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Easy Breezy Payday Loans

Sometimes life can throw you a curveball when you least expect it. Unexpected medical expenses, costly dental bills, urgent car repairs, the list is endless. When this happens, and you don’t have the cash to cover the costs, you need a way to get your hands on some spare cash, fast. And, if you’re in the market for a personal loan at the moment you’ve probably heard the term payday loan being mentioned often. Not too sure what a payday loan is or how it works? We can help.

What is a payday loan?

A payday loan is a type of small personal loan that is designed to help you through a tough spot or cover unexpected expenses that you didn’t budget for. A payday loan is a type of short-term unsecured loan. It differs from a traditional personal loan in that it is generally a smaller amount with shorter repayment terms. Payday loans are designed to be easy and fast to apply for. It doesn't take days or weeks to get an outcome on your application. Rather, think fast applications and even faster cash.

What can a payday loan be used for?

A payday loan can be used for a variety of reasons. They’re designed to be flexible, fast and convenient, to help you out when you need it most. If you need a short-term loan to cover for reasons like Medical costs, Dental costs, Vet bills, Car repairs, Funeral costs and many more. If you need help covering emergency or unexpected costs, consider a payday loan.

Who can apply for a payday loan?

Payday loans have fairly simple eligibility criteria. They have been designed to be available for a wide range of people and therefore don’t have overly complicated rules to be able to apply. Simply illustrate that you have the following, and you’ll be eligible to submit an application.

  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have a personal email address and mobile phone number
  • Have at least 3 months worth of banking history in your personal bank account

If you can say yes to the above four criteria, then you are eligible to apply.

Frequently Asked Questions

How are payday loans different to personal loans?

There are a few main differences between a personal loan and a payday loan. These differences are important, however, and any borrower should be aware of them before they make any applications.

Interest and fees

Personal loan interest rates tend to be much lower than those of a payday loan. Payday loan interest rates can vary a huge amount and can sometimes be as high as 43% pa depending on the loan amount you receive. This higher interest rate on a payday loan means that you will end up paying back much more than you borrowed. The loan is effectively very expensive.

Applicable charges

A payday lender is able to add on a lot of fees and charges that a personal loan lender does not. Personal loans on the other hard tend to be fixed with less charges that you could incur.

Borrowing amount

Personal loans can sometimes be for upwards of $50,000. A payday loan, on the other hand, will usually be for amounts of around $500 or occasionally up to $2,000. This is a huge difference in borrowing capacity and can be the deciding factor on whether or not to apply for a payday loan or a personal loan.

How much can you borrow on a payday loan?

The amount that you can borrow will depend on a variety of factors. Different lenders may offer loan amounts up to certain amounts, but as a general rule of thumb, a payday loan can be anywhere from $100up to a maximum of $2,000. You will also be assessed when you submit an application to see how much you can comfortably afford to repay. This is to ensure that you are not overcommitted and unable to afford the repayments.

Can I get a payday loan if I have bad credit?

Many lenders are fairly flexible in their lending criteria and believe that everyone deserves a second chance. Rather than giving you an instant no, many payday loan lenders will instead conduct a thorough assessment of your application as well as take your credit history into consideration. They utilise your entire financial situation to make an informed decision about your loan application.

Can I apply if I receive Centrelink benefits?

Yes, you can apply if you receive Centrelink benefits. While many traditional lenders may not give you the time of day if they see that you receive Centrelink benefits, many smaller neo lenders are happy to receive payday loans applications from individuals who receive Centrelink benefits. Regardless of whether Centrelink is your entire income or part of your income, submit an application today and see just how flexible we are.

Will a payday loan affect my credit score?

Whether or not a payday loan affects your credit score will depend on a number of different factors. If you have been shopping around a bit and submitted applications to a variety of payday lenders who have then credit checked you, this can negatively affect your score. Too many applications in a short span of time is an indicator that you may be going through some financial distress and can cause your score to go down. Try to decide on just one or two lenders before submitting an application to ensure that your credit score doesn’t end up with too many enquiries in such a short span of time.

If you fail to repay your loan or are constantly missing your repayments, your score can also be negatively affected. Positive credit reporting means that all of your financial behaviour, such as your repayment history, will contribute to your credit score now. This is great if you're up to date on your repayments, however, it can also show those missed payments. Be sure to keep up to date on your payments to keep your score looking healthy.

What kinds of fees are there?

Payday loans will have specific fees associated with them. Generally, you can expect to pay an establishment fee of approximately 20% as well as a monthly fee. Some lenders will have other applicable fees as well such as same day deposit fees or account keeping fees. There will also be fees for missed or declined repayments.

Before you sign any contracts it’s important to make sure that you know all of the fees applicable to the payday loan product that you have been offered. Be sure to read your contact thoroughly so that you know any and all fees or charges that you an be charged.

What are the benefits of a payday loan?

There are many benefits to a payday loan, especially if you need a bit of cash, fast. A payday loan can provide you with the spare cash that you need, to see you through tough times. They’re much easier to apply for than a traditional personal loan and the cash can be in your account overnight. This is great for when you need to pay for something unexpectedly and don’t have the time to wait days or weeks for traditional lenders to make their decision.

Payday loans are also flexible. They’re short term loans and it is entirely possible to pay them off early if you want to. Many lenders will allow you to pay your loan off early which can help you save some cash on interest charges.

Quick online applications make payday loans convenient, fast and easy to apply for. This is perfect when you need cash ASAP.

Need a loan?

If you’re in need of a payday loan to get you through some unexpected expenses or to cover a big bill that you don’t have the cash for, we can help. Simply submit a quick application now and get your outcome before you know it. You could have cash in your bank in as little as 60-minutes.

Searching for a breezy, personal loan?

Look no further than Breezy Loans for quick finance topped with top-notch customer service and loan specialists who get it.

Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 is licensed and provide credit services under Australian Credit License 389610. If we could not provide you credit, we will help to match your credit enquiry with another lender partner from our panel of lenders who we think may help you. Our panel of lender partners are licensed and follow responsible lending practice. We may receive referral fee (amount not ascertainable) if you decide to go with them once approved. However, they may ask you further information to assess your loan application where you can deal directly with that lender.The information on this website is general in nature and does not take into account your objectives, financial situation or needs & does not constitute any financial advice. We strongly recommend you take independent advice before choosing any loan product.

Disclaimer: "Same Day Approval" as advertised - means, the applicant will get the application outcome on the same working day. If you are applying after working hours, you will get the reply next working day. Public holidays might affect the process of the outcome.

Disclaimer: "No Credit Check Loans" as advertised - means, most of the decisions are based on the present income of the applicant. There could be several reasons behind bad credit in past. A strong employment history and zero dishonour in last 90 days are required to be eligible for a no credit check loan. The lender can also perform a credit check as it is a part of application processing.


*Instant transfer is available to PayID holders with participating Australian financial institutions. Most of the payments are typically settled in under 60 seconds but may be subject to checks and holds at the sending or receiving bank. As the reason, our standard payment transfer time is 24 hours.

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