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Instant Payday Loans 24/7

Fast 3 to 36 Month Online Loans


24/7 Online Payday Loans— Apply from Anywhere, Anytime

Online Payday loans are always open 24/7 and they are a good source of cash especially if you need money quickly. It doesn’t matter the time or the day of the week, you get to apply at that moment you need it. Although, bad credit payday loans may not be the only available option for you in such a case that you need to get some fast cash. Getting personal loans may be the perfect solution for your situation as well. That is why IAFC will like to give you more information about this other option.      

Loans for Short Term – 24/7 Online Payday Loans

However, you may know about payday loans in the past, it is highly unlikely that you will know the details of payday loans as a credit tool. Do not worry, that is why we are available to provide you with important details, should you be thinking of taking out a payday loan.  

Typically, payday loans are small loan amounts that are usually not higher than the 2,000 dollars that payday lenders provide. We usually offer these types of loans online and require that you repay them in a short period of a few weeks and sometimes months. The design of Payday loans is such that it provides borrowers with instant funds, especially for those who need money quickly to settle an emergency financial situation. And they are the types of loans that do not need you to commit to anything long-term.

Keep in mind that these features may indicate that it is offered 24/7, this is only depending on the time that you can apply. Your payday loan lenders work during regular business hours. Therefore, you are more likely not to get an outcome for your application the same day until it is the next working day. This is particularly if you apply outside of the regular working hours which is nine to five.  

Conclusively, payday loans online are usually short-term small loans. And they are available to everyone online at their convenience. It is one of the perfect options for individuals who are looking to get quick access to money.    

Need a loan today? Apply online!

Apply for Payday Loan Online – What does IAFC do?

IAFC is a lender finder service in Australia. We are not a lender and we are not offering any loan.

What we do offer is our services to help you find the right lenders with the right loan products that will fit your specific financial needs. We serve as your bridge towards finding the best lenders with the most appropriate credit instruments for you. We work with a network of lenders offering a whole host of personal loans. We make the application process easy, convenient and fast and we may be able to get you paired with a lender within just 60 minutes from lodging an application on our website.

Whilst your goal may be to find a payday lender, our goal is to get you paired with personal loan providers. At first glance, these two loan instruments may seem similar but there are certain differences that set them apart. We’ll help you get a good idea of what these credit instruments have to offer so you can make an educated decision.

You may even find unsecured personal loans that will work just right for you.

Personal loans and payday loans – Compare & Differences

Whilst both personal and payday loans may be able to assist you during those tricky financial situations where you need to pay your bills and such. There are several key differences between the two:

Loan amounts

Generally, payday loans are ideal for covering emergency expenses that might come up every now and then. They are typically available for $2000 or lower.

Personal loans, on the other hand, can range from $300 to $10000. If you need a larger sum, it may be worth looking into the possibility of signing up for a personal loan.

Repayment periods

Payday loans tend to get repaid in just a matter of weeks or sometimes, just a few months. Personal loans, on the other hand, can have a repayment period of 12 months to 24 months. Some people might find this setup more ideal since this allows them to spread their repayments out, making the whole thing more manageable. This would mean a longer repayment period and other people might not like the idea of a long term repayment commitment.

Fees and rates

In Australia, credit contracts of $2000 and under will be capped as far as fees and rates go. This allows lenders to charge right up to the maximum when granting these loans. Still, there may be lenders that will choose to charge less.

Meanwhile, loans larger than $2000 aren’t capped.

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Higher Fees & Interest – Are there deal breakers for a 24/7 payday loan?

The popularity of non-traditional lenders, which has considerably increased over the years, is such a welcome change. In the past, banks will likely turn down any loan application involving a borrower with less than stellar credit ratings. Today, the landscape has changed considerably

Whilst there is still  no guarantee for approval, there are several lenders online that will be willing to offer a loan even to those borrowers with rather dismal credit ratings.

Rather than just dwell on the missteps you committed in the past, there are lenders these days that will willingly look into your present situation and assess where you stand financially when deciding whether to grant you a loan or not. This could include checking how much income you earn and how much is left after your daily expenses have been taken off. This will help them determine if you will still have enough left to afford any loan repayment.

Still, it’s also important to remember that a bad credit borrower may be considered a higher risk for lenders. As a result, whilst they may be happy to grant a bad credit borrower a loan, they may want to offset the risk by charging higher fees and rates.

Check Your Credit – Can I take out a payday loan without a credit assessment?

It doesn’t matter whether you’re taking out a payday loan or a personal loan. Some lenders will make it a point to carry out credit assessment before deciding whether to approve the loan or not. It really is up to the lenders to decide whether they will carry out a credit assessment or not. Each has its own policy, after all.

With this in mind, IAFC is unable to provide any guarantee.

Even when a lender does carry out a credit check, know that there is more to their assessments than just your credit rating alone. They will also need to look into how much you’re earning, what your employment status is and what your regular expenses are. This will help them get a better idea of the type and amount of loan that’s affordable enough for you.

All in all, there are lenders that do offer payday loans 24/7 minus the credit check. However, this can vary per lender.

Payday Loan – Borrowing made easier and more accessible with 24/7 payday loans

Today, where almost everything is digitised, getting access to financing online has never been easier. Today, it is now possible for you to get access to loans 24/7. Provided that you have a device with an internet connection, getting a loan online is just a few clicks away.

Unfortunately, just doing a Google search isn’t going to make it easier for you to locate the right lender with the right loan. Your search will likely come back with hundreds of results and this can get overwhelming. You might not even have an idea where to start.

If you find this confusing, you can always refer to IAFC’s lender finder to help simplify the process for you. Just send in an application with IAFC and we’ll do what we can to get you matched with the right lender with the right personal loans fast. On top of that, it’s 100% free!

IAFC’s eligibility criteria

Before applying for a loan at IAFC, you fit the IAFC’s eligibility criteria. See to it first that you meet the following requirements:

  • You’re 18 years or older
  • You’re a citizen or a permanent resident of Australia
  • You have a working phone number and email address
  • You have a working bank account and can provide at least 90 days’ worth of banking history

Applying with IAFC

If you believe that IAFC’s lender locator service can help you find the right lender with the right loan offer, you can submit an application on the website and it is easy. We’ll only need you to provide us with key details so expect the application to be completed in just a matter of minutes. Just follow these three steps:


Check out the loan slider located at the top of the page to enter what your preferred loan amount is along with your ideal repayment terms. Fill in the personal details being asked on the form and click submit.


After we have received your application, we will get to work as our automated system will then look for the right lender for you. If the application was set during our business hours, you will likely get an outcome within 60 minutes.

We’ll get in touch with you

Whether we are successful in locating a lender or not, we will still get in touch with you to let you know. Once a lender has been matched with you, you should be contacted by the lender directly to start the assessment process.

I need money fast – where can I get emergency cash loans?

For expenses that need paying off ASAP, you’ll need to find a lender that will get things done fast.

Whilst payday lenders are known for their exceptionally speedy processing, personal lenders can do just the same thing too!

If you’re in need of a lender that can assist you fast, IAFC just might be able to help. Instead of spending long hours looking for and applying to lenders online, all you have to do is submit one single application and will take care of the rest 

We may be able to get you paired with a lender in just an hour. Then the lender will contact you and assess your application as well as provide you with an outcome on whether they can offer you a loan or not.

Once approved, your lender then gets to transfer the cash to you after you have approved the digital loan agreement. Depending on your lender’s and your bank’s transfer times, it may even be possible to receive the money you need on the same day you sent in the application.

Can I get instant cash with instant 24/7 payday loan?

Whilst there are a lot of lenders that advertise instant approval loans, the truth of the matter is there is always going to be a processing time involved when you apply for a loan. It doesn’t matter whether it is personal loans or payday loans, expect that there will be a processing time.

So, when a lender will advertise instant loans, it’s important not to take this literally. In most cases, what they really mean is that they will get the application assessed and processed in a matter that may feel like it’s done instantly. Technically, by instant loans, they really mean quickly-processed loans.

The reason for this is that in Australia, creditors are required to follow responsible lending practices. The law mandates that they need to first verify the financial situation of their customers before offering and granting any loan product so they can be sure that the loan is something the borrowers can actually afford to repay.

In the event that you do find lenders offering guaranteed approval or anything similar, make sure to stay away from them. There is a reason that responsible lending obligations exist and they are meant to protect you and ensure that you won’t end up with a loan that’s going to be beyond what you can really afford.

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Payday Loan – Can payday lenders offer payouts during the weekend?

Whilst there are lenders that advertise 24/7 loans, it may not always be possible for them to offer payouts during weekends.

Even when you’ve sent in an application over the weekend that got assessed and approved, you may likely have to wait until the next working day to get the funds. The reason? Banks don’t really process funds transfers beyond the normal business hours.

Whilst the lender may be able to get the funds transferred immediately right after they have approved the loan and you have signed the contract, there may still be a need for you to wait until the next business day for the banks to process it. This is why it is not always possible to get access to your cash on a weekend.

Are 24/7 payday loans right for me?

At IAFC, we cannot really provide you with definitive answers. At the end of the day, the best payday loan is something that is appropriate for your specific needs, circumstances, preferences and objectives.

Payday loans do seem like the best option if you need cash fast, the fact that they come with really short repayment terms and the rather limited amount they offer may not be ideal for everyone. If you need a larger loan amount, one that you can pay back within a longer period, then payday loans may not be ideal for you.

At IAFC, we work with lenders offering personal loans. These loans can be availed of for larger amounts and the repayment terms tend to be longer and more manageable as well.

It is always best to take the time to evaluate the pros and cons of every loan available for you before making a decision to know exactly which one works best.

If at the end of the day, you decide that you’re better off with a personal loan, then IAFC’s lender finder service will make it easier, simpler and more convenient for you to send in an application. Apply today!

24/7 payday loan comparisons

Before accepting any loan offer, make sure to do your research first. Remember that it’s your responsibility to find the right loan for your needs. Make sure to compare everything and weigh your options. Make sure to consider the following when deciding which loan to accept:

  • Fees and rates: Fees and interest rates will help determine the amount you must repay, aside from the principal loan amount. The goal is to find a lender that will offer the most competitive rates and fees.
  • Repayment terms: payday lenders offer shorter repayments of up to a few weeks or months. Meanwhile, personal loans allow you to repay what you have borrowed within a longer period, which makes it more manageable for you. Choose which one will be more workable for you considering your current circumstances.
  • Credit assessments: There are lenders that may choose not to conduct any credit assessment but most lenders will usually conduct one as part of their evaluation processes.
  • Reviews: Always check the reviews coming from past borrowers of these lenders to give you an idea of what to expect.

Alternatives to 24/7 payday loans— Why choose IAFC?

IAFC’s lender locator service makes it easier, faster and more convenient to find a lender. We work with a network of lenders known for their speedy application and evaluation processes. Aside from these obvious benefits, there are a ton more of other reasons that it is truly worth your time relying on IAFC the next time you need a loan.

Secure data

We have internet giants McAfee and Comodo tapped to ensure that our system is secure and safe at all times to assure you that your personal data and information will always be safe with us at all times 

Live 24/7 website

Applying for a loan can be time anytime and anywhere you are because the IAFC website is accessible 24/7. It doesn’t matter where you are in Australia or what time of the day it is. As long as you have a device that can access the internet, you can easily lodge an application on our site. Do note that applying on weekends or on a holiday would mean that your application will be assessed on the next business day.

Trustworthy, legitimate lenders

We work with a network of reliable and trustworthy lenders that offer personal loans. Every lender in our network is compliant with responsible lending practices so you can trust that they will always offer loan products that are appropriate for you, your needs, and your capacity to pay.

Repayments suitable for your needs

When you send in an application, we will always ask you for your ideal repayment setup. In most cases, this could be between 12-24 months. You’ll also have the option to make payments monthly, fortnightly or weekly— making it easier for you to select the setup that works best for you.

Transparency matters to us

Our process has been carefully outlined so you will know exactly what will happen as you go through the application process. In addition, when you agree to a loan offer expect every single detail of the agreement to be laid out to you. In fact, you are encouraged to pore through the contract and raise questions about things you don’t understand to ensure that you know exactly what you’re getting into before approving the loan contract.

What happens if I can no longer afford the repayments for my 24/7 payday loan?

Should you fall ill, become unemployed or encounter a situation that will prevent you from carrying out your loan obligations, you have the option to apply for financial hardship. Just contact your lender to find out what you need to do.

Lenders have the means to handle situations like these and can help you go through the process. Generally, the process will go as follows. 

  • Let your lender known about your situation
  • Prepare supporting documents that will prove your situation— this could be a proof of termination or medical certificates
  • The lender will consider your circumstances and assess your application
  • Once approved, changes may be introduced to your repayments or the lender may put it on hold to make things more manageable for you.

Contact us

Any questions you may have about our service can be directed to hello@iafc.com.au. We have a dedicated team that will ensure that you will be given a direct and prompt response to your inquiries. 

Note that emails are monitored only during business hours so if you send in correspondence outside of our normal business hours, expect that we may only be able to respond on the next business day.

Also, IAFC can only answer questions related to our organisation as well as the lender locator services we offer. Questions regarding 24/7 payday loans should be directed to the actual lender.

Apply today!

Send in your application with IAFC now. 

You can also keep up with the newest and latest updates about IAFC via our social media accounts.