Payday Loans Online

$50 to $5,000 paid out today!


100% No obligation loan quote


Get your cash in 60 minutes once accepted*


We don’t credit check or charge any fees†

Fast 3 to 36 month online loans.



Short term loans online— What exactly are they?

Payday loans online are credit instruments, usually offered at a smaller amount which a borrower can use to cover unexpected expenses and just as the name suggests, will then get repaid on the next payday. Taking out a loan before getting a paycheque is a common practice among those that run into sudden expenses just to make sure that they are covered until the day they will finally receive their wages in their bank account. For instance, you could be faced with an emergency medical bill and a payday loan can be used to cover that, especially when you haven’t any extra funds saved up.

Circumstances surrounding payday loans online

There are numerous reasons that will compel a person to take out a bad credit loan. What’s great though is that at Samedaylend, we will never pry. All you need to tell us is how much exactly what you need. How you intend to use it is none of our concern.

Samedaylend can make it easy for you to find the right lenders that will offer different types of payday loans that will be appropriate for your specific needs and circumstances. Whether you intend to use it for an emergency car repair or cover bills that have been piling up, you have absolute freedom on how you will spend it. Our role would be to find lenders that can offer you a short term solution to your financing woes so you will get to make ends meet until at least your next paycheque.

There are a number of payday loans that are available out there. This ranges from emergency cash loans to payday loans. Regardless of the type of payday loan you need, Samedaylend will be your reliable partner at finding the right one.

Need a loan today? Apply online!

Payday Loans Online

No credit check payday loans online

Worried about your less than impressive credit history? Concerned over how you’ve never had any borrowing history at all? We’d be more than happy to locate lenders that will offer no credit check payday loans. This does mean that you will be hit with a much more expensive interest rate but these loans will at least ensure that approval will not be dependent solely on your credit score. This gives you a much better chance at successfully getting a lender’s thumbs-up despite your bad credit or your lack of credit history.

At Samedaylend, we try to accommodate everybody as best as we can. This is why we never turn anyone away and will do what we can to facilitate access to payday loans that do not require credit assessments for unemployed customers, Centrelink recipients, as well as those with poor credit history. We’re not here to judge. We’re just your friendly neighbourhood lender locator that will help locate a lender who will be more than happy to find the right lender offering the right payday loan for you.

Small online payday loans

In some cases, all you need is a little cash boost to cover whatever fund shortage you are experiencing. For situations like these, small online payday loans would be the most ideal.

It is quite common for payday loans to be available in smaller amounts. This means that they would not be ideal to be used for larger purchases. What they are ideal though is for covering emergency expenses.

Our team of payday loan specialists can help you find the right payday loan from the right lenders today.

Payday loans online for unemployed borrowers

Being in between jobs can be quite stressful. This can definitely put a lot of strain on your finances, especially if you haven’t really saved up that much for rainy days. Your bills and expenses aren’t just going to be on pause too just because you are currently not earning anything. Unfortunately, your current state of being unemployed would likely mean that banks will likely not lend to you.

Our team of specialists at Samedaylend is well-versed in pairing unemployed people with the right lenders offering the right payday loans. With this, you can at least be sure that you will stay on your feet financially while going through such a life-changing transition.

In most cases, all you really need is some extra cash to help you get by until you finally get that job offer you’ve been waiting for. If you’re in such a situation, don’t hesitate to get in touch with us right away about getting access to payday loans online for unemployed borrowers.

Bad credit online payday loans

We’d be more than happy to help you get access to online payday loans intended for bad credit borrowers. Payday loans like these will still take the current state of your credit rating into account but it isn’t going to be held against you and hence, will not be the sole reason for disapproval.

If you’re looking for small amount payday loans intended for bad credit borrowers, it’s crucial that you don’t just randomly apply for any potential lender left and right. If anything, you have to work towards minimising your loan applications and rejections. Always remember that lenders can see recent applications you have made and will likely take it against you if they will see that there have been a string of loan applications and rejections on your record. This can be considered a sign of desperation on your part. With the help of our loan experts, however, you can trust that they will lend a helping hand at fast-tracking your loan approval.

Same-day online payday loans

If you’re looking for a cash loan asap, this is usually because you can’t really afford to wait several days before you can access your funds. With Samedaylend, it is possible to get your loan application approved on the same day that you have submitted the application. If you get the loan approved before 5pm AEST time, same-day access to your funds is possible.

What’s good with same-day online payday loans is that they come with the convenience of allowing you access to your cash quick. This means that whatever stressful financial situation you are dealing with can be eliminated fast. If you have a debt that needs paying off then you can do so sooner.

Just get in touch with us today and we’ll help arrange a payday loan for you as quick as we can

Online payday loans for Centrelink recipients

Have you been turned away by banks and other traditional lenders because they don’t regard Centrelink as a regular form of income? These things happen all the time. It can be quite a frustrating experience trying to get approved for a loan when you’re on Centrelink.

While it is not always easy to locate a lender who is willing to consider your Centrelink benefits as a regular form of income, it isn’t totally impossible. Get in touch with us today and we will help locate lenders that will be willing to offer you a payday loan despite being on Centrelink.

Payday loans— How does it work?

When applying and getting approved for payday loans, you can expect the cash to be sent to your bank account quickly. This makes it an ideal route for those that need something urgent to cover, especially those unexpected emergency situations. The loan’s repayments are set up in a manner that will correspond to your next payday so paying what you owe is going to be convenient and easy. With this, it will be easy enough for you to get access to funds that will help tide you over until you get your next paycheque.


The easy approval payday loans that our lender partners offer do come with certain fees. All these details will be communicated to you by the lender you will be paired with to ensure that you have a good grasp of what you’re signing up for.

Online Payday Loans

Repayments for payday loans

Repayments for payday loans will be set up in a manner that is convenient for you. In most cases, it will be arranged where it just gets automatically deducted off your bank account on the day you get your paycheque. This prevents you from forgetting when your due date is, as well as prevent you from getting subjected to late fees and other potential penalties.

In the event that you are unable to make the required repayment come the due date, always make it a point to get in touch with your lender as they may be able to lay out some potential options for you.

What do I need to do to sign up for payday loans?

While we are unable to offer guaranteed approval online payday loans, our lender partners are known for having a high approval rate. They also welcome most applicants from all walks of life and from all types of financial background.

When applying for payday loans through our platform, you won’t need to go through a whole host of cumbersome processes where tons of paperwork is involved. All we require is for you to provide us with your basic personal details and also copies of your recent bank statements and that’s it.

Apply for online payday loans today

With Samedaylend, it is possible to take out up to $5000 which is then directly deposited into your bank account. Just complete our streamlined application process online, decide how much you want to borrow, choose your preferred repayment option and just wait for the application to get approved. We also have a good approval rate so the chances of you getting the green light for your approved online loan application are high.

Your application will be assessed by our team of payday loan experts to ensure that we will get you paired with a lender that offers a loan that totally meets your needs, the income you’re earning as well as your regular expenses. With this, we will be sure that we can deliver you a loan that is perfect for your specific circumstances.

When signing up for an online payday loan via Samedaylend, expect to skip the usually cumbersome application process you are likely to get subjected to by other brokers. With us, expect that there will be:

  • No waiting in line
  • No hold time
  • No waiting for several days just to get approved
  • No long wait for the funds to get transferred to your account

If you’re looking for the easiest ways you can borrow money and get access to extra funds, payday loans would be perfect. Send your application to us today and take advantage of the wide range of payday loan providers within our network.

FAQs on online payday loans

Can your credit score get affected by payday loans?

Just like any type of loan, payday loans should have a neutral effect on your credit score. If you end up failing to get it repaid on time, however, then it is definitely going to negatively impact your credit rating. However, making sure that your payday loan is paid promptly can have a positive impact on your credit score. This is, after all, a demonstration that you are a responsible borrower and that you can be trusted to manage your debts and finances responsibly.

Do note that sending out several applications for small loans within just a short period of time isn’t going to look good on paper. It doesn’t even matter if all of these applications got approved or rejected. These loan applications are going to be reflected on your credit history and this might look like you’re financially unstable when viewed from a lender’s perspective.

How long are payday loans going to stay reflected on my credit file?

Information on your payment history can stay reflected on your credit report for 2 years, However, credit enquiries can stay longer in your record. In most cases, they will stay in your history for 5 years. Credit enquiries are the assessments lenders make when assessing your loan application so they can check your credit rating.

Is it possible to take out 2 payday loans at the same time?

This may be possible but it all depends on the lender. However, even when you may be allowed to take out two payday loans at the same time, we always advise against it as it is more prudent to pay off any existing debt first before taking out a new one. With Samedaylend, you will first need to pay off your previous payday loan before you will be qualified to apply for a new one. If you wish to apply immediately after you have paid off your current loan, feel free to do so.

Are there payday lenders that will not carry out a credit check?

Yes. Several of the lenders within our network that offer payday loans will make a decision on a loan application based not on your credit score but on your bank statement instead. So, if you’re worried that your bad credit score may get in the way of accessing emergency funds via payday lending, you can be rest assured that it will not be the case at Samedaylend.  

What are the interest rates on payday loans?

How much you will get charged for a payday loan will depend on a number of factors. This includes the size of the loan, the terms of the loan and the length of time it would take for you to pay it off. It’s common for payday loans to come with considerably high interest rates. This is mainly because these are high-risk loans and hence, lenders charge higher loan rates as a way of offsetting these risks.

What happens if I fail to pay off a payday loan?

With Samedaylend, we always advise borrowers to get in touch with their respective lenders in the event that they are unable to get their dues paid on time. They will be more than happy to help to find ways to accommodate your change of circumstance. Payday loans that do not get paid on time, where you failed to notify the lender about your inability to do so, can get charged dishonour fees. (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.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.