lenders offering a plethora of payday loans to choose from, you might wonder what it is. What sets a payday loan apart from, say, a mortgage loan? payday loans often come in various shapes and forms. For instance, a payday loan or an unsecured loan is still a form of payday loan.

At Pronto Paydays, our definition of a payday loan is a small loan amount of $200 to $10,000 that’s acquired to cover payday expenses. A payday loan is most often used to pay for:

  • Credit card debt
  • Debt consolidation
  • Overdue bills (such as utility bills)
  • Medical expenses
  • Funeral
  • Vehicle repairs
  • Moving home
  • Home improvement and repairs
  • Wedding
  • Divorce
  • Vehicle financing
  • Family vacations

These are just the tip of the iceberg of what most Australians do with the funds from their payday loans.

Most payday loans are unsecured in nature, which means that there’s no collateral involved. There are secured payday loans available, where you can use a valuable asset to secure the loan.

How does it work? You simply decide how much you need to borrow, complete the online application, wait for approval, finalise the contract with the lender and then wait for the money to be paid into your bank account. payday loans are set amounts that are repaid over a pre-agreed term of up to 24 months. The interest you will repay when acquiring a loan through Pronto Paydays is 0$ on loans up to $2,000 and up to 48% annual interest on loans between $2,001 and $10,000.

Types of Payday Loans Australia at Pronto Paydays

At Pronto Paydays, we take the guesswork out of applying for loans. By simply completing our quick and easy online application form, you can gain access to any (and all) of the following types of payday loans:

Quick Payday Loans

Payday can seem so far away when you’re tight on cash. That’s where payday loans come in.  These loans are small loan amounts designed to be easily repaid on your next payday without having a detrimental impact on your finances. At Pronto Paydays, even though we offer loan amounts of up to $10,000, most of our payday loans range from $200 to $2,000. You must earn a minimum of $350 per week.

Payday loans are not ideal for borrowers who want to borrow more than $2,000 as they are specifically designed for smaller costs. The beauty of a payday loan of $2,000 or less is that it comes with 0% interest. The only costs involved are a 20% establishment fee and a 4% monthly service fee.

Another perk is that you don’t have to remember to pay the loan. The lender will set up an automatic debit so that the amount is deducted from your bank account – usually on the day your salary or wages are paid.

Instant payday Loans

When taking out a payday loan, you borrow a fixed amount that is repaid over several weeks to months. For example, at pronto Paydays, you can repay a payday loan of $200 to $10,000 over 24 months.  On payday loans under $2,000, there is 0% interest charged. On loans of $2,001 to $10,000, lenders charge any interest of up to 48% per annum. The charges depend on the lender, and many of the lenders we work with reduce their rates to keep their loan offers competitive.

If you had to compare payday loans and payday loans, you would notice that payday loans offer higher loan amounts and longer repayment terms. If you have an excellent credit score, you will be offered a lower interest rate than an applicant with a poor credit rating.  Much the same, you can get a higher loan amount and lower interest if you choose a secured payday loan, but that will require you to put up a valuable asset as collateral.

The asset that you offer has to be valued at the same or more than your requested loan. Because there’s less risk involved, secured loans are easier to get approved for than other types of unsecured loans. Of course, you still need to prove your income (at least $350 per week) and meet the other requirements.

At Pronto Paydays, our secured payday loans are typically paid off over 12 to 24 months, and most borrowers use the fund for buying a car, renovating their home, buying equipment, or going on vacation.

Easy Unsecured Loans

If you don’t have collateral, don’t worry. There are plenty of lenders who provide unsecured payday loans. These are typically small amounts that don’t need any form of collateral. Most unsecured loans are used as bridging cash to get through to the next paycheque or pay for emergencies. With an unsecured loan, the lender will take a close look at your credit history (although credit score isn’t everything) and compare your income vs. your expenses.

Several types of loans fall into the unsecured loans category, including student loans, payday loans, payday loans, and credit cards. At Pronto Paydays, we offer unsecured loans ranging from $200 to $10,000 with up to 24 months to pay.

Guarantor Loans Online

If you need cash pronto, but you can’t get a lender to approve your request, there’s always the option of a guarantor loan. These loans require a person who has stable finances and a good credit rating to agree to take on the cost of the loan if you default on your payments. This person will then sign as a guarantor on the loan, which acts as a form of security. With a guarantor, you can get a higher loan amount, depending on the financial standing of your guarantor.

Bad Credit Loans – Poor Credit History Loans

If you’re struggling to get credit and have been turned down by traditional banks because your credit score is letting you down, a bad credit loan is just what you need. Bad credit loans are just as ideal for low credit borrowers as they are for those who have no credit at all. In some instances, people with bad credit use a small loan to improve their credit rating. This requires paying the loan off on time and in full.

The term bad credit can mean many things. You are considered to have bad credit if:

  • You consistently miss payments or make no payments on credit accounts
  • You were previous bankrupt
  • You’re presently bankrupt
  • You’re 60 days or more late on a loan instalment

What’s great about bad credit loans is that they don’t punish you for having a poor financial past. The lenders involved are more interested in how you handle your finances right now. While not all bad credit loans require it, some may request a form of collateral or a co-signatory to secure the loan. At Pronto Paydays, you can get the quick cash you need right now without being confronted with piles of paperwork or complex, time-consuming application processes. You can apply in just a few minutes and get the cash you need in an hour.

No Credit Check Loans

If you know that lenders aren’t going to love what they find if they dig around your credit history, a no credit check loan may be the solution. As the name suggests, a no credit check loan requires no credit check for approval. Essentially, it’s a loan that’s approved on different merits. Instead of checking your credit history, the lender will assess your income vs. expenditure and spend some time confirming your monthly income. If you prove that you can afford the monthly repayments, you’re eligible for such a loan.

No credit check loans are small by design. They’re meant to serve as bridging finance for those who need help getting to their next payday. At Pronto Paydays, most no credit check loans range from $200 to $2,000, but some of the lenders on our panel offer higher amounts of up to $10,000 even to people who have a less than perfect credit score.

The repayment period can be anything from 30 days to 24 months, and there’s a fixed interest amount charged. Of course, there is no interest on loans up to $2,000 as per the Australian Securities and Investments Commission regulations. Loans of up to $10,000 come with varying interest rates of up to 48% per year. The biggest perk of a same day no credit check loan at Pronto Paydays is that it’s ready in your bank account within 60 minutes of approval.

Centrelink Loans – Loans for People on Benefits

If you’re on Centrelink benefits, it doesn’t mean you’re excluded from getting a payday loan when you need it most. Centrelink loans are designed for individuals who get a portion or all of their income from Centrelink. Of course, loan approval still rests on a minimum income of at least $350 per week.  Centrelink loans can come in various versions and may also be called benefits loans, pensioner loans, disability loans, and unemployed loans.

At Pronto Payday loans, our lenders consider each loan application on a case by case basis. Essentially, additional attention is given to the affordability of the loan to the applicant. If you’re earning Centrelink payments and your monthly expenses are low enough for you to afford to repay the loan instalments, you’re eligible to apply. Centrelink loans are not huge amounts of cash paid over the long term. Instead, these loans are small amounts typically ranging from $200 to $2,000, but some of the lenders we work with will allow larger loan amounts depending on your financial situation. Keep in mind that loans of $2,000 and below carry 0% interest.

Loans for Unemployed – Loans With No Job

If you don’t have a traditional job, it can be extremely hard to get cash in a hurry. Many traditional banks won’t even consider a loan application from an unemployed individual. Of course, being unemployed doesn’t mean that you don’t earn an income. You could very well make a living through other means. Some people offer casual services for cash payments. In contrast, others work as freelancers, only do part-time work, receive an allowance from family, get regular trust payments, have a property that generates income, or are on government benefits. Whatever the case may be, if you’re unemployed while still receiving some form of income, you’re eligible to apply for an unemployed loan.

Of course, unemployed individuals with a great credit score are more likely to receive approval and a lower interest rate when applying for an unemployed loan. That said, even those with poor credit are welcome to apply for this loan – many receive approval within minutes. At Pronto Paydays, our loans range from $200 to $10,000 with up to 24 months to pay.

Simple Self Employed Loans

If you work for yourself, it can seem like a financial minefield out there. Being a sole trader or running your own business seems to exclude you from getting credit from traditional banks. Some institutions see self-employed people as high risk, even if they generate a decent monthly income. For the most part, this is because proving regular income is harder when you work for yourself.

At Pronto Paydays, we understand the challenges self-employed people have, and as such, we make it our duty to match you with lenders that are most likely to approve your loan request. Getting a self-employed loan has never been easier. Complete the online application form and wait just an hour to receive the cash if your application is approved. And if you’re worried about how you’ll prove your income, here are some ideas:

  • Tax returns
  • Bank statements
  • Income statements

With the above list in mind, we’re confident that we can provide you with access to the best payday loans in Australia – and that’s because we work with only the most reputable Australian lenders.

Features of Payday Loans Australia

When applying for payday loans or payday loans Australia at Pronto Paydays, each loan shares the following features.

Loan Principal

The lenders we work with at Pronto Paydays, offer loan principals of $200 to $10,000. It’s advisable to scrutinise monthly income and expenses before deciding on how much money to borrow. Affordability of the loan amount should be at the forefront of your mind.

Repayment Terms

When applying for an online loan, you will find that repayment terms generally range from 60 days to 12 months. Of course, each lender has its own terms and will set a repayment term that specifically matches your affordability. The smaller the loan, the shorter the loan term, and of course, if you’re paying your loan back quickly, you will end up paying less interest as it’s charged monthly.

Schedule of Repayments

When applying for a loan at, you will be given some choice in terms of the loan term and how often you need to make scheduled payments. Most lenders will match repayments with the same dates that you receive your salary, wages, benefits, or other forms of income. You can set up weekly, fortnightly, or monthly repayments as required, and the lender will arrange an automatic debit to deduct the funds directly from your account.

Cost of the Loan

At Pronto Paydays, we work with lenders who are transparent when it comes to fees and charges. That said, you should always check your loan agreement for the costs before signing it. Also, make a point of asking about any hidden fees.

With all loans at Pronto Paydays, the fees are similar but can vary. There is only a 20% establishment fee and a 4% monthly fee on loans up to $2,000. Loans of $2,001 to $10,000 typically come with the maximum allowable annual interest rate of 48% and a $400 establishment fee. Of course, some of the lenders we work with wish to remain competitive and reduce that rate to cater to borrowers’ affordability.

Some unexpected expenses to be aware of include the following:

  • Early settlement or early exit fees
  • Missing payments or paying late
  • Debt collection costs if you default on the loan

Choosing the Best Online Loans – Reputable Lenders

Reputable lenders are the foundation of our brokerage. We work alongside some of the best lenders in Australia, all of which pride themselves on transparency and responsible lending.  Still, we encourage all borrowers to take the time to read through each section in the loan agreement just to ensure you’re aware of all the fees, terms, conditions, and policies. You know you’re dealing with a reputable Australian lender when:

  • The lender has a valid credit license
  • There are good online reviews for the lender
  • The lender readily shares contact information with you
  • The regulations set out by the Australian Securities and Investments Commission are adhered to

1-Hour Payouts

The lenders that we work with won’t keep you waiting around for the cash that you need. Instead, once the loan is approved, you wait just 60 minutes to get the money in your account. If there is a delay for some reason, the money is usually made available to the borrower by the next business day.

Advantages & Disadvantages

All of the loans on offer at Pronto Paydays are provided with various advantages. Check out the advantages and disadvantages below.

Advantages of Same Day Loans

· Quick  & Easy to Apply for a Loan

Applying for online loans has never been easier. With one simple online application to complete, there’s no reason to leave the comfort of your home. Apply for a loan at home, work, college, or even when out and about doing chores. All you need is access to the internet. It’s that quick and easy.

· Loans up to $2,000 have 0% Interest

All the lenders on our panel adhere to the Australian government regulations in place that cap the amount lenders can charge on payday loans. For instance, loans up to $2,000 have no interest and only carry a 4% monthly service charge and 20% establishment fee. If you just need bridging cash or a short term cash advance, this can help you save money in fees.

· 60-Minute Payout

When applying for a payday or payday loan, the chances are that you don’t have a lot of time to wait around for the cash. At Pronto Paydays, the lenders we work with know that you need the cash in a hurry and do everything they can to pay out the loan within just 60 minutes of approval. However, some delays can occur if you apply late in the day, outside business hours, or on a holiday or weekend. In such instances, the cash will be paid out on the next business day.


· The Expense

It should come as no surprise that payday loans, instant cash loans, and similar come with higher interest rates than you can expect from the local bank. Still, the convenience to individuals who cannot get a bank loan or don’t have time to wait around is invaluable.

Eligibility Criteria for Payday Loans at Pronto Paydays

To get a loan through Pronto Paydays, ensure you meet the following criteria.

  • Australian citizen (or registered permanent resident)
  • Australian residential address
  • Mobile phone number
  • Valid ID (driver’s license or Medicare card)
  • Income of at least $350 per week
  • More than 50% of income from non-Centrelink sources
  • Proof of income (payslips, bank statements)

If this sounds like you, go ahead and click the “Get Loan” button to start the process!

Applying for a Loan at

Now that you have a greater understanding of the loans on offer at Pronto Paydays, it’s time to get the application process started. Here’s how to do that:

Step 1: Get Your Documentation in Order

The lenders we work with will need to verify your application details using your provided supporting documents. Before you start the application process, have these documents ready. This will help speed up the process. This is what you will need:

  • Identification
  • Utility bill or rental agreement to prove your physical address
  • Payslips, bank statements, or income statements to prove your income

Step 2: Click “Get Loan” & Complete the Online Form

Clicking “Get Loan” will present you with an online form that you need to complete. First, select the loan amount and requested term. Be realistic here. Over-asking could get you a “no” from the lender. Then, set to work filling in your payday particulars. The form will need your name, telephone number, address, ID, and banking details. It will also need information on your employment and a list of your monthly expenses to compare with your bank statements and your income amount. Being able to afford the loan’s monthly instalments is important to the lender. Before submitting the form, read through the privacy policy and terms and conditions.

Step 3: Get an Answer in Just Two Minutes

Once you submit the form, you only have to wait two minutes to get some feedback. If one of the lenders on our panel accepts your request, you will be directed to their website to finalise the setup of the loan.  The lender may be in contact via telephone or email if further information and documentation are required. This is also a good time to talk about the terms of the loan and ask any questions that you might have.

Step 4: Sign the Loan Agreement

When the lender has all the required information, they will send a loan agreement directly to you to review and sign. Read the entire agreement, paying special attention to the following:

  • Additional fees (early and late payment penalties)
  • Scheduled payments
  • Terms and conditions

When you’re comfortable with the contract, sign it and send it back to the lender.

Step 5: Get Cash in Your Account

Now that the lender has your signed loan agreement, all that’s left to do is wait. Most payments take just 60 minutes, but it can take up to 24 hours in some instances.


Frequently Asked Questions

Q: What is the Max Loan Amount for People with Bad Credit?

At Pronto Paydays, we offer bad credit loans to individuals with less than perfect credit scores. Our bad credit loans range from $200 to $2,000, which you can pay back in a few weeks. In some instances, you can get a larger loan – some of the lenders we work with offer loans up to $10,000 with 24 months to pay.

Q: Will My Credit Profile be Negatively Affected by a Payday Loan?

Receiving a payday loan or any other type of short term loan cannot negatively impact your credit profile unless you handle your account irresponsibly. Missing payments or consistently paying late can have a negative impact on your credit history. Because of this, we always recommend only borrowing what you know you can afford to pay back.

Q: Does Pronto Paydays Offer Loans to People on Centrelink?

Yes, at Pronto Paydays, we don’t discriminate against people on benefits. If you wish to take out a loan on Centrelink payments, you must prove that more than 50% of your income comes from sources other than Centrelink, and you must earn at least $350 per week.

Q: What is the Typical Loan Approval Time at

At Pronto Paydays, the entire process is quick. It takes just a few minutes to complete the online form, two minutes to receive approval after submitting the form, and 60 minutes to receive the cash.

Q: Can I Use My Car to Increase My Chances of Getting a Loan?

Yes, you can use your car as collateral. Many of the lenders on our panel offer secured payday loans. These loans require an asset valued at the same or more than the requested loan amount. You still need to prove your income and meet other loan criteria to take out a secured payday loan.

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