Payday Loans Perth Approved Online? Borrow Up To $15,000 Now

Payday loans Perth are potentially available online. Did you know you could be eligible for a personal loan instead? $2,100 to $15,000. Apply!

What are payday loans Perth?

Despite being regularly placed in the most liveable cities in the world, life in Perth isn’t always plain sailing. After all, unexpected costs can arise no matter where you live.

Well, to put it simply, payday loans are small loans available online, often repaid over a few weeks or months. Moreover, if you live in Perth, payday loans may seem like the perfect fast approval loan option.

The table below outlines a few of the more popular loan types potentially available online:

Perth payday loansAmount (AUD)
Cash loans Perth Centrelink$600
Loans Perth no credit check$800
Quick loans Perth$1,100
Payday loans near me Perth$1,500
Cash loans Western Australia$2,500

The table above in no way reflects the loans potentially offered through Monzi’s network of credit providers.

Despite this, you could instead be eligible for a personal loan of $2,100 to $15,000. We’ll explain the difference between the two.

What is the difference between personal loans and payday loan?

To the untrained eye, the difference between personal loans and payday loans may seem pretty arbitrary. There are, however, differences between the two.

Payday loans:

  • Usually $2,000 and under
  • Unsecured
  • Repayment terms possibly as short as 16 days

Personal loans:

  • Available from $2,100 to $15,000
  • Both secured and unsecured options
  • Repayment terms ranging from several months to years

Perth payday loans vs secured personal loans

One of the borrower’s assets guarantees secured loans. In other words, if the borrower is unable to repay the loan according to their contract, the lender may be able to repossess the asset used as security.

Due to credit providers being able to recover some of their losses, secured loans are seen to be less risky than unsecured loans. As a result, lenders are often willing to offer larger loan amounts, as well as more reasonable rates and fees.

Moreover, attaching one of your assets as security may boost your chances of approval significantly. This is, however, on a case by case basis. Finally, lenders offer secured loans at a minimum of $2,100.

What can I use as security?

Generally, lenders can accept a vehicle registered in your name as security. Specifically, lenders may be able to consider your car, caravan, motorbike or boat as security; however, this may vary between lenders.

As a result, lenders may consider you for a larger amount if you use your car as security.

Will lenders repossess my asset?

If you do fall behind your secured loan repayments, your credit provider does have a legal right to repossess your asset and recover some of the losses they incurred. This is, however, usually the final resort for lenders, and is only an option after all other avenues have been exhausted.

In addition, repossession activity can only begin once:

  1. The borrower is behind on their repayments.
  2. The credit provider has given the consumer a 30 day default notice to pay the overdue amount.
  3. Borrower has not settled the debt, reached a resolution, or filed for the repossession process to be delayed within this notice period.

Does Monzi find payday lenders?

In short, Monzi may be unable to match you with a payday lender. Instead, we will do our best to pair your application with a lender offering personal loans.

A personal loan may be an alternative to Perth payday loans. Moreover, you can spend these loans essentially like cash. So, if you find yourself searching cash loans near me in Perth, why not give Monzi a try?

Where can I spend my cash now Perth?

While some applicants use their cash loan to cover an urgent expense, others may use their funds to enjoy life in Perth. If you’re looking for inspiration, here are a few of our favourite things to do in and around Perth.

Rottnest Island bike tour

Located just 18 kilometres off Perth’s shore, Rottnest Island presents one of the most unique experiences in the world. Once you leave Perth and travel along the Swan River and across the Indian Ocean, you’ll arrive on this A-class reserve of an island, the highest level of protection granted to public land.

On the island, the only form of transport allowed is by bicycle or walking, as cars are strictly prohibited. Visitors can explore the historic colonial architecture and explore the island’s eerie prison past.

The Pinnacles stargazing

If you’re an astronomy aficionado, or just enjoy stargazing, then this tour is for you. Located near the town of Cervantes, just under 200 km north of Perth, the Pinnacles are an amazing destination, and a must-see for Perth locals and tourists alike.

During the day, visitors can wander through the thousands of limestone pillars which the Pinnacles are most famous for. Visitors are left in awe of the night sky.

With tour companies often providing modern binoculars and telescopes, guests will be able to experience the night sky like never before. For example, visitors can regularly see the rings of Saturn with their own eyes.

In addition, keep an eye out for some of the wildlife that inhabits the area. In particular, Western grey kangaroos and emus, as well as snakes and other reptiles call the national park home.

Swan Valley River cruise and wine tasting

Cruise away from the ocean and inland towards into the Swan River Valley, one of Western Australia’s oldest wine-growing regions. Moreover, you’ll be able to sample all the local produce along the way.

Guests will feel the pressures of the city wash off as Perth’s skyline shrinks slowly behind them. Before you know it, you’ll find yourself in picturesque countryside, surrounded by beautiful wine, cheese and craft beer. What more could you want?

Wave Rock tour

Perhaps one of the most iconic symbols of Western Australia, Wave Rock is estimated to be 2.6 billion years old and is as breathtaking as it is significant. In addition, check out the iconic Hippo’s Yawn while you’re there.

With informative guides, this tour is set to impress all the travellers in your group.

Do I qualify for Monzi?

If you’re one of the millions of people living in Perth, you may find yourself needing a cash injection to see you through a shortfall. While we’d love to help everyone who applies, we do have a few eligibility criteria you first need to meet. We have listed the criteria below.

  • At least 18 years of age or older.
  • Hold an Australian Citizenship or Permanent Residency.
  • Have a personal contact number and email address.
  • Have internet banking set up with at least 3 months of recent banking history.

How do I apply for Perth payday loans alternatives?

Considering looking for a lender offering instant personal loans Australia? Why not let Monzi point you in the right direction? Monzi’s lender-finder service is easy to use, and you could lodge an application in less time than you think.

Step one – apply online

Consumers simply need to head to our website to begin. From there, select the amount you wish to apply for, as well as your ideal repayment terms.

The repayment calculator shows examples of what the weekly, fortnightly or monthly repayments may look like. Keep in mind, this is only a guide. The actual cost of your loan may vary between lenders.

Once you are happy with your selection, click Apply Now and move on to the next step. Provide all the information we ask, and submit your application.

Step two – wait while we work

After you submit your application, our system gets to work doing what it does best. In short, we aim to match your application with a potential credit provider.

Step three – outcome

If you’re paired with a lender, they will first assess your application, and get in contact if they can make you an offer. Moreover, you’ll be sent a digital loan contract to look over and approve if you are happy with everything.

Lenders transfer funds once the consumer approves their contract. Depending on when you approve your contract, you may receive your funds the same day, or within one business day. Keep in mind, access to funds is always dependent on inter-bank transfer times.

payday loans Perth

Can you find me alternatives to payday loans no credit check Perth?

As the lender-finder, Monzi will not credit check your application. However, we cannot speak on behalf of the lenders within our network.

In short, if you’re looking for quick payday loans no credit check, a personal loans for people with bad credit from a lender within our network may be an alternative option.

If you are matched with a lender from our network, they may perform a credit check as part of their assessment policy. However, be aware that your poor credit history may not have as much of an impact on your chances of approval as you think.

In other words, even if a lender doesn’t offer instant loans with no credit check, they will usually focus on a range of factors to determine your outcome. This may include your:

  • income;
  • expenses;
  • banking history; and
  • employment status.

Ultimately, loans Perth no credit check may not be offered by all lenders. However, that doesn’t mean you won’t have other options.

Payday loans online

While we might not be able to deliver on a payday lender, we can do our best finding you a personal loan lender. Moreover, our 100% online application makes it easy and convenient to lodge an online loan application.

So, if you’re in the market for quick cash loans, Monzi can potentially point you in the right direction.

How can I get a $15,000 loan?

If you wish to apply for a personal loan of $15,000, be aware you will need to have an appropriate asset to use as security against the loan. This is because a $15,000 loan falls within the large personal loans category.

Moreover, the personal loans potentially offered by our lenders can be sorted into three broad categories: small, medium and large personal loans.

Small loans are available from $2,100 to $2,000. These are unsecured loans, meaning you do not need to attach one of your assets as collateral against the loan. Usually, the repayment terms for these loans are around 12 months.

Medium loans, on the other hand, require security. Specifically, these loans are potentially available from $2,100 to $4,600 and have a repayment term ranging anywhere from 13 to 24 months.

Finally, as we mentioned above, large personal loans are offered from $15,000 to $15,000. Just like medium loans, large loans require security and have repayment terms potentially ranging from 13 months to 2 years.

Repayment terms may vary between lenders.

Where can I borrow money ASAP?

If you need an instant loan in your account as soon as possible, you’ll likely need a lender that can make things happen quickly.

While Monzi is technically not a lender, we may be able to speed the process up of finding a potential credit provider. In other words, instead of spending hours applying with different lenders, you can lodge one application with us, and have your application put in front of multiple different lenders.

Moreover, our smart system may be able to find you lenders in no time. If you apply during normal business hours, you may even have an outcome within 60 minutes. This is, however, not guaranteed.

How to compare payday loan providers in Perth?

Consumers should always do a degree of research themselves before applying for a loan. Moreover, when you’re comparing different lenders, it may not be obvious as to what you should be considering. To give you more of an idea, we’ve included some aspects to contemplate when contrasting lenders:

  • Rates. Keep in mind, the payday industry in Australia is heavily regulated. As a result, there is a limit on the rates lenders can charge.
  • Fees. While rates are regulated in Australia, penalty fees and charges are not. Therefore, always pay attention to the payable fees and charges of your loan.
  • Repayment terms. Certain payday lenders may offer repayment terms as short as 16 days, while others may offer up to a few months.
  • Credit check. Some payday lenders may be able to offer payday loans no credit check Perth, while others might credit check you.

Finally, note Monzi may not be able to pair you with a payday lender.

Are there any guaranteed payday loan available in Perth?

Unfortunately, guaranteed approval payday loans aren’t available. This is because all lenders need to assess whether or not the loan product they are offering is suitable for your situation, in accordance with responsible lending obligations.

More specifically, lenders need to confirm that the loan product will fulfil your needs and objectives. In addition, credit providers must believe that you will be able to reasonably afford your contractual repayments.

Ready to apply?

Apply now. Scroll up and get started.

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Factor In Costs

You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000


16 days (minimum)

12 months (maximum)


20% upfront establishment fee

+ 4% monthly fee


Representative example based on a loan of $1000 over 6 months a borrower can expect to pay a total of $1440.

Disclaimer: Under the current legislation, all Small Amount Credit Contract loan providers don’t charge an annual interest rate. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The minimum loan term is 16 days and maximum loan term is 12 months. Representative example based on a loan of $1000 over 6 months a borrower can expect to pay a total of $1440.

Loan amount

$2,100 - $4,600


12 months (minimum)

24 months (maximum)


47.8% Annual Percentage Rate (APR)

65.85% Comparison Rate p.a.


Representative example based on a loan of $2500 over 24 months a borrower can expect to pay a total of $4,556.88.

The maximum interest rate for a Medium Amount Credit Contract is 47.8%. Comparison Rate 65.85% p.a. The maximum loan term is 24 months. Representative example based on a loan of $2500 over 24 months a borrower can expect to pay a total of $4,556.88. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Credit criteria and terms and conditions apply.

Loan amount

$5,000 - $15,000


12 months (minimum)

24 months (maximum)


47.8% Annual Percentage Rate (APR)

47.8% Comparison Rate p.a.


Representative example based on a loan of $10,000 over 36 months a borrower can expect to pay a total of $18,995.04.

This is an estimate only and the comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit.The maximum interest rate for a Personal Loan is 47.8%. Comparison Rate 47.8% p.a. The maximum loan term is 24 months. Representative example based on a loan of $10,000 over 36 months a borrower can expect to pay a total of $18,995.04. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Credit criteria and terms and conditions apply.