Bad Credit Payday Loans - Approved

Bad Credit Payday Loans

Looking for Payday Loans for Bad Credit? We’ve Got You Covered 

Millions of Australians have poor credit scores – often due to lack of budgeting or just one negative entry in the credit report. Whatever be the reason for a bad credit score, everybody deserves a second chance. 

And that’s why Payday Lender is here to help. For the first time, you can access a full range of trusted lenders who are ready to provide payday loans for bad credit – and all with just one application. Avail of the best rates for bad credit payday loans. We are 10x cheaper than any other bad credit lender in Australia!


 Our team leaves no stone unturned to get your loan approved, even if you have a spotty credit report. With us, you can apply for traditional payday loans or short term loan for bad credit up to $2000. Choose your preferred repayment period, enjoy flexible schedules! Borrowing instant cash is fast and hassle-free with Payday Lender!

Apply today and check your special pre-approved rates now! Trust us, it won’t affect your credit score. 

  • Attractive Rates for Bad Credit: We have a broad network of prominent and reliable lenders in Australia. So, you can have complete peace of mind that your application will get accepted. Partnering with multiple payday lenders enables us to get you the best rates for bad credit loans Australia. 
  • One Application, Multiple Financing Options: Rather than applying on different platforms, we have made it simpler to access Australia’s all leading payday lenders in one place. Just one application and you’ll have multiple financing options right onto your fingertips. 
  • 100% Online & Simple: Filling out a bad credit loan application takes less than 3 minutes at Payday Lender. As soon as you apply, we will review it and you will be funded within 24-72 hours of getting approved. The entire process is online and a breeze!      

Benefits of Bad Credit Loan with Payday

Struggling with a bad credit score? Finding it hard to secure fast cash to meet emergency needs? Here’s why you should apply for a bad credit loan with payday: 

  • Ease of accessibility: Anyone can apply for a bad credit payday loan from anywhere and at any time. No need to visit banks and lenders to avail of the best rates. Simply fill up our online application and get approved within minutes. 
  • Minimum documentation required: Bad credit loans are provided by payday lenders and often involve minimum documentation. Typically, they would require your identity and residential proof and salary statement/proof of income. Lenders are hardly interested in your credit score but want valid income proof which ensures you can repay the loan timely. 
  • Flexible repayments: Short term loans for bad credit fit the unique requirements of borrowers. You have the option to choose between any loan amount from $100 to $2000 and repay the same on a flexible schedule. For instance, if your payday is the 1st of every month, you can schedule repayment on the next day, i.e., the 2nd of every month. This will not disrupt your financial planning. 

Additionally, there are no foreclosure charges. That means you can choose to close the loan in just 16 days with no extra charges.    

  • Dynamic borrowing limits: Bad credit lenders will follow your repayment pattern from the first loan. If it indicates accountability, your borrowing limit may increase for the next loan. For instance, if you are approved to borrow 50% of your salary now, chances are it will become 70-80% the next time if you demonstrate timely repayments.
  • Bad credit? No problem: Even if you have a bad credit score, there is no need to worry. Our lenders offer bad credit same day loans Australia wide and offer attractive rates to cater to your fast cash needs.   

The amount you can borrow can be used to meet your instant cash needs or for any purpose such as paying medical bills, education, holiday, home repair or renovation, wedding, etc. 

Who is an Eligible Borrower for Bad Credit Short Term Loan? 

A cash advance or payday loan is defined as a short term loan for bad credit. It allows individuals with the need for instant cash to avail a small amount of loan until their next payday or over 12-24 months. The repayment amount and any applicable rate of interest & fees are paid back on the borrower’s next payday. 

Typically, anyone is eligible to apply for a payday loan, including those with bad credit. However, the basic requirements for most lenders are:

  • 18 years or older 
  • Document of permanent residency 
  • Currently employed full-time, part-time, casual, or self-employed 
  • Regular income of at least $1,000 per month 
  • Valid savings or check account with direct deposit facility 

Bad credit customers are welcome to apply. It is important to note that all loan applications are subject to an assessment of affordability and suitability. 

The loan amount will be deposited directly to your bank account within 4 hours if you get approved. However, most banking transactions take 24-72 hours to reflect the credit. 

Our Promise – Giving More Financing Options to People with Poor Credit Access

At Payday Lender, we believe that every Australian deserves the right to secure a loan. A mere spot in the credit report or a bad credit score cannot take away that right from you. The traditional approach of getting a loan from a bank or financial institution can be difficult for a person with bad credit. But do not dismay!

We promise to give people with poor credit access to more financing options regardless of their creditworthiness. Our team will try hard to find a payday loan or short term loan that suits your needs for bad credit same day loans Australia wide, no matter how good or bad your credit score is. 

Payday Lender will assess your application to check eligibility and connect you with the top payday lenders in Australia. We promise to get you attractive rates and flexible borrowing terms that suit your requirements. Do not look any further and submit your loan application today! 

Frequently Asked Questions

Q: Do I qualify for a bad credit loan at payday?

Anyone can apply for a bad credit payday loan regardless of their credit score. However, please refer to the eligibility criteria discussed above to check whether you qualify for a short-term bad credit loan.

Q: I have a bad credit score. Can I still apply for a short-term loan? 

Yes, you can. For our partner lenders, your credit score hardly plays a role in determining your eligibility. These types of loans are specially designed for people with bad credit or with poor credit history. As long as you are currently employed and have a steady income flow, you can apply for a payday loan. Any lenders promising bad credit payday loans guaranteed approval Australia wide should be viewed with caution, as loans can only be approved having met strict lending criteria. 

Q: When can I get the money? 

You can expect the money in your bank account within 24 hours of getting approved. No wonder why we call it a fast cash loan! However, the transaction time can be impacted up to 72 hours due to weekends, bank holidays, etc. 

Q: Do you have an application fee? 

The application fee will vary from one lender to another and depends on the state you are in. Typically, you will be charged a one-time establishment fee which is a certain percentage of your loan amount. Additionally, there will be a specific monthly fee.

Q: What can I use the bad credit loan for? 

Depending on the loan amount you borrow, you can use it to pay your medical bills, education fees, home renovation, wedding, debt consolidation, car repair, holiday, or any emergency needs. You may use this as an alternative to a credit card advance which involves a high rate of interest, and therefore, should be availed only when are unable to find another alternative and you need instant cash. Bad credit loans Australia is one such option.

Q: How can I repay the loan? 

Repaying payday loans for bad credit is simple and hassle-free. The loan amount, plus any fees and interest, will be deducted electronically from your bank account on your next payday. For short-term bad credit loans, you can choose your preferred repayment schedule and the amount will be deducted from your account on that due date.       

Q: Can I repay the loan early? 

Most of our partner lenders allow you to repay the loan early with zero foreclosure fees or penalties. However, we recommend that you check the lender’s terms & conditions before signing the agreement.

Q: Can I have a loan extension? 

Normally, loan extensions are not available for bad credit payday loans. However, you can talk directly with the lender if you are facing issues repaying the loan or want an extension.

Q: Can I apply for a no credit check loan? 

Yes, you can. We also offer no credit check loan wherein the lenders will not perform a credit check before approving you a loan. Your bad credit does not affect your eligibility to obtain a loan here. Typically, they will look for your employment status and whether you have a fixed income month-on-month.

Q: What information do you need? 

Documents required to apply for a bad credit payday loan will vary from lender to lender, but typically includes the ones mentioned in the eligibility criteria discussed above.  

Q: Bad credit payday loans – guaranteed approval Australia wide?

While we cannot guarantee approval for loans including bad credit loans, we do offer the guarantee that if you are approved and your application was received before 2 pm AEST the funds will be released that same day for deposit into your bank account. Bad credit loans Australia wide must only be approved in cases where a strong consistent employment is shown combined with the ability to easily repay the loan amount.  

Ready to Get Started? 

Submit Your Application & Get Bad Credit Loan with Payday within 24 Hours!