How It Works

When you apply for a payday cash advance with PaydayOnline, the process is simple - just complete the 4 minute online application, then you'll be guided through the simple process by SMS messages and emails.

Here’s the application process in just a little more detail:

1. Complete the 4 minute application form. We’ll review it in a few seconds. Then check your repayment schedule and fees suit you. If it’s all good, confirm your loan by ticking the box at the bottom of the page.
2. Tell your payroll to expect a call from PaydayOnline to check some identification details.
3. Contact PaydayOnline to confirm your payroll officer has been contacted. You'll then receive an email with your account log-in details, so you can view your application's progress.
4. PaydayOnline then confirms your details with your payroll officer.
5. You get paid within 60 minutes

SMS messages and emails guide you through the application and 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.

In your member area you can see whether we've contacted your payroll and whether you've been paid, as well as any details you may need to know about your repayments.

We do 60 minute deposits with all major banks. Click here to view a list of these banks. If your bank is not listed you will be paid by overnight transfer.

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.