When you need cash and need it fast, PayExpress can help you with same day access to the cash you need.
Simple, quick online application
Fast loan processing
Same day payment
Our loans are easy, fast and everything is done completely online. We provide a decision within an hour
during business hours and once approved, funds are deposited and available in your account within minutes.
We practice responsible lending, and offer flexible repayments so you can choose the amount and
payments that suit your needs. Make early or extra repayments whenever you like to save.
No complicated paperwork - Apply and sign online using your phone or computer at any time of the day.
In 3 simple steps, PayExpress can provide a fast cash solution for you.
Apply Online
Easy online application takes only minutes, and you don't need to print any documents.
Fast Process
As soon as your information is received, we provide you with a fast decision within the hour.
Fast Deposit
Once approved, funds are deposited and available within minutes*.
As soon as your information is received, we process your application and provide you with a fast decision within an hour. Once approved your cash is deposited into your bank account by 3pm on the same day.
After your loan is funded, repayments are debited in line with your pay cycle and further details can be found on our FAQs. We are easily contactable and here to help so please feel free to contact us if you have any questions.
If you have any questions or queries at any stage, we are easily contactable and here to help! We pride ourselves on our personalised and speedy customer service, so please do not hesitate to get in touch.
Loan costs explained:
For small loans between $200 and $2000, our loan costs are:
Establishment Fee - Once off fee of 20% of the amount borrowed
Monthly Fee - A fee of 4% of the amount borrowed, each month where a balance is outstanding
For example, a loan of $1,000 repaid over 3 months equates to a total amount payable of $1,320 comprised of
$1,000 principal (amount borrowed), $200 establishment fee and $120 in monthly fees.
There are no other costs if repayments are made on time, however a default fee of $20 may be charged each time a
direct debit or other payment is not made in full or on time. See fees and charges.
The minimum loan term is 63 days and the maximum term is 98 days. In line with Australian laws, as our small loans
are fee based only, they do not have an APR (Annual Percentage Rate).
For medium loans between $2001 and $5000, our loan costs are:
Establishment Fee - Once off fee of $400
Interest rate - 48% per annum
For example, a loan of $2500 over 30 weeks (repayable over 30 weekly repayments). $2500 (principal amount)
+ $400 (establishment fee) + $431.80 (reducing interest) = $3331.80 total repayable over weekly installments of $111.06.
There are no other costs if repayments are made on time, however a default fee of $20 may be charged each time a direct
debit or other payment is not made in full or on time. See fees and charges. The minimum
loan term is 63 days and the maximum is 24 months. For medium loans the annual percentage rate (APR) is 48% per annum.
(Comparison rate 65.6597% p.a.*)
Disclaimer: The information on this website is of a general nature and does not take into consideration your objectives,
personal financial situation or needs. All loans are subject to credit criteria including an affordability and
suitability assessment.
* The comparison rate is based on a $2,500 loan over a term of 2 years with a $400 establishment fee and weekly repayments.
PayExpress does not offer loans for $2,500 over a term of 2 years. Warning: the comparison rate is true only for the
examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a
different comparison rate.
