Payday loans with no credit checks

In today’s article, I’m going to show you the best five loans you can apply for from your phone in only a few minutes the interesting part of all is there are no credit checks at all and in most cases, you could be funded instantly. So, without many stories let’s dive into the best cash loans with no credit checks in Australia. But before I go further here are some requirements needed before one can be eligible for a payday loan.

Top 5 Payday loans with no credit checks

Eligibility requirement for a payday loan

  • You must be 18 years and above.
  • You will need to link an existing bank account to qualify for a loan.
  • You must be a citizen of Australia or must have a legal residency permit.

Top 5 Payday loans with no credit checks

Viva Payday Loans

Viva, a Payday loan is an online platform that gives out a payday loan to individuals regardless of one’s credit records. Lenders can apply for loans ranging from $100 to $5000 without Viva conducting any credit checks on the person’s credit history, which is one of the things we don’t see in many loan approval companies.

Note credit checks are very important for ensuring that the person borrowing can repay their loans but Viva Payday loans don’t perform a credit check on borrowers.

For those with a bad credit score and Centrelink recipients, the Viva Payday loan is an excellent option because approval of the loan is not based on credit score or other financial records. Note, that Viva Payday can be costly and standard payday loan fees may be applied.

According to the Viva Payday website, the maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. Click on the link to read more about the Viva Payday loans.

Application requirements

  • Applicants must be at least 18 years of age.
  • You must provide proof of a steady income from sources other than Centrelink or any other government benefits.
  • You be a citizen of Australia or legally residing in Australia.
  • Applicants must have an Australian bank that allows direct credit and debits.


  • Every process carried out on Viva Payday loan is online.
  • No credit checks
  • There is no need for collateral.
  • People with bad credit can apply.


  • High charges rate

G’day Loans

Gday is another good platform for those looking for a quick cash loan without any credit check in Australia. This platform provides a short-term loan, unemployed loan, and 1-hour loan, for one to solve an immediate need.

G’day is one of the best online payday loan platforms in Australia because with just one application, a loan will be approved and the cash will be delivered to your bank account within an hour or less, which allows you to save time and frustration. This platform also offers access to short-term and personal loans where borrowers can apply for loans within the range of $300 to $10,000 with an APR of 5.99% to 35.99%.

The best part of this platform is that it allows you to set or customized a repayment schedule date from a period of 3 to 24 months to meet one’s financial needs. G’day doesn’t perform any credit checks just like Viva payday loans.

To borrow from Gday loans you must be a full-time Australian resident who is above 18 years of age.

Eligibility status for G’day

  • You must be an Australian citizen or a registered resident of the country
  • You must have an Australian home address
  • Have a valid ID
  • You must earn $350 per week
  • More than 50% of your income should be coming from another source other than Centrelink


  • G’day works 247
  • Applications are fast and simple
  • The repayment term can be adjusted to meet client needs.
  • No credit checks
  • You can apply for a loan on Gday at any time of the day.


  • Interest rates are high on G’day
  • Click on this link to read more about Gday


CashToday offers a loan option of $100 to $5,000 to borrowers who are searching for a quick loan, which comes with an easy online application process coupled with quick approval. Just like the previous loan companies we have talked about that give out loans to individuals without conducting any credit check, CashToday is not different from them.

CashToday has been delivering service to consumers since 2006 in Australia, so you can run to cash today if you need emergency cash. Applying on cash today is so simple that it only requires only a few minutes of your time to complete the application process on your phone or desktop with any form of conducting a credit check on you.

ALSO READ  How to Secure Centrelink Car Loans Even with Bad Credit in Australia

An eligibility criterion on Cash Today requires that you must be a citizen of Australia and must have a valid form of ID.


  • Fast loan approval
  • No credit checks
  • Low charges


  • Centrelink must not be your primary source of income

Jacaranda Finance Personal Loan

This is another great platform that offers loan opportunities to individuals seeking a loan, loans on Jacaranda Finance Personal Loan range from $2,500 to $15,000. And the repayment period is between 12 to 24 month with interest rates that depends on one’s credit history records.

The interesting part of this platform is that they don’t charge an early repayment fee or early exit fee. All fees associated with your applied loan will be displayed for you to review and accept before funds can be released to you.

Unlike other lenders in Australia, Jacaranda Finance Personal Loan allows borrowers who receive government benefits or some with bad credit scores to apply for loans. Finally, Jacaranda Finance does not conduct credit checks. Click on the link to learn more about Jacaranda Finance Personal Loan

How to Qualify for a Jacaranda Loan

  • Be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Have a consistent income in your bank account for the last 90-days
  • Have an active email address, phone number, and online banking account, in your name, that belongs to you


  • Simple & Easy Application
  • Quick Loan Outcomes
  • Instant Transfers
  • 100% Online


  • High APRs.
  • Charge establishment fees.

Fair Go Finance

Fair Go Finance is an online loan lending platform that provides quick personal loans with no credit checks for Australian citizens. With Fair Go Finance, you can get a small amount loan of up to $300-$2,000 with an average repayment period of 1 to 12 months. Fair Finance doesn’t only offer smaller loans, you can also get a larger loan of up to $5,000 to 10,000 with an average repayment term of 9 – 36 months. The best part of Fair Go Finance is that their loan charges are very low when compared to others.

Loans between $300 and $2,000, for example, do not have an APR (Annual Percentage Rate), whereas loans above $2,000 have an APR of up to 48%.


  • Quick loan approval
  • 100% online loan application
  • No credit checks at all.
  • Bad credit applicants are qualified to apply on Fair Go Finance.


  • High APRs of loans above $2,000
  • Charge establishment fees and monthly fees as well.

Sunshine Short-Term Loans

Here is another great loaning company that has helped thousands of Australian citizens with a quick online loan of up to $2000. With Sunshine Short-Term Loans you can get a loan of up to $2000 and a repayment period of 9 to 16 weeks.

You don’t have to worry about a bad credit check record because Sunshine Short-Term Loans, are willing to help you, no matter your circumstances. At Sunshine Short-Term Loans applications carried out are 100% online with no paperwork involved.

Sunshine Short-Term Loans made it clear on their website that they will take look at your bank statement to access your income to make sure you can comfortably afford repayments. To get a loan on this platform you need the following things to be qualified for a loan.

  • Personal identification e.g. Australian Drivers Licence, Proof of Age Card, or Passport
  • Information on a regular income, including government benefits (if applicable)
  • Your bank account details (Bank, Account Name, BSB, Account Number)
  • You must earn at least $400 per week as your income.
  • Your income can come from a part or full-time job and maybe government benefits, but income cannot only be from Centrelink or Pension source.


  • Quick loan approval
  • 100% online loan application
  • No credit checks at all.
  • No hidden charges
  • Simple and fast online application
  • No paperwork is required.


  • The establishment fee is 20%
  • Additional fees may be applied if you fail to repay on the given date.


So, if you’ve been searching the internet for where to get payday guaranteed loan approval with no credit checks, your search is over. Take a look at the five best payday loan companies we’ve mentioned and choose the one that best fits you.

Disclaimer: The above content is published in good faith and PediaVibes does not make any warranties about the completeness, reliability, and accuracy of this information.  Please make sure to read the term and conditions before applying for any of these loans we have mentioned above.


Please enter your comment!
Please enter your name here

This site uses Akismet to reduce spam. Learn how your comment data is processed.