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.


Our loan costs are as follows:

  • Establishment Fee – Once off fee of 20% of the amount borrowed
  • Monthly Fee – A fee of 4% of the amount borrowed, each month where a balance is outstanding

For example, a loan of $1,000 repaid over 3 months equates to a total amount payable of $1,320 comprised of $1,000 principal (amount borrowed), $200 establishment fee and $120 in monthly fees.

There are no other costs if repayments are made on time and no costs if you want to repay your loan early.

The minimum loan term is 63 days and the maximum term is 98 days.

In line with Australian laws, as our loans are fee based only, they do not have an APR (Annual Percentage Rate).

A dishonour fee of $20 may be charged each time a direct debit or other payment is not made in full or on time. The maximum amount of all fees and charges is capped at twice the amount borrowed.

Disclaimer: The information on this website is of a general nature and does not take into consideration your objectives, personal financial situation or needs. This comparison rate is true only for the examples given and more information is available on our frequently asked questions page.