Best Payday Loans with Same Day Guaranteed Approval

Maybe you have big electricity bills or you’re dealing with an emergency and need a quick exit, but you think you don’t have many options.

Payday loans are easy-to-get instant loans that you can repay on your next payday.

Payday loans have many advantages, such as low interest rates and zero credit score requirements.

These are worlds apart from traditional methods of securing money, such as banks, as the eligibility criteria for payday loans are extremely lenient.

So what are the best instant payday loan deals? This article will guide you through secured payday lender finder who will process your application quickly and connect you with the best lenders for secured payday loans no matter what is happening in Australia. Let’s cut to the chase.

5 Best Instant Payday Loan Matching Services With Bad Credit

1. Viva Payday Loans

Viva Payday must be the best to connect you to your dream lenders if you are looking for fast loans ranging from $100-$5000with an interest rate of 5.99 to 35.99%.

Similarly, Viva Loans have a particular loan repayment term that gives you a maximum of 2 years to repay your loan in full.

Securing ViVa Loans is easy as they have a smooth and fast application process that they respond to quickly.

Plus, Viva Loans don’t read your credit score too much. They will connect you with a lender that meets your needs to get the help you need.

However, you will need to provide the details they ask for so they can help you.

Once your application has been approved, you will be offered the terms and conditions that you will need to sign. Once everything is done and dusted, you will receive the money in your account.

Note that with Viva, even if you are a social recipient or unemployed, you can still obtain a loan from the best lenders.

So if you haven’t tried Viva Payday Loans and want to get payday loans guaranteed no matter what australiaCheck them.


  • Instant deposit.
  • They offer between $200 and $5,000.
  • Simple application process

The inconvenients

  • Not available in all states

2. Gday Loans

If you need quick financial help, then a Dday loan should be among your top choices as they offer loans ranging from $200 to $5,000, which you can repay over periods ranging from 1 to 24 months.

But before getting the loan, you will have to go through their online application process, which they will respond to immediately.

When they approve your application, which they are likely to do, they quickly transfer you to a qualified lending institution to secure the line of credit you need.

Even if you apply with bad credit, you will still qualify because they don’t consider it as much as the banks.

If you decide to go through with your loan application, they will share their terms and conditions, which you will need to go through, understand, and possibly sign.

Once this is sorted, you will quickly receive the loan in your account. Their interest rates depend on the lender, but they generally vary between 5.99% and 35.99%.


  • You get the loan immediately
  • They offer loans between $200 and $5,000.
  • Quick Loan Authentication and Application Process

The inconvenients

  • It is not easy to know what interest rate they will charge you

3. Sunshine Short Term Loans

Sunshine Loans are also popular as they offer loans between $150 and $2000. If you pay on time, you won’t have to pay any additional fees.

You will only have to settle the repayment between 9 and 24 weeks, making it one of the shortest repayment periods on this list.

Similar to many competitors, Sunshine slaps customers with a one-time 20% setup fee and an additional 4% monthly interest rate.

And for government benefit customers who receive benefits from Centrelink, the fee is supposed to be less than 50% of what you receive.


  • The repayment term is mainly based on the ability of the borrower to repay on time.
  • You can get up to $2,000 loan
  • You secure your loan instantly.

The inconvenients

  • It requires a lot of information such as job details and many more.
  • Extremely short repayment terms

4. Jacaranda Personal Loan

Jacaranda is also one of the best short term loan platforms in Australia. You can expect a simple application process and quick approvals like many other competitors.

They are flexible on who guarantees the loan, and each applicant is ranked differently based on their strengths and weaknesses.

They want to know your financial history and your debts in order to see and assess if you can pay on time.

Their maximum loan amount is $10,000 and you can repay it in up to 2 years. Their interest rates are between 8 and 48%.


  • They don’t have a fixed repayment plan
  • They have flexible loan amount
  • This does not prevent government beneficiaries from getting the loan
  • Quick application, response and approval.

The inconvenients

  • It’s only for Australians.
  • You must be earning money for at least three months to be eligible.

5. Fair Go Finance small loan

Fair Go offers loans ranging from $300 to $2,000 with a repayment period of 1 to 24 months. Likewise, they give you a grace period before they start paying your first installment without penalizing you.

The best part is that you will pay according to your income.

Also, you can get a loan even if you have a bad credit rating, but you will have to meet the fees charged. It is still extremely expensive even if you do not pay the fees if you have a good credit score.

In addition to paying the standard 20% fee, you will incur an additional 4% monthly fee as interest.

The fact that Payday isn’t based on long-term plans means you shouldn’t take on more debt.


  • Loan terms from 1 to 12 months
  • Reimbursement is fixed
  • The loan ranges from $300 to $2,000
  • It does not require collateral.

The inconvenients


Going by the above list, it is obvious that nothing should stand in your way of getting a decent loan and saving your financial situation.

For example, entering into a deal with any of the Viva Payday Loan lenders is a robbery as they do not verify your credit score with a fast and genuine application process.

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