Payday Loans Today

$50 to $5,000 paid out today!


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Get your cash in 60 minutes once accepted*


We don’t credit check or charge any fees†

Fast 3 to 36 Month Online Loans


Payday Loans For Bad Credit Instant Approval

If you need payday loans instant approval, look no further, Acata is here to help you. You may need that extra money to help you make it to payday or you are just caught in an unexpected bill that needs to be paid quickly. Whatever your situation may be, we have helped people in Australia get bad credit personal loans up to 2,000 dollars.

In the industry, we offer the fastest loans that can turn your situation around in a bit. Just apply online, using any device with an internet connection in a matter of minutes. No long paperwork or documentation, same-day transfer, no surprise fees or charges, and you can apply anytime, from anywhere.

Payday Loans

How much cash loan can I get?

Any amount you may need, be it 200 dollars or 2,000 dollars, we can help you. Acata approves up to 2,000 dollars Payday Loans bad credit. Considering your situation, we may now decide the amount you can borrow.

Have you never borrowed money? Or is your credit history patchy? As your agent, we can help you find an online loan no credit check

Instant approval loans

Many people look for instant approval loans with the mindset that lenders will instantly approve their loan applications. In reality, it does not work that way. These days, more lenders are offering faster access to loans through the online platform. However, since lenders are required by law to carry out stringent lending practices, there is no way they can finish assessing loans in an instant. In most cases, it would take at least an hour for lenders to go through your application and decide whether they can offer you a loan or not. A loan offer will then be extended to you so you can get an idea of its specific terms and conditions. If you agree to the loan offer, the lender will then process the fund transfer right away. Depending on your bank, you can expect the funds to be in your bank account right away or within 24 hours

Can I take out a Payday Loan with no credit check on my application?

Here at Acata our panel of chosen lenders will happily assist customers to apply for a small payday loan, however a credit check is usually required to asses the risk of the customer and how much they can lend you and over how long.  However we can help customers with a payday advance even if they’re unemployed on Centrelink benefits and have bad credit. No credit check loans themselves don’t really exist 

Can I get a cash loan guaranteed approval

Unfortunately our lender panel do not offer guaranteed approval, to offer a cash loan they must first carry out their due diligence and offer a responsible loan based on your circumstances, this means whether you had bad credit on Centrelink benefits they will be able to find a lender who will offer you an emergency loan

As our lender panel are responsible lenders they will carry out a credit check and offer you a suitable small loan to meet your requirements. There are no such things as guaranteed cash loans Australia or payday loans.

Small Payday Loans

Times can be tough and emergencies can arise . Luckily we’re here to help you with a pay day loan to help ease any financial pressure or on the flip side treat yourself to a weekend away.

They’re quick, easy and can help you out of a scrape however if you need a larger loan a personal loan might be a better choice for you. As it is for now online payday loans are the way forward, unfortunately bad credit cash loans guaranteed approval Australia are not


Where can I get a payday advance ASAP?

Taking out a payday loan from a bank might seem like a sensible option. Unfortunately they do not offer this type of loan, they specialise more in unsecured loans which are loans generally from $2000 – $5000. However we at Acata can offer online loans bad credit and in some circumstances with instant approval from our panel of payday lenders Australia.


Will I receive instant approval on cash loans

Acata provides instant approval for cash loans, but because we are responsible before we can lend you money we will have to access your application. However, applying within regular business hours can only guarantee same day approval. After your loan application assessment and approval, your money will be transferred to your bank account.

Do you do credit checks when I apply for the loan I need?

At Acata, we believe everyone deserves a chance. When we conduct an assessment on your finances, we do credit checks too but this does not hinder your approval if you have bad credit, we can still approve your loan once we take a look at your current circumstances.

We would review your bank statements for the record of your income and expenses and ensure that you can afford the loan.

How Much Will my Loan cost me?

With us, you don’t have to worry about unexpected costs. We operate with transparency and simple loan terms. If you take a bad credit personal loan of up to 2,000 dollars, here is your loan cost;
– You pay 20% of the loan amount as establishment cost
– 4% of the loan amount monthly as the loan fee
– Loan repayment can take 9 months with no extra fee if you pay off your loan early.

Minimum Eligibility Requirements For Instant Cash Loans

To be eligible to take out a loan from us, you must have met the following simple requirements;
– You must be a minimum of 18 years old
– You must be earning at least 300 dollars per week regularly. This income can be from a paid job, your business, rent, or can be Centrelink payments or other government benefits.

Short Term Loans

Why Choose Acata For Loans?

– We are owned by Australia and operations are carried out in Australia.
– We have a large panel of lenders to help get you the best payday loans
– We have been providing loans to Australians since 1999
– No paperwork, our application is easy, simple, and secured
– You will receive immediate transfers into your bank account
– No hidden fees, we also work with fair loan terms
– Great if you’re look for cash in the short term
– We don’t penalize you if you pay off your loan early.
– We can quickly assess your eligibility and offer finance based on this
– An easy solution for your cash advance (Credit Representative Number – 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).

Acata is not a lender and does not make credit decisions. Acata matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

Consumer Advisory: Acata is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.