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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative example: Loan amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
WARNING: This comparison rate is true 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. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > Cheap Loans

Cheap Loans

When searching for cheap loans in Australia, you want to be able to apply as quickly as possible, with the ability to receive your money on the same day. With our loan finder service, we can connect you with an appropriate lender in an instant. Why waste hours of your time searching for cheap short term loans manually? Using our cheap affordable loan online form, you can tell us how much you wish to borrow, how long for, and see all available options straight away. Borrow up to $5000, with some lenders even offering cheap loans with no credit check.

To start your application for cheap personal loans, including cheap car loans, click apply now and fill in your details to see your lender offers.

Note: Viva Payday Loans is a lender-finder service in Australia, we do not offer financial advice. Please consider seeking independent legal and financial advice to check how the information and ideas presented on this website relate to your unique circumstances.


What Are Cheap Loans?

Cheap short term loans are ideal for those needing a simple and convenient option online. Cheap personal loans in Australia are a great option when you need an influx of cash to help keep you going when you find yourself in a financial emergency. Often our cheap personal loans in Australia can be applied for and paid out on the same day, reaching your bank account very quickly, usually within 60 minutes of approval.

How to Apply for Cheap Personal Loans in Australia

Eligibility for cheap personal loans requires you to meet a few minimum requirements first. This doesn’t guarantee you’ll be successful in your application, but will allow you to see your lender offers for a cheap personal loan in Australia:

  • Be aged 18 years or over
  • Be a current Australian citizen
  • Have a regular source of income
  • Have three to six months’ worth of bank statements available, so that lenders can offer a loan that fits in with your current financial position.
  • Be able to provide proof of your income, whether from employment, Centrelink, or other government benefits.
  • Be able to provide details of all existing liabilities, including credit card debt and any other outstanding loan obligations.
  • Have utility bills or other expense statements.

Why Choose Cheap Personal Loans Through Us?

We provide a simple way for you to find the most suitable loans, be it a cheap car loan, cheap loans for pensioners, or anything in between. Our loan-finder service can help you no matter what your credit history is like, and we can even offer some cheap loans with no credit check, amongst other cheap affordable loans. Our service can help you no matter what type of credit history you have, so cheap loans for bad credit is possible if you have the affordability to make the appropriate repayments in a timely manner. We do not lend our own money, instead, we connect you with lenders as a credit broker who can, using our free to use online service whenever you need it. You can save time with us, telling us exactly how much you want to borrow and how long you want repayments to be. We’ll then quickly show you cheap loans that are suitable and you can then continue your online application with the lender. If all goes well, you could receive your funds in 60 minutes. Please note, we have no control over the lending decision process with your chosen lender and do not provide a decision ourselves.

What Can Cheap Personal Loans Be Used For?

There are many reasons people may choose cheap personal loans in Australia, some of which include:

  • To cover an emergency expense when there are no other available means, such as savings or other available credit. We also offer cheap loans for pensioners, for those who choose to work and need a helping hand.
  • When in-between pay days and the unexpected arises, such as our cheap car loans for car repairs, boiler failure or another bill that just needs to be resolved quickly.

Whichever the reason for needing cheap short term loans, we can help you connect with lenders willing to help today. If you are looking for cheap loans with no credit check, this may not be possible as you may be required to have a credit check performed by a lender. This is to ensure your credit history is checked and will help to inform their lending decision.

Apply for Cheap Loans Today In An Instant

If you are ready to see your lender offers for cheap short term loans, click apply now to start your application today. If you are looking for further advice or assistance with your finances, whilst we cannot provide this ourselves, there are other professional options you can consider including MoneySmart.

Cheap Loans FAQs

  1. If I Have Bad Credit, Is A Cheap Personal Loan In Australia Right For Me?

    As we are a free to use loan-finder service, you can search for lender offers whether you have good or bad credit. We can help you find cheap loans for bad credit that fit your circumstances, so all you need to worry about is having the affordability for repayments. As you will need to demonstrate you can afford the loan, the lender may require you to provide additional information including your most recent bank statements. This way, even with bad credit, you could still be successful.

  2. Am I Required to Have a Credit Check for Cheap Personal Loans?

    We cannot guarantee you will find cheap loans with no credit check, with many lenders required to search your credit file. As we work with a wide range of lenders who can consider any credit history type, a credit check may only form part of the lending decision. That means when you want a loan such as a cheap car loan, you don’t have to worry about your personal credit history, but only your current affordability.