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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 > Easy Loans

Easy Loans

Finding loan options online that are quick and simple to apply for is what most people want, so by using our loan-finder service, we’ll connect you with lenders of easy loans in Australia in an instant. You could spend hour after hour searching for easy loan lenders manually, or instead, use our easy online form to tell us how much you want, how long for and see all your options straight away. Whether you need a small easy loan of $200 for a couple of months, or a $5,000 loan over a year, we make the process as easy as possible so you can get the funds you need the same day.

To start your application for easy online 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.

How to Apply for Easy Loans in Australia

To be eligible to use our free online service to find easy loans, you’ll need 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 an easy loan in an instant:

  • 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 Easy Loans Through Us?

At Viva Payday Loans, we provide a simple way to discover the best easy online loans for you using our loan-finder service. We know it can be difficult finding trusted lenders, so we do the legwork to show you who can help. Our service can help you no matter what type of credit history you have, so easy loans for bad credit is possible if you have the ability to afford repayments. 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 easy online 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 Quick Easy Loans Be Used For?

There are many reasons people may choose quick easy loans, some of which include:

  • To cover an emergency expense when there are no other available means, such as savings or other available credit.
  • When in-between pay days and the unexpected arises, such as a car repair, boiler failure or another bill that just needs to be resolved quickly.

Whichever the reason for needing easy loans for bad credit or good, we can help you connect with lenders willing to help today. If you are looking for easy 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 Easy Loans Today In An Instant

If you are ready to see your lender offers for quick easy 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.

Easy Loans FAQs

If I Have Bad Credit, Is An Easy Loan 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 easy 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.

Am I Required to Have a Credit Check for Easy Loans?

We cannot guarantee you will find easy loans with no credit check, with many lenders required to search your credit file. The good news is as we work with a wide range of lenders who can consider any type of credit history, if you are concerned about having a credit check, this will only form one part of the lending decision process. Whilst we do not have control over the lender decision, they will consider your finances as a whole. This helps to provide you with an increased chance of being approved.

Is Viva Payday Loans an Easy Loan Direct Lender?

We do not lend money ourselves, instead, we are a credit broker of easy loans in Australia, connecting customers with easy loan options. Our service helps you save time by filling in one application to see multiple lender offers suitable for your circumstances. Then you can quickly receive funds if successful the same day, sometimes as quick as within 60 minutes of approval from the lender. Please note we cannot guarantee the exact time you will receive your funds and you should refer to your lender for more information.