How it Works

Getting a Payday Cash Loan is easy. All you have to do is complete the 3-4 minute online application then we'll guide you through the rest.

Here’s how:

1. Complete the 3-4 minute online application form. Our cash advance lenders will review it in a few seconds and the lender best suited to your application will present you with an offer. Check that the fees and terms suit you. If it's all good, confirm your loan by ticking the box at the bottom of the page.
2. Our cash advance lenders provide you with two options for how they can verify your details. You can choose to either have them call your payroll, to avoid digging up any paperwork, or you can choose to send in supporting documents, if you would rather no one call your payroll.
3. Your payday cash lender will then confirm your details with either your payroll officer or with the documents you provided, depending on which option you selected.
4. Depending on what lender you are matched with, the money can be transferred to your account in just 60 minutes. Our other cash advance lenders deposit your cash advance into your bank account the following day.

Some of our cash advance lenders send you SMS messages and emails to guide you through the application process, alert you of approval, and let you know when your funds are transferred. This helps you to track the progress of your application and get paid faster.

You can log in to the member area of the lender's website that your application was matched with to view your application's progress. In the member area you can see whether your payroll has been contacted, and whether you've been paid, as well as any details you may need to know about your repayments.

After you've been paid you can also log-in to see your contract, a breakdown of fees, check repayment details or view previous cash advances. A day or two before a repayment is due; you will receive an SMS and email (depending on the cash advance lender you are with) to remind you about your repayment and help you stay organised. After your first cash advance, the application takes even less time and some of our cash advance lenders can pay you instantly, anytime you need it.

After you've been paid you can also log-in to see your contract, a breakdown of fees, check repayment details or view previous cash advances. The day before a repayment is due; you will receive an SMS and email to remind you about your repayment and help you stay organised. You can also call 1300 327 828 for support. After your first cash advance, the application takes approximately 1 minute, with payments made to you instantly, anytime you need it.

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