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Payday Loans Bad Credit 

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Loan Application with A Fast Payday Loan

Is there a small purchase or an urgent bill that needs to be settled? Apply for a payday loans bad credit at LoanBubble. We have small online loans that you can afford with easily understandable terms and conditions. 

LoanBubble is Australia’s fastest growing lender-finder that can provide you with a payday loan. We are specialists providing you with fast cash loans that gets deposited in your bank account the moment it gets approved. The application procedure is easy and is completed in just a few minutes. Upon approval, the money will be directly transferred to your personal bank.

You can submit your application for a payday loan just by using your computer or smartphone, even a tablet device. If you are a busy person and have no time to attend to tedious documentation, you just use our available Self Service Kiosks. All of the loan applications and submissions are processed immediately, without the need of any paperwork.

The fees that may be associated with our payday loans program are presented to you very clearly, along with any minimum payments or any interest rates. This information is provided to you before you submit for your payday loan, this way you are made aware when you decide. This will definitely surprise you on how affordable and convenient LoanBubble’s payday loans are.

Effortless Process

For your convenience in submitting an application LoanBubble have made the loan application process as basic and effortless as it can be. Your payday loan application at LoanBubble could only take you less than 5 minutes tops.

Application is Secured

We highly take in regard data confidentiality. The data provided in your application is secure and encrypted thus you can guarantee that we will keep it confidential.

Immediate Results

Our technology can provide us with advice in an instant as to the status of your loan application. You’ll be able to know your loan application approval in just a few minutes.

Same day Fund Transfer

Upon approval of your loan application and you send in right away the agreement form after you have gone about it then the loan proceeds will be submitted to your bank account in a matter of minutes.

What are Payday Loans Bad Credit?

A payday loan is a loan for a small amount that may be used to pay bills or for grabbing a small quantity of groceries. Payday loans range between $200 and $2,000. The amount that is approved to you is determined by your credit rating and how much you are earning.

Payday loans do not require for you to present a collateral making them unsecured loans. Due to that they have higher interest rates over those more secured loans such as mortgage and personal loans

Payday loans are loans that gets you from paycheck to paycheck so by definition this should be ideally paid once your paycheck arrives. However, a lot of payday lenders give customers the opportunity to spread their payment range up to a few months if necessary.

The payday loans you apply for can be used for whatever purposes you see fit and that is all up to you. 

Need a loan today? Apply online!
Payday Loans Bad Credit

Payday Loans, With No Hidden Fees & Fast Approval

LoanBubble makes getting a payday loan easy. Through the online application and fast assessment, getting the outcome of the loan you applied for is easy. You’ll be made aware of the fees and charges involved upon reading your agreement. We also have automated repayments, this way you don’t need to always be in the lookout on paying your loan.

The payday loans program helps customers in addressing emergency expenses or unexpected payments — whatever it may be. Our loans provide solutions with your unexpected financial situations.

Short Term Loans

What sets short term loans apart from other types of financing is the length of time that the debt needs to be settled. Borrowers taking advantage of the setup usually have a shorter period to pay off the loan. Most of the time, this could be as short as six months to one year. There are also lenders that offer loans without any specific payment schedules so borrowers can just pay it back at their preferred pace. Short term loans are ideal for people that do not want to be burdened with having to pay off a debt for a long time. With loan terms having a direct effect on the loan interest, a shorter term borrowing will result in a much more affordable loan rate. Lenders tend to offer a much higher approval rate for these loans since they tend to be less risky as they are paid off after a short time.

Can I Apply For A Payday Loan If I Have Bad Credit?

Yes you can definitely apply for a payday loan even if you have bad credit. To inform you, your credit score is still part of your assessment however we also put into the picture what your income level now is as this will give us an idea if you can repay the loan or not. It’s true that many Australians’ credit history is poor and may not be entirely their fault, being unemployed even for a short time or encountering health issues can lead to developing bad credit. These Australians can find help with LoanBubble Instant approval loans. What we look into is your current financial situation and even with the fact of a bad credit history you may still be able to apply and even be granted whatever short term loan program is available for you.

How Do I Apply For A Payday Loan?

Our loan application is simple, we have self-service kiosks in convenient locations or directly send in your application through our websites. Upon receiving your application it gets processed within 24 hours. Once the application is approved the funds will then be transferred immediately into your bank account.

Who Can Apply For A Payday Loan?

In applying for a Payday loan, as long as you have a stable income there is no problem in sending in your application. Below is a list of what’s required:

  • 18 years old or above
  • With a regular income, for the last 3 months prior to applying
  • An Australian citizen or a permanent resident
  • Not in financial hardship or bankrupt

When Can I Receive My Money?

After submitting your application for payday loans, our team will have the details assessed. Most of the time we respond immediately in just a few minutes as to the status of your loan application. When it is approved the loan proceeds will go directly to your provided bank account. We would like to set expectations however that some banks may not post received proceeds as quickly as we send them.

What Can I Use A Payday Loan For?

Payday loans may be used in any means needed. As these are loans that help you go through from your last paycheck to your next, whatever necessary and important expenses that can be handled by small amounts is pretty much what this payday loan hopes to solve for. 

The common uses for LoanBubble payday loans can include:

  • Unexpected medical expenses/charges
  • Car repair
  • Veterinary bills
  • Unexpectedly high electricity, water, or rates bills
  • Gifts given to friends/family
  • Extra funding while on a holiday

How Much Does A Payday Loan Cost?

Basically payday loans have a fee of 20% of the amount borrowed and a monthly fee of 4% of the amount borrowed for the duration of the loan. For any questions relating to Fees & Charges you can message our Customer Care team with details on our site.

How Do Payday Loan Repayments Work?

When you set up a direct debit payment this will make it convenient for you. The funds will be automatically debited out of your provided bank account based on how often you have decided to do the repayments whether they are weekly, bi-monthly or monthly. If you happen to have extra cash, you can make payments directly using our website.

Bad Credit Loans

What Happens If I Miss A Payment?

The agreement has provided details that there could be fees incurred in the sense that payment is not made on time like dishonour fees. This is most especially if the debit from your account cannot be processed. If funds are not available in your account for the processing of your loan’s direct debit please inform our Customer Care department for other forms of arrangements. If during the time of your repayment you are in financial difficulty let the team know so any adjustments that may be allowed on your loan contract would be applied.

Can I Receive A Payday Loan If I Am On Centrelink Payments?

At times your application may go through even on Centrelink Payments, this will be based on the loan amount and how much you are currently earning from Centrelink. What we want to know then when your repayment is due, you would have the capacity to pay back your loan.

Why Get A Fast Payday Loan From LoanBubble?

Use small loans to cover extra expenses that are classified important but you are short of funds for. See reasons to use LoanBubble payday loans: 

Fast Application Process – Loan approval can come out in just a few minutes, if in case you cannot make it, you will be advised immediately as well.

Fast Payment – If your application goes through, your loan proceeds get deposited into your account immediately. 

No Paperwork – No payslips or extra paperwork needed, just submit your application online. 

Flexible Automatic Repayments – Since repayments are set-up for auto-debit, your loan payments are seamless and right on time.

Early Repayments – You have the choice to repay your loan earlier if you have extra or available funds.

Excellent Customer Service – Our customer service team is more than willing to assist you should you have any queries. Our contact details are on our website or you can directly get in touch with them through our website 

Transparent Fee Structure – LoanBubble puts up a fee structure that is simple and easy-to-understand. Whatever fees involved, you will know of it upfront and immediately.

Requirements for Payday Loan Application:

  • Personal Details
    • Personal information is asked in the application but these are the basic details such as your name, date of birth, etc. This is important for record purposes.
  • Bank Details
    • LoanBubble asks for bank details in order to expedite transactions such as sending your approved funds to your bank as well as direct debiting for the repayment of your loan.
  • Recurring Income
    • Indicating your work status as a payday loan requires that you have a regular recurring income. This could be from your current job or government proceeds.

Never take long if there is an immediate need for you to address something financially. Submit right away your payday loan application and wait in a few minutes on the status of your application. You can address that payment right away as soon as your loan proceeds are in your bank account in minutes.


Loanbubble.com.au (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).  

Loanbubble is not a lender and does not make credit decisions. Loanbubble matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. 

Consumer Advisory: LoanBubble is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.