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Are Guaranteed Payday Loans Real?

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Australia 100% Payday Loans

Regardless of your situation, Guaranteed Payday Loans Australia is a concept that sounds quite enticing for some customers. But they are practically illegal. Customers should be wary of any loan provider offering guaranteed approval payday loans.

Loans that have guaranteed approval are not what we offer. You will never get an offer of guaranteed loan approval making an application through us. Any applications you submit will be assessed and reviewed before approval.

What Exactly Are 100% Payday Loans in Australia?

A payday loan is a small unsecured borrowing offered by payday lenders with loan amounts that typically range from $100 to $2000. The repayment terms of these advances tend to be shorter than personal loans, so you’re looking at 3 – 12 months, whereas personal loans tend to range from 24 – 60 months and have larger loan amounts.

A guaranteed loan is a loan that promises you guaranteed approval. This may sound enticing, but be careful as the majority of these loans are often a scam. 

Need a loan today? Apply online!
Guaranteed Payday Loans

Why are loans with 100% guarantee shady?

In Australia, there are no legitimate loans that offer 100% guaranteed approval. There are regulators in place to assure the money has to be granted responsibly by all credit providers.

Responsible lending is based on the principle that an unsuitable credit should not be offered to customers. A loan, for instance, is unfit for the borrower if:

  • The financial needs and aspirations of the customer are not fulfilled.
  • It is not feasible for the customer to afford their contractual repayments.

Credit providers have to take some precautions to prevent the above and offer loans responsibly.

Guaranteed Payday Loans

Imagine being in a time of need and not having enough money to take care of your family. This is why we offer our customers fast cash advances and quick funding options so you can get back on track quickly without worrying about getting rejected elsewhere.

What’s the deal with guaranteed paydays? 

With cash loans, you can take advantage of an unexpected opportunity without worrying about having to use your own cash flow. The process is quick and easy with flexible repayment terms that allow for any need- it’s perfect when things come up unexpectedly.


How do credit providers safely lend money?

These obligations are disclosed by the National Consumer Credit Security Act 2009.

All loan providers have to establish how they will uphold their responsibilities. However, they must take the following steps

  1. Perform probes into the economic state, goals, and needs of the borrower.
  2. Take measures to validate the economic condition of the creditor.
  3. Perform a final evaluation on whether the agreement is satisfactory for the borrower or not.

Go to the ASIC website if you want to learn more or access a complete copy of the guide.

Are there any payday loans with 100% guarantee?

No loan provider should ever guarantee approval. Lenders have to make absolutely sure the loan type is appropriate for you.  Payday loan providers offering guaranteed approval are generally scams. 

If you worry that you’re engaging with a shady credit provider, follow the warning signs below

  • A 100% assurance offered by lenders.
  • The lender is not authorized by ASIC.
  • Asked for upfront payments from clients.
  • The lender requires you to transfer an advance payment into a bank account.
  • Email correspondence comes from a generic email address.
  • A suspiciously low rate of interest was presented. 

Loan applicants may also stumble upon online lenders offering instant approval payday loans. However, the distinction between instant approval and 100% guaranteed approval is something to be aware of.

It can be quite deceptive,  immediate approval. In brief, this does not mean that your loan will be accepted immediately. Instead, instant approval applies to lenders that can process apps so quickly and in some cases instantaneous.

However, immediate approval doesn’t mean that you are offered guaranteed approval. All credit providers must evaluate your application, first.

The table below describes a few guaranteed approval loans which you might find available on the Internet, as well as a valid alternative. 

Guaranteed Australia No Credit Check Loans

Loans for Unemployed

No Credit Check Australia Payday Loans

Bad Credit Guaranteed Approval Loans on Centrelink

Payday Loans for Bad Credit Centrelink Customers

100% Guaranteed Australia Online Payday Loans 

A word of caution, the illustration shown above is not a representation of our service or our network of lenders.

Can you help me get a 100% guaranteed payday loan in Australia?


We will, however, find a responsible loan provider for you which is not necessarily a payday lender. Our network of loan providers can offer you a personal loan with loan amounts ranging from $300 up to $10,000.

Personal Loans versus 100% Guaranteed Payday Loans in Australia

Personal loans and payday loans tend to be very similar on the surface. But there are considerable variations between the two loan products.

Lenders offer Online Cash Loans  typically under $2000 but can go up to as much as $5,000. Furthermore, a payday loan being unsecured can have very limited terms of repayment.

On the other hand, personal loans offer larger loan amounts up to $10,000. Lenders may be willing to provide terms that range from months to years. Personal loans with amounts ranging from $2,100 to $10,000 may require collateral as security. 

With poor credit, what is the best loan to get?

Australian customers want things to run smoothly when searching for loans online.

Unfortunately this is hard to answer, consumers want things to run smoothly when searching for loans online. There are several distinct variables at work. Thus the easiest bad credit loan with no credit check for one borrower may be altogether different for the other.

Is it possible to get a loan with extremely poor credit?

A really poor credit rating alerts creditors that you have a bad track record on paying back outstanding loans. As a consequence, lenders could become apprehensive about granting you a loan.

Despite that, clients may want to continue using our lender-finder service. No 100% approval will be guaranteed by us. We collaborate with creditors, who can focus on your present financial status. 

The creditor we can match you to will typically look into:

  • Your actual monthly salary and expenditures
  • Status at work
  • Latest banking records or history

Are there any payday loans guaranteed regardless of Australian Centrelink customers?

Possibly, yes. And we may be able to guide you in the right direction.

We might not be able to find a payday loan provider that accommodate Centrelink clients. Nevertheless, we may recommend a lender or two for a personal loan. 

In general, within our network, there might be creditors prepared to accept applicants from Centrelink.

Notwithstanding this, lenders will not offer 100% guaranteed approval. Furthermore, lenders can

differ in terms of:

  • What payments they will accept from Centrelink.
  • How much will come from the borrower’s total income benefits?

If I don’t have bank statements, is it possible to obtain payday loans?

Without requiring hard copies of your financial records, there might be some online loan providers who will evaluate you. That’s because creditors can access a great deal of information about you online.

As a result, to be eligible to apply customers will need at least 3 months of worth of credit information. Bank statements are important for evaluating the current relationship of a borrower with money.

Your bank statements are used by lenders to validate your:

  • Regular income
  • Common purchasing patterns
  • History of debt repayment
  • Status at work

In short, you don’t have to have hard copies, lenders can accept online copies.

Alternatives When You Need A 100% Guaranteed Payday Loan

It could be tempting to apply to lenders who give guaranteed approval if you are in an emergency. Sadly, in an emergency, dodgy lenders and scammers are aware of customers in desperate need of a cash loan.

The old adage still rings true  whenever you’re applying for loans online: if something seems too good to be true, it’s likely that it is.

However, the trick is not to panic if you are in an emergency. Remember that creditors might require more time to evaluate your request. Secondly, don’t allow shady lenders to tempt you into taking out ‘guaranteed loans no matter what’.

Consider our Emergency Loans & bad credit loan pages for more information.

When a lender approves my loan, what happens?

If a lender accommodates your loan request, they will evaluate your application and reach out to you asap.

Furthermore, the credit issuer will send you a loan contract for review. 

It’s essential that customers review the loan agreement before signing anything.

Pay attention, in particular, to:

  • Offered fees and rates;
  • Offered loan amount; and
  • Terms for loan repayment.

Keep in mind that creditors might not be willing to send you specifically how much you have applied for through our website.

Keep in contact with your loan provider directly if you are uncertain of anything in the loan agreement.

They will normally be more than willing to walk you through every aspect of the loan application process, so you fully understand what you signed up for. 

How do loan repayments work?

Typically, the repayments will be agreed upon between you and your loan provider. In general, you can decide on how long you have to repay the loan including the frequency of the repayments. You will be able to choose between monthly, fortnightly, and weekly, depending on your creditor.

Lenders usually make a payment to your account. Your repayments are also deducted automatically from your account. Lastly, the direct debit ends once your loan repayments are complete. The process is quick and convenient giving you easy access to loans responsibly 

Bear in mind, however, you can be charged with extra interest fees if you default on your repayments.

All fees and costs will be outlined in your contract. Before committing to the loan, take time to carefully and properly read your contract.

I would like to report 100% guaranteed payday loans from Australia!

Are you dissatisfied with your original lender? Do you believe that you have been unfairly treated?

Firstly you might want to talk directly to your lender. The lender could potentially be able to fix the problem sooner and take responsibility. You can notify the Australian Financial Complaints Authority (AFCA) if you are unsatisfied with their response.

The AFCA is an independent body which deals with concerns regarding:

  • Loans, credit, and finance
  • Insurance
  • Payments and transfers from banks
  • Investment and consulting on money decisions
  • Superannuation

Call 1800 931 678 or visit their website to get in touch with AFCA. 

Payday Loans Guaranteed

Can I get a $100 loan?

Some loan providers may accommodate your small $100 loan request. Sadly, these creditors are not part of our network of lenders. We partner with lending institutions that can provide $300 up to $5,000 loan amounts.

Will you help me obtain loans with no credit check and no job?

Customers that are unemployed are free to apply for a loan with us. We may be able to match them with a lender from our panel that offers simple loans. These applicants must, however, be also able to demonstrate that they too are taking home some sort of income. The reason behind this is simple – the money that you borrowed must be repaid.

Some lenders may also consider payments from Centrelink as a form of income. 

Why choose us?

Our loan products are enjoyed by customers from across Australia, and it isn’t difficult to see why. Our service  is swift and hassle-free.

Not quite convinced? Here’s what you need to know about us:


There’s no need to pay anything to use our service. Whether you get matched to a loan provider or not, our service is free of charge all the time.


As long as you submit your loan request during reasonable hours, you can obtain the loan that you need in as quick as an hour. ⠀

Furthermore, we collaborate with fast cash lenders. In essence, it will be the task of lenders to evaluate you as quickly and efficiently as possible. Money is transferred once the contract is accepted by you. You could have access to the funds on the same day, depending on the creditor and bank processing time.

No financial transactions take place on weekends or bank holidays. And as such, you may not have access to the funds until after the next business day, in case you accept the contract over the weekend.

Intelligent System

Our smart and innovative system can access the data we need digitally. Applying for a loan with us is generally free of paperwork.

Need Help?

Visit our FAQs section if you’ve any queries or concerns. 

Bear in mind that you can communicate with a real person by reaching out to us. We will answer any questions about your application that you might have.

However, if your request is matched with a lender, keep in mind that you will need to contact that lender directly with any further queries you may have. We are unable to address any specific questions regarding the lender itself. 

Please direct your concerns to them directly if your transaction is by a particular loan provider.

Hassle-free repayments

Our team of loan providers makes paying back your loan simple. A direct debit will typically be set up for you. Therefore, your repayments are automatic. When your loan is paid, the direct debit ceases.

Furthermore, lenders can give flexible terms. Simply said, you will be able to select the repayments that you can afford whether monthly, weekly, fortnightly. 

Freedom to spend

Personal loans are almost like cash and can be used as such/ You u can utilize your loan to settle any personal expenses. Anything is possible with a personal loan, from a new car to  your dream vacation.

Anywhere in Australia

We are 100% online. This means you can access our services anywhere in Australia . In short, a device with Internet access is everything you need.

Whether you reside in Perth, Cape York, Brisbane, or Kangaroo Island, you’ll be able to apply with ease.

Safe and secure

Your information is always secure and protected with us.

No Guaranteed Payday Loans In Australia

Regarding all aspects of our operation, we are always transparent and honest. The lenders we deal with are also straightforward and trustworthy.

All your loan payments, rates, and fees will be included in your agreement. This lets you create a less stressful repayment plan for your same day loan.

Understanding loan providers

In case your financial situation changes, you may find yourself not able to pay your loan repayments. If this happens, reach out to your creditor immediately.

You, the loan provider, may cancel the scheduled repayment if you cannot afford it. However, there may be charges that you have to pay.

Life can bring changes that affect your financial situation such as lost income or sustained injuries from an accident. No matter what happens, you should inform the credit provider, ASAP.

If you need to apply for hardship, you should get in touch with the hardship department of the loan provider. The following pieces of evidence of hardship may be required such as:

  • Bank statements

  • Letter of termination

  • Medical certificate

Do you have a problem with bad credit?

Do you have bad credit? Worrying about it too much won’t help.

Many of us have made bad financial decisions in the past, but you shouldn’t let it decide your future. Finding the right lender is key – one who will focus on the current financial situation of the borrower when deciding to approve or reject the loan application.

Warning against borrowing

It can be expensive to borrow small amounts of money. Borrowing may not solve your problems. Therefore, check your options before you borrow.

Call 1800 007 007 for independent financial advice. You can call this hotline for free from anywhere in Australia.

Do you have trouble affording your bills? Your utility provider may be able to offer a payment plan. Find out more here.

If you receive Centrelink benefits, you may be eligible for an advance. This is then taken out of your future benefits interest-free.

Avoid Lenders Offering No Matter What Guaranteed Payday Loans

If you’re looking for a personal loan, consider MyLenders lender-finder service. We might be able to pair you with a lender offering loans from $300 to $10,000

Before you borrow:-

Borrowing small sums of money can be costly. Borrowing will not fix your issues. Therefore, before taking out a payday loan, check your alternatives.

For independent financial counseling, call 1800 007 007. This hotline can be called from anywhere in Australia for free.

Do you find it difficult to afford your bills? It could be necessary to request a payment plan for your service company.

You may be eligible for an advance when you collect Centrelink. This is the interest-free loan that can be repaid from your benefits.

Avoid Lenders Offering No Matter What Guaranteed Payday Loans

If you’re seeking a personal loan, reach out to a reliable lender-finder service. By reaching out to us, you may be paired with a loan provider that can grant you $300 up to $10,000.

Want to hear more from us? Keep in touch on Twitter, Facebook, Instagram, and Pinterest.

Earning a lot of money does not automatically guarantee the approval of your loan application. More so if you also have high expenses.

Most lenders will carefully assess your expenses and income based on your bank statements. (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).  

MyLenders is not a lender and does not make credit decisions. MyLenders 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: MyLenders 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.