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A Quick Guide To Searching For Payday Loans

When You Need Emergency Funds

Payday loans are the ultimate go-to when you are in a need of cash to settle a financial emergency as everyone wants guaranteed cash now, although unfortunately there is no such thing as guaranteed payday loans and anyone offering this would be wholly irresponsible. Emergencies can be very tough especially when they happen in the middle or end of the month. You may have planned for a financial disruption but the truth is, financial imbalances are uncontrollable and at some point, you may be facing a lack of money. 

However, these situations don’t require a large amount of money to sort them, so you dont need to take a large loan that will need collateral. Also, the collateral-based loan can take time and not ideal for a financial emergency. That’s why SameDayLend is here for you, we may not guarantee that your loan application will be approved until we have conducted our quick assessment but from our large panel of lenders we may still be able to provide the finance you are looking for. This post is going to provide you with all the necessary information that you need regarding guaranteed payday loans no matter what Australia and what to look out for when companies offer guaranteed payday loans.

Guaranteed Payday Loans

What Exactly are Payday Loans?

Loans or Payday loans are also referred to as cash advance loans, salary loans, Instant Approval Loans, payday advance loans, payroll loans, same day emergency loans, they are all a form of short term loans and our lenders offer the majority of these, they do not however offer guaranteed payday loans. These types of loan do not require any collateral, it uses your job and employment status as collateral for a loan. Typically, the loan amount for this type of loan is between $50 to $5000, which is often enough to sort you out of an emergency financial situation or provide you with the needed time to get a larger amount personal loan. 

Keep in mind that the amount you can access is not guaranteed and would vary from lender to lender and sometimes according to location. In Australia, payday loans are under the Small Amount Credit Contracts (SACC). For most companies that offer payday loans, the maximum amount they offer for this type of loan is $2,000. The repayment period may take between 16 days to 12 months with the cost increasing per month. Some of our lenders have given us some insight below.

Commonly used names for payday loans Other names for payday loans
Cash Advance Loans Salary Loans
Payday Advance Loans Payroll Loans
Small Amount Loans Small-dollar loans. 


How A short term Loan Is Different From A General Bank Loans. 

There are different ways a payday loan is different from a personal bank loan, they include the following;

  • Payday loans must be repaid in a matter of a few paydays, while personal bank loans may spread over years. 
  • The maximum amount you can get for Payday loans ranges from $1,000 to $2,000 but a personal bank loan will consider your credit score to give you a higher loan amount. 
  • Sometimes, payday loans don’t solely consider your credit score, because most lenders that offer Small Amount Credit Contracts may not do credit checks. 
  • Personal loans are majorly accessed from banks, while payday loans can be gotten from multiple small loan businesses.

The most notable difference is that in the case of a personal loan, most times you need to have a good credit score or must be able to provide collateral while payday loans do not take into account your credit history. So, payday loans are faster and quick enough to get you through an emergency financial situation. 

Who Qualifies To Apply for Guaranteed Loans. Credit Australia.

No one qualifies for a guaranteed loan as they do not exist. Although, payday loan processing is often easy there are still requirements that you need to meet, for your loan to be approved. Depending on your location and lender, your loan terms may differ, however, there are general requirements you need to meet for a payday loan, they include; 

  • The borrower must be at least 18 years old. 
  • You must be able to provide proof of payday income, that is you need to have a paid job or a regular source of income. 
  • Loans are not available for new accounts. Your account must be active and have a record of transactions of at least a few months before. 
  • You must have a valid phone number
  • You should have government-approved means of identification
  • For some countries, you may be required to provide evidence of your age to be eligible for a loan 

Are There Any Limitations To what direct lenders can offer?

Generally, everything has its drawbacks, same can be said for payday loans. They have their benefits but they also have limitations which you should know, some of them are as follows; 

  1. Interest Rates; payday loans offer higher interest rates and fees compared to general personal loans. 
  2. Amount and Duration; Payday loans don’t require any collateral, so they have lower amounts and short duration for repayments. That is why you cannot depend on them except to cover urgency and the waiting time before you can get a bigger loan. But since the loan is based on your job type, your situation may not end up bad. 
  3. Our lenders cannot offer guaranteed loans as this would be irresponsible


Guaranteed Payday Loans, what’s the deal?

Need money now? You’ve come to the right place! Our company offers range of short term loan products but not guaranteed payday loans and anyone offering these, you should stay well clear from.

We make the process easy and affordable so you can get your money as soon as possible, without any hassle or delay whatsoever whilst our lenders carry out the necessary due diligence. All our services are 100% online, so no waiting around on hold just because someone else says they’ll call back later than expected.

Do we offer a guaranteed payday loan in Australia?

No we do not and whilst there is no such thing as guaranteed approval for payday loans in Australia, online lenders offer other loan products  to borrowers. They’re fast and convenient for short-term borrowing when you need it most and we’ll carry out affordability checks so we know you can pay the loan back without stretching yourself

We make sure that your cash loan is affordable before assessing it, this ensures we do not lend you money that you cannot comfortably pay back.  Giving both you and our lenders peace of mind.

What Are The Application Process And Charges of a payday loan?

if you are searching for guaranteed payday loans no matter what Australia then please stop as there is no such thing instead type in SamedayLend  and we will search from our reputable lending companies to offer you a short term loan product that suits you best. You need to follow the following steps for this part; 

  • Look out for the payday loan providers that are closest to you and compare their interest rates and other costs.
  • Try and use and online broker as they tend to work with a large panel of lenders.
  • Browse their website for an online application form or visit their office to fill the form. 
  • Complete the form with verifiable information, if possible and where relevant provide all the proofs
  • Submit the completed application form, wait for it to be approved. Usually, the waiting period is between 15 minutes to 20 minutes, this also depends on your lender and the location.
  • After approval, you would be asked to provide all relevant proofs for documentation such as proof of income, identity, age, and others. You will have to wait for them to be verified. 

After verification of your documents, your loan should be ready as soon as possible, the lender will transfer the money and you can access it in your bank account.

Bad Credit Payday Loans

What Are You Waiting For? Get Approval Today! Get a loan.

Payday loans are generally lifesavers and can be used to help you out when you face tight emergency financial situations. Here are some advantages of payday loans to you and how our lenders can help you:

  • It is the perfect option for emergencies because it has a quick processing time, no waste of time, typically within 24 hours. 
  • Often, instant cash loans online don’t consider your credit score, so with a poor credit score you can still apply and be approved for a loan
  • You don’t have to provide any guarantor or collateral
  • Since payday loans only consider your salary, even if you are still paying a bank loan you can apply
  • You can access payday loans in a matter of 24hours, the loan application and processing is fast and without stress if you follow the proper steps
  • This loan is not dependent on the reason for taking out the loan, you can use it for almost anything including utility bills and grocery shopping, our lenders will make a quick decision on your profile

The benefits of payday loans make it an attractive option, you should consider payday loans if you need some help with cash, however please be mindful loans guaranteed to do not exist along with no credit check loans guaranteed Australia, so always do your homework.

However, you should keep in mind that before you continue to apply or take out any form of credit, you must consult with a counsellor or a professional financial advisor. 

Why Are Payday Loans Not Guaranteed and do we need them? 

At SameDayLend, we always operate in line with professional guidelines. One of the responsible guidelines is that our payday lenders cannot guarantee approval for a loan application before we conduct a proper assessment on such an application. To make sure that we are responsible for offering our various loan services, we conduct a proper and adequate assessment to determine the financial situation of the borrower and ensure that the loan is exactly what the borrower needs and they can pay it back comfortably. 

To ensure that we conduct a full assessment, we make several inquiries about the applicant’s financial situation, among these inquiries, are;

  • We will get at least 90 days of applicants’ bank statements as required by the law. These statements come in a read-only digital copy, this helps us to also determine an individual’s identity and not just their present financial situation. 
  • We will inquire into the applicant’s current income, their expenses, and their employment status, we will want to know the reason why they want to take out the loan and the period required for them to pay it back.
  • We also conduct a credit check to know more about the applicant’s credit history.

Before our lenders can offer a certain loan amount, we will first calculate all general expenses including living expenses, other commitments like other loans, and credit card payments. We do this to make sure that the customer has enough leftover income to be able to afford repayments. 

We use advanced technology to hasten many of our processing procedures, which makes the application easy and quickly completed without errors as our lenders are responsible This also enables us to avoid putting anyone under financial stress by offering them a same day cash loan that they can’t afford to pay back. (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316). is not a lender and does not make credit decisions. matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. 

Consumer Advisory: SamedayLend is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

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