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Same Day Loans

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MyLenders and Same Day Online Loans

If you are having financial troubles, you will try and look for a lender that can give you access to cash in the shortest time possible. But how do you find the right lender?

Heard about MyLenders? We are a lender-finder service and may just be the help you need. The application process is easy and quick. Minutes after applying, you may already have a lender that will give you access to Instant cash loans that you so badly need, within the same day. And guess what? The lender may be offering a same-day loan of up to $10,000.

What are Same Day Loans?

When you desperately need money quickly, getting access to a same-day loan will be your lifesaver.

Same-day loans are a convenient type of credit that comes with a short repayment term. And as long as you satisfy the loan requirements and apply within business hours, you are likely to see the money in your account on the same day you applied.

Depending on the lender’s policy, repayment terms are spread over several months. And the best thing about this type of loan is that you can apply online, have it within the same day, and you can practically use the money for any unexpected expense that knocks on your door.

MyLenders has a wide network of reputable and trustworthy lenders that can help Aussie borrowers get access to loan products even if they have bad credit records. Many lenders in our network can offer credit from $300 to $10,000 against bad credit.

Similarly, MyLenders can help those who are receiving benefits from the government. We can help you find a lender that offers unsecured and secured loan products if you are a Centrelink beneficiary.

Same Day Loans

Need a loan today? Apply online!

How Do Same Day Loans Work?

You can apply for a same day loan online, hoping to find a lender that can process and assess your loan application quickly. If a lender approves your application, there is a good chance that you will see the money in your account within the same day the lender sends you the loan contract. Upon accepting, the lender will quickly process the transfer of the funds to your account.

That seems easy, right? Not quite, because while you can easily complete an application form with online lenders offering quick cash loans, finding the lender with an unquestionable reputation isn’t easy. There are plenty of lenders and applying with every single one of them can be very tedious and frustrating.

This is where MyLenders can help make the process a lot easier. Apply with us and our automated lender-finding system will quickly get to work. This will shorten the screening process because MyLenders can quickly pair you up with a lender from our network of lenders in no time.

To apply with MyLenders, follow the steps below:

  1. Go to MyLenders’ website and type in the loan amount you are planning to borrow, in the loan calculator tab.
  2. Click the button Apply Now. The screen will show you our online application form.
  3. Provide the information and details required. Once you completed filling out the form, hit the button Submit.
  4. MyLenders will get to work by scanning through numerous loan products offered by the lenders in our network in a matter of minutes. This is made possible by our fully automated system that gives a result almost instantly.
  5. If our system finds you a match, the lender will contact you directly. Our participation ends here, and the lender will process and assess your loan application.
  6. Once approved, the lender will send you a digital loan contract.
  7. If you find the terms and conditions of the loan contract acceptable, the lender will start processing the fund transfer to your account.

Note, however, that your access to your online cash loan in your account will depend on inter-bank transfer times, and if you submitted the loan application within regular business hours.

Can I get Unemployed Loans Same Day

Of course you can, we have a few lenders from a carefully selected panel that could offer you a same day loan regardless of whether you are unemployed, just be aware if you are unemployed or have bad credit, the rates might be higher due to the added risk of being unable to pay the short term loan back. However all applications are throughly vetted to ensure each customer get the loan rate for their circumstances .

Same Day Loans: Pros and Cons

Same day loans are particularly valuable if you need quick cash for an emergency. But like any other loan product, same day loans come with benefits as well as risks.


The money can be in your account on the same day you accept and approve the digital loan contract
Eligibility criteria are simple and easy compared to other traditional credit providers
Interest rates and other fees are according to the government’s regulations
Loan repayment is done through direct debit on your account


Because of considering approval for bad credit record, interest rates and other fees are considerably higher and repayment terms are for a short period
Failure to make repayments will negatively impact your already bad credit record and will increase your debt quickly due to late fees

Quick Cash Loans Accessible on the Same Day

MyLenders is a 100% Australian lender-finder company offering the service online 24/7. The whole application process is simple, stress-free, easy, and to top them all, you can access the money almost instantly.

All it takes is for you to complete the online loan application form and as soon as you hit the Submit button, MyLenders will get to work. Our automated system will find the lender that fits your loan needs.

As soon as we find you a lender, they will contact you directly and will start assessing your loan application. The lender will determine if the loan product they are offering is suitable for your financial circumstances. It is important to note that the final loan product including the amount approved by the lender is entirely a result of the lender’s loan application assessment process which may differ from what you have applied for on MyLenders’ website.

And assuming all the items on the checklist are ticked in your favor, you may see the money in your account on the same day you signed and accepted the loan contract.

No doubt, MyLenders is your quickest gateway to finding credit providers online we can even help with Unemployment Loans!

Increase Your Chances: Getting Your Same Day Loan

When faced with financial trouble and you need easy access loans to cover for that unforeseen financial woe, all you can hope for is find a lender that will give you the money right away. But is this possible at all?

No lender can guarantee that you can access the cash on the same day of your application but it’s far from impossible. And the good news is you can increase the chances of accessing the cash in the shortest time. How? Check below:

When to Submit.

You must submit your application within the regular business hours if you want to get the loan before the day ends. Lenders assess the loan applications they receive within their operating hours. If you fail to do that and apply past the lender’s business hours, you are likely to receive an outcome a day later.

Accurate Information and Details.

Before applying, you must be ready to provide the correct information and details asked for in the application form. If you don’t have them, it will delay the assessment of your application because the lender will have to chase some documents to verify your information.

Active Contact Details.

Some of the details you need to provide on your application form are your mobile number and email address. Make sure that both are active and working because the lenders will communicate your outcome using the provided details.

It is also noteworthy that the lenders do not usually conduct business on weekends or public holidays. Hence, you may have to wait for the lender to communicate the result of your loan application the next regular business day.

Same Day Loans: Easy Approval

Life is full of surprises, you get that. Unfortunately, some of life’s surprises are financially associated, like unforeseen expenses that require cash ASAP. And to make things worse, these unexpected money woes happen when your finances are on the downturn.

Look, if you are cash-strapped, how will you deal with emergencies like:

  • Car repairs?
  • Travel expenses to attend your friend’s wedding ceremonies overseas?
  • Lease bond for your new place?

MyLenders got your back. If you need to find a lender that can give you instant cash on the same-day of applying, MyLenders will help you minus all the hassles.

Our expertise is on finding the right lender that will offer the right loan product for your financial needs. With MyLenders, you get access to our vast network of reliable lenders.

You no longer need to scour through the thousands of lenders online only to find out that you are ineligible for the loan you want to apply for. Apply with MyLenders and find out how easy your life can be when it comes to finding the right lender.

Keep in mind, though, that loan approval is entirely the decision of the lender. MyLenders does not have any control over the approval or disapproval of your loan application.

What You Need to Know When Applying for Same Day Loans

Same-day loans are quick solutions for people in dire financial situations. But there is no guarantee that everyone will qualify for this type of loan. Hence, you might find it useful and helpful to check on the following before applying for a loan online:

Repayment Terms.

You need to check if the repayments will fit in your budget and will not cause you to get deeper into debt.

Loan Fees.

Make sure that you clearly understood the lender’s fees associated with the loan. Also, know what the consequence will be if you fail to make a repayment. What do the late fees look like?

Interest Rate.

This is the number which is a percentage of the borrowed amount. The lenders assign interest rates that are different from each other. And it will depend on your credit record and if the loan is secured or not.

Eligibility Criteria.

Find out if you qualify based on the lender’s eligibility criteria. Remember some lenders may consider your application despite your bad credit record. Some lenders though have stricter criteria.

Loan Use.

While many borrowers apply for same-day personal loans to cover for an emergency expense, some situations may not be applicable for this type of loan. Before applying, you must know if the expense you want to take care of is something that cannot wait or if there are no other options left than to apply for a cash loan.

Other Terms.

Find out if the loan has a fixed or variable rate. Also, know if you can pay off the loan ahead of the repayment schedule without being charged any fees.

How to Qualify for Same Day Loans

If you want to avail of MyLenders’ lender-finder service, check out the following eligibility criteria that you need to satisfy. MyLenders cannot start work on your application until you are eligible. You must:

  • Be age 18 or above
  • Be a Citizen or Permanent Resident of Australia
  • Have a valid and active email address and a working mobile number
  • Hold a personal bank account, accessible online
  • Have received a regular salary for the last 3 months

Anyone who satisfies these criteria may apply with MyLenders.

Same Day Loans: Documents Required

Under the consumer law of Australia, all credit providers need to conduct their own checks and assessment of the borrower’s financial standing. The lenders are also required to verify and validate the capability of the borrowers to make the loan repayments by having a regular income.

Hence, if you are applying for a same-day loan, the lender will ask you to provide the following supporting documents:

  • Details of your bank account
  • Copies of your payslips either from your employer or from Centrelink
  • Statements of account for utility bills
  • Statements of account for a rental property
  • 100 points of identification (a combination of primary documents proving your identification, e.g. birth certificate (50 pts), current passport (50 pts), citizenship certificate (40 pts), driver license (60 pts), Australian visa (40 pts), etc.

Using MyLenders’ automated application system, we can access your information digitally to verify and validate the accuracy of the information you have provided.

How’s Your Credit Record?

There’s no denying that at some point in your life, you may have made mistakes that have negatively affected your credit record. And the unfortunate reality is that once in your credit record, it will be there for a while.

If you default on credit, it will be reported and will be in your credit record for a long period of 7 years. That will not work in your favor at all especially if you find yourself needing some cash before the lapse of that 7 years.

And if you are in that kind of a situation, where your credit record is less than perfect, you will feel that you don’t have many options when it comes to accessing quick cash for emergency and unexpected expenses.

And along with the restrictions, most banks and other traditional credit providers are naturally hesitant to consider your online loan application based on your credit history. But you should know that there are other credit options available to you given your rather imperfect credit record. You can find lenders that offer short-term loans and are willing to look past your bad credit record.

This is what MyLenders can help you with – finding the lender that offers loan products that fit your financial situation, good or bad. Our lender-finder experience and expertise will make it a lot easier for you to access the badly needed cash.

How About a Same Day Loan with Low Interest?

The lenders in MyLenders network offer loan products with reasonable and competitive interest rates. And since our service is limited to finding you a lender, we are in no control of the lender’s interest rates.

You should check out MyLenders’ costs page to know rough estimates of the costs usually associated with same-day loans. You can also check with the lender what the expected loan costs are.

In general, when you avail of any type of loan, the credit provider will include additional fees aside from the interest rate and the actual borrowed amount. Just make sure you are clear on all these numbers so you know if you can afford the repayments.

Can You Access Your Approved Quick Loan on Weekends?

MyLenders is accessible online anytime and anywhere. But remember that lenders do not release approved loans on weekends as most banks do not transact on weekends as well. If, for example, the lender approved your loan contract on a Friday night (i.e., outside business hours), the borrowed amount will not be transferred to your bank account until the next working day.

To make sure that you do not fall in this predicament, reach out to your lender directly and ask about inter-bank transfer times.

Are Your Banking Details Safe with MyLenders?

Part of the application process is asking you to provide your online bank details. You might be hesitant to give this information out to MyLenders but you should know that your bank details will allow us to obtain a read-only copy of your bank statements. And these will be forwarded to the lender to help them assess your capability to fulfill your financial obligations.

If your bank statements show that your bank account receives a regular amount corresponding to your income or show that you have been fulfilling your financial obligations, the lender may have a different assessment of your financial situation. Your bad credit record may not matter that much.

Moreover, MyLenders will make sure that your bank details are kept secure and safe because we partnered with McAfee and Comodo – two giants in tech-security. They will keep your banking credentials encrypted. They will permanently delete your bank information right after the assessment is done. And take note that your password will not be accessed by anyone from MyLenders or the lender.

Fast Payday Loans

Can MyLenders Help Centrelink Recipients Who Want to Borrow Money?

So you are on Centrelink benefits, but you need to apply for a loan to cover some other expenses. Can MyLenders help?

Of course! While other traditional credit providers or banks may not accommodate your loan application, MyLenders work with lenders that accept Centrelink benefits as a form of income.

You only need to show that your bank account has been receiving regular Centrelink benefits for at least the last 3 months. We can find you a lender that may approve your application for a same-day loan ranging from $300 up to $10,000.

Can MyLenders Help Unemployed Borrowers?

MyLenders will strive to find you a lender that will help solve your financial problems, even if you happen to be out of the job. The alternative requirement is proving that you are receiving unemployment benefit payments from Centrelink.

Just keep in mind that there is no guaranteed approval because the lender we find for you will conduct their assessment on your financial circumstances. The lender will likely check and determine if you can afford to repay the loan without burying you deeper in debt.

Hence, before you apply, weigh in your options concerning your financial situation. Find out if a personal loan that gives you access to instant cash is your best option considering your money situation.

Same Day Emergency Loans

Do you need emergency cash because of an unexpected expense? Can you apply for a same-day loan given that you are unemployed and have a bad credit record?

While traditional lenders may not even look at your application, MyLenders may find you a lender from our network that offers a same-day personal loan.

The lenders working with MyLenders usually offer same-day personal loans ranging from $300 up to $10,000. The final approved amount will depend on the lender’s assessment of your financial and personal information.

Large Same Day Loans

The amount usually approved for large same-day loans ranges from $5,000 up to $10,000. Lenders usually approve this type of loan with a 13 to 24 repayment period. And more importantly, the lenders will require an asset from the borrower to serve as security or collateral. Acceptable assets include a car, caravan, boat, or a motorbike.

Medium Same Day Loans

The loan amount approved for medium same-day personal loans ranges from $2,100 up to $4,600. The lenders usually assign a 13 to 24 repayment period. This is also a secured loan so you need to have an asset that will serve as security or collateral against the loan.

Small Same Day Loans

The loan amount approved for small same-day loans ranges from a minimum of $300 to a maximum of $2,000. This comes with a 12-month repayment period. And unlike medium and large same-day loans, this type of loan is unsecured. This means you may be approved without requiring an asset attached as security or collateral.

MyLenders and Payday Loans

As mentioned earlier on, MyLenders may not find you a lender that offers payday loans with no credit check.

Also known as Cash Advance loans, payday loans usually come with quite a short repayment period, which makes this quite difficult for borrowers to fit into their limited finances.

Instead of payday loans, we can find you a lender in our network that can offer personal loans of up to $10,000.

MyLenders and Same Day Personal Loans

MyLenders may not be able to pair you up with a lender offering payday loans. Instead, we at MyLenders work with numerous lenders that offer same-day personal loans. This is a better option as you may access your money on the same day you applied and accepted the loan contract.

But of course, the transfer of money to your account will depend on inter-bank transfer times so make sure you apply early and not close to the weekend.

MyLenders and Guaranteed Approval Loan

Don’t get excited when you come across credit providers claiming that they offer loans with guaranteed approval. You may need instant cash, but guaranteed approval loans are not what you want to get your hands on.

Legally, no lender is allowed to offer this loan product. Australia has lending regulations that protect borrowers from some lenders that take advantage of their difficult financial situation. According to the lending regulations, all lenders must assess all loan applications they receive to determine and make sure that the loan product is suitable for the borrower.

Therefore, if some lenders offer you loan products with guaranteed approval, better decline because it is not legally allowed. What you can do, instead is to apply with MyLenders. You can trust that the lenders we work with will not risk their reputation by violating Australia’s lending regulations.

Responsible and Law-Abiding Lenders

MyLenders has a vast network of lenders that follow and abide by Australia’s lending regulations. They will not cut corners when it comes to ensuring that borrowers are properly vetted and assessed in terms of eligibility and financial capability to afford any loan product availed of.

The agency in charge of implementing the responsible lending regulations is ASIC (Australian Securities and Investments Commission). You can check their website for more information.

Check Other Options Before Applying for a Loan

You might not know it, but there may be other options you can avail of instead of same-day loans. If you are receiving benefits from the government, you may qualify to avail of Centrelink’s Advance Payment.

Also, if you check the website of Australia’s Moneysmart, you will find information on how small-amount loans work and recommend other options for accessing loan products.

In addition, if you are a low-income earner, you must consider all other available options before applying for same-day loans. This is to ensure that you don’t end up in an even worse financial situation because you cannot afford to pay back the borrowed amount.

Paying Back the Loan

When the lender has finally approved your bad credit loan application, you are aware of the repayment terms. You know exactly how much you should allocate from your budget for paying back the loan.

Most lenders will set up a direct-debit arrangement from your bank account. Hence, you need to make sure that your account has sufficient funds to cover repayments because they are automatically deducted.

The lender will usually offer repayments on a weekly, bi-monthly, or monthly schedule, depending on the loan product you are approved for. The direct-debit arrangement automatically ends when the loan is fully settled.

If for some unexpected circumstances, you don’t have enough funds to cover an upcoming repayment, you need to contact your lender before the scheduled repayment and not after. This way you and your lender may agree to reschedule your payment for an extra charge.

Contact MyLenders

If you feel confused by the application process for same-day loans, it’s time you turn to MyLenders for some help. You can throw all your questions and we will answer them all. Send us an email at and let us know your concerns.

Our designated customer service experts will respond to your queries, but which will be limited to questions concerning MyLenders’ lender-finder service. If you have questions concerning same-day cash loans, you will be advised to contact your lender directly.

Waste No Time. Apply Now!

Once you have decided to apply for a loan, there’s no time to waste. The application begins when you complete the online application on MyLenders’ website. To access that, you need to type in the desired loan amount and repayment terms on the loan calculator. Make sure that you apply within regular working hours and you may access your loan on the same day.

For any questions, check our FAQs on the website or contact us directly.

You can also check our social media accounts on Instagram, Pinterest, Twitter, and Facebook. (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.