To be eligible for a PayExpress loan, you must be over 18 years of age, a permanent resident of Australia and currently employed in a salaried / PAYG position. We do not approve loans for applicants whose only source of income is Government benefits or applicants who are self-employed.

PayExpress offers loans from $250 to $2,000. We assess the maximum amount you are eligible for based on your current financial situation to help ensure all repayments easily manageable.

Just complete our simple online application. The whole process is online so you do not need to return any paper documents.

As part of your application, you will need to provide:

• A copy of photo ID - you can either upload your ID as part of the application process or email to info@payexpress.net.au
• Bank statements showing a minimum of the last 90 days of transactions for the account into which your pay is deposited so that we can verify and assess your application. Your bank statements can be securely uploaded using illion Open Data Solutions (bankstatements.com.au) as part of the application process. For more details please see the Bank Statements section of the FAQ.

We assess and approve loans the day your application is received and we guarantee you a same day decision. Once your loan is approved, funds are then deposited into your bank account so they are available to you by no later than 5pm the same day.

PayExpress practices responsible lending and a credit check may be required as part of our assessment.

Once your existing loan has been fully repaid, you can reapply any time in the future should the need arise. It generally takes 2 business days after your last payment for your account to update. As an existing PayExpress member, all you need to do to request a new loan is log into your account (via the login button on our website) using your member number and pin and complete a new application form.

We accept and use electronic signatures so there is no need for you to print or sign any documents.

You will receive an SMS and an email confirming all your loan details and repayments as soon as your loan is approved.

PayExpress members enjoy many benefits and we aim to provide all our members with a simple, personalised and efficient service as possible. All members are assigned a dedicated account manager to take care of their account and help ensure highly personalised service levels are always delivered. PayExpress members also able to access higher loan amounts that increase over time upon successful repayment of loans. Our members also enjoy flexibility in managing their repayments so they can adjust repayment amounts and frequency to suit their current personal situation and needs.

We will transfer the funds to your account as soon as your loan is approved. If your bank supports Osko payments (all of the large banks support this standard) then you will generally have funds available in your account within minutes of your application being approved. For other banks, the funds will be available on the next business day after your loan is approved.

Which institution you currently bank with does affect how quickly you receive access to your money, as all banks have different policies regarding clearance of funds. Express Payment is available for most Australian banks.

Your repayments are directed debited from your nominated bank account that you are currently paid into. Depending on your particular circumstances we can accept manual repayments into our bank account.

As a new member the minimum repayment period for our loans is 63 days and the maximum repayment period is 98 days. The actual term of your loan will depend on your current pay cycle and the date of your application.

We are happy to adjust repayments to suit whatever preference you may have, so please feel free to get in touch and let us know.

If you are unable to make your repayment on time, please get in touch with us as soon as possible and let us know. We will try our very best to adjust your repayments to accommodate your situation so no financial pressure is experienced. Please be aware that we do need 2 business days to adjust any direct debit repayments.

If for whatever reason you do not make your repayment on time, additional costs charged at our discretion may and most likely will apply. A detailed explanation of loan costs is provided for you on the Fees and Charges page.

All loan costs are explained for you on the Fees and Charges page

Responsible lending guidelines require you to provide us with bank statements covering a minimum of the last 90 days leading up to your loan application date. We will begin processing your application as soon as we receive your statements.

illion Open Data Solutions Pty Ltd runs the bankstatements.com.au service and is one of Australia's largest providers of bank statement services. We use this service to allow you to quickly, easily and securely provide us with the bank statements needed to get your loan processed and approved.

Your security is very important to us and we never see your bank login details. Your banking details are encrypted and sent directly from your computer to the illion Open Data Solutions bankstatements.com.au service.

illion Open Data Solutions Pty Ltd have taken all the required security steps (such as providing 256-bit bank level encryption of data, creating a 'read only' service, and closing the connection to the bank as soon as the data has been loaded), they have also had the service independently tested by an industry leading security service.

For more information see www.bankstatements.com.au/about/security

Using the bankstatements.com.au submission service is fast and secure. Using this service ensures that your application can be processed as quickly as possible. Unfortunately we are not able to accept statements sent to us manually.

You are most welcome to contact us via email, fax, phone or mail and our current contact details can be found on our Contact Page.

If you have misplaced or forgotten your PayExpress member details to log into your account, then you can request a password reset.

PayExpress aims at all times to provide our members with the very highest levels of customer service. We want all of our customers to feel has though they have had the levels of customer service and ultimately satisfaction with our loans and services that they deserve.

We encourage your feedback on all elements of our business from your initial enquiry through to our final determination - if any way you feel that you have not been given the service you deserved, please Contact Us directly and will try our very best to work the issue out with you. Our approach to resolving your complaint can be found in our dispute resolution policy which can be viewed in our Credit Guide.

If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001