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  • Up to $2,0251 funded the same day,2 if approved
  • Less-than-perfect credit accepted3
  • Customised repayments to fit your needs4

Save 10% on loan fees with promo code NEWCASH10

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  • Up to $2,0251 funded the same day,2 if approved
  • Less-than-perfect credit accepted3
  • Customised repayments to fit your needs4

DollarsDirect Payday Loans Alternative in Australia

DollarsDirect is rated 9.2 stars out of 10 by TrustPilot based on 88 reviews

There are plenty of options for payday loan alternatives in Australia, and we’re glad you’ve come to DollarsDirect. We pride ourselves on making the loan process as streamlined as possible. You don’t even need to leave your house. Since you’ve already landed here on the website, you can apply right away — no matter where you are.

If you’re not ready to apply yet, have no worries. Below is a quick outline of everything you need to know about our Australia product.

  1. Application. It’s all online. You can apply in a few minutes, and there’s usually no extra paperwork to fax in.
  2. Speed. If your application is approved, you’ll get your cash as soon as today.2
  3. Loan Amount. If approved, you’ll get a credit limit of $2,425, which includes a $400 establishment fee. (The most you’ll be able to draw is $2,025.1) We recommend using the loan for financial emergencies.
  4. Repayment. Your loan term will depend on how often you receive a paycheque, but it will be somewhere between 65 and 100 days.6 You may also have multiple flexible repayment schedules4 so you can repay the way that works best for you.
  5. Guarantee. Rest assured that if you change your mind about borrowing from us, you can cancel your loan free of charge within 24 hours of funding.7

Personal Loan Application Requirements

Are you eligible to apply for our Australia payday loan alternative? Less-than-perfect credit shouldn’t stop you from applying.3 We carefully consider every loan application that comes our way. To apply, you only need to be:

  • 18 or older
  • An Australian resident
  • Employed for at least a month
  • The owner of an active bank account

How to Apply

If a DollarsDirect payday loan alternative in Australia sounds right for your financial needs, and you match the minimum eligibility requirements listed above, go ahead and fill out our quick application. You’ll receive a loan decision even with less-than-perfect credit,3 and if approved you’ll benefit from our 24-hour money-back guarantee7 — just in case you change your mind. Apply now!

Promo code is only valid for the establishment fee on your initial loan and not on a refinanced loan. Promo code must be redeemed at the time of application, can be used only once and may not be combined with any other offers or preferred member benefits.

[1]Approval subject to DollarsDirect's lending criteria. Approved customers will have a credit limit of $2,425, which includes a $400 establishment fee. Customers who use a discount or promo code will have the establishment fee (and credit limit) reduced by the amount of the discount. In all cases, the amount available to you to draw will be $2,025. [2]Most customers who bank with ANZ, Commonwealth, NAB, St. George or Westpac, and are approved by 2:30pm Sydney time Monday – Friday (excluding holidays), will be funded the same business day. All other approved applications will be funded the next business day. [3]DollarsDirect will consider your loan application regardless of your credit history. If you have defaulted on past transactions, you may be declined for a loan. [4]Some customers may only have one repayment option. [5] Most customers will not have to draw the entire amount available to them initially. However, some customers will be required to draw the entire amount on the date of initial funding. [6]Loan terms vary based upon your application information and your pay frequency. [7]You may cancel your loan within 24 business hours of initial funding by calling us at 1 800 060 892 and we will only debit your account for the principal amount we deposited. There will be no additional charges or fees. 24-hour cancellation option does not apply to refinanced loans. [8]Loan must be in good standing and adjustment requested at least 2 business days before the current due date.