PayExpress

Need Money Fast?

When you need cash and need it fast, PayExpress can help you with a short term cash loan.

Our loans are simple, fast and everything is done completely online. We provide a same day express deposit service so your money is available in your account by 3pm.

1 Apply Online 3 minute application

2 Fast Decision Same day approval

3 Get Money! Funds deposited by 3pm


Rapid Application
We provide a same day decision and deposit service to ensure you can access your money quickly.
Fast Process
As soon as your information is received, we process your application and provide you with a fast decision within the hour.
Quick Approval
Once approved funds are deposited into your bank account the same day.


If you need money and you need it fast, you have come to the right place. Our loans are simple and straight forward and everything is done online. In just 3 easy steps, PayExpress can provide fast access to the cash you need.

Our simple online application takes only minutes and you don't need to print any documents. You only need to provide a copy of your photo ID and your current bank account statement.

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 personalized and speedy customer service, so please do not hesitate to get in touch.


Here are some common questions people have about our loans.
More information is available on the Frequently Asked Questions page:


How long is my loan for and what are the repayments?

As a new member the minimum repayment period for our Small loans is 63 days and the maximum repayment period is 90 days.
Loan Amount Loan Term Establishment Fee Monthly Fee Total Repayment Repayment amounts based on 6 repayments
$100.00 63 to 90 days $20.00 $12.00 $132.00 6 repayments of $22.00
$200.00 63 to 90 days $40.00 $24.00 $264.00 6 repayments of $44.00
$500.00 63 to 90 days $100.00 $60.00 $660.00 6 repayments of $110.00

Our Small loans of up to $2,000 are fee based and we do not charge an interest rate (as per s31A of the National Consumer Credit Protection Act 2009) and as such they not have annual percentage rate or APR.

For Medium loans between $2,001 and $5,000 we charge an establishment fee of $400.00 and interest charges based on an annual percentage rate (APR) of 48%. Below is an example of a medium loan:

Loan Amount Loan Term Establishment Fee Interest Rate Total Repayment Repayment amounts based on 6 repayments
$2,500.00 26 weeks $400.00 48% * $3,276.78 26 repayments of $126.03

* The comparison rate for the above loan is 66.07% This comparison rate is based on our Medium loan for an amount of $2,500 over 2 years and a $400 establishment fee. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Are there any additional fees?

The only other possible fees that we charge are:

Payment default fee of $20.00: charged for a defaulted payment or when you request to delay a repayment.
Payment reschedule of $20.00: charged when a payment is scheduled forward at your request.
Arrears management fee of $50.00: charged you have canceled your direct debit request and we being internal arrears management.
Debt Collection Fee: charged if we have to appoint an external debt collector to recover any monies.

Fee Cap for loans under $2000: We will never charge you more than 100% in fees. So if you borrow $100.00, then the total fees including including establishment, monthly, default and collection fees will never exceed $100.00 (for a total repayment of $200.00).

What happens if I cannot pay on time?

If you are unable to make repayments on time, please get in contact with us immediately so that we can reschedule your repayments. We need a minimum of 2 business days notice to adjust any repayment being made via direct debit.