Apply for your PayExpress loan

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.

1 Apply Online 3 minute application

2 Fast Decision Same day approval

3 Get Money! Funds deposited by 3pm



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.