How it works

There are times when you need money unexpectedly for an overlooked bill, an emergency or an opportunity you can’t pass up. Sometimes the timing is out and you cannot wait until your next payday. We understand that life is unexpected, so we are here to help you by offering easy, quick, and transparent loans with no hidden surprises.

Before offering you a cash loan, we are required by law to make reasonable enquiries regarding your ability to repay it. After seeking your permission to do so, our online system analyses your financial information and makes a decision in minutes. We only have a few essential requirements:

• You must be an Australian citizen
• You must be over 18
• You must be employed and have a regular income stream

Applying for a Next Pay Day online cash loan only takes 3 easy steps:

Step 1:

Select the amount you wish to apply for on our loan slider then fill in our short application form. We’ll only ask you for essential information that allows us assess your application.

Step 2:

We'll verify your information and provide a loan contract, which you can e-sign online.

Step 3:

Once you've e-signed your online loan offer, we'll carry out a few final checks.

Once approved, Next Pay Day will send your loan funds within 60 minutes.

 

Applying for an online loan has never been simpler!

Please note: We will send your money from our bank account within 60 minutes. Our bank is the Commonwealth Bank so if you bank with the Commonwealth, your money should be available immediately. Other major banks usually credit your money a few hours after we send it and regional banks usually the same day (if we have sent it before 4pm).