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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 > Last Minute Loans

Last Minute Loans

Finding loan options at the last minute or late in the day can leave you feeling rushed to make a decision, but the good news is there is a way to make an informed decision in a hurry. At Viva Payday Loans, we can show you lender offers for last minute loans in an instant all from one quick application. Whether you need $100 or $2,000, you can choose how much and how long you want to borrow for and we’ll do the rest. Our fast application process means you can choose last minute loans in Australia with minimum effort and get the cash you need quickly if approved. Click apply now to start your application and see how our loan-finder service can help you, even at the last minute.

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 Last Minute Cash Loans?

A last minute loan describes finding and applying for short term borrowing at the last minute when you have no other means to help resolve your financial situation. Similar to a payday loan, if you have an emergency expense that needs to be settled quickly or it’s late in the day and you have exhausted other options to help, last minute loans in Australia can provide the solution you’re looking for. We’ve all experienced the unexpected when it comes to our finances and it is never at a convenient time, so having last minute same day loans available when you need them will help when time is against you.

Finding a suitable lender when this happens can take time and traditional methods may not provide the fast cash solution you need, so that’s where our loan-finder service can help speed up the process. By using Viva Payday Loans, we’ll show you which lenders of last minute loans in Australia can help today, selecting those best suited to offer the loan amount and terms you’re looking for. All you then have to do is choose the lender offer you want to continue with and finish your application on their website to get a quick decision, ideal when you need a short term loan at the last minute.

Examples of Last Minute Loans

Lender Loan Amount  Loan Term  Loan Disbursement Time Fortnightly Repayment (on a loan amount of $1,500)
Nimble Loans $2,000 62 days to nine months One hour, provided conditions are met $372
Sunshine Loans $2,000 Nine to fourteen weeks 30 minutes, provided conditions are met  $396
Fair Go Finance $2,000 Three to twelve months One business day  $354

How to Apply for Last Minute Loans

It’s simple to get started and find last minute cash loans through our service. To apply today, you will need to meet the following eligibility requirements first:

  • 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.

At Viva Payday Loans, we do not lend money directly, instead we can connect you with lenders of last minute loans in Australia in a convenient and secure way. Once you have chosen a lender to proceed with, please note we have no control over the lending decision process. You should ensure that you can afford repayments and that you can provide the necessary supporting documents to the lender if required. As part of the application process, a credit check may be performed by the lender to review your credit history.

Getting Last Minute Loans with Bad Credit

Needing a loan at the last minute whilst having a low credit score may not seem ideal, but we work with a wide range of lenders who can help no matter your credit rating. Whether you have a history of bad credit or are a first-time borrower with a low score, as credit brokers we can match your details to lenders willing to help today. Whilst we cannot guarantee the outcome of any lending decision from the lender you choose, our lenders have helped applicants with many different types of credit history. If you can prove your affordability despite a bad credit history, you may find affordable loan options that can help.

Benefits of Last Minute Loans

There are many reasons for needing last minute cash loans, with the benefits of doing so including:

  • 24/7 Application – you can find and apply for last minute cash loans at any time on any day, whenever you need them using our loan-finder service.
  • Quick Cash Pay Out – if approved, you could receive the cash on the same day and possibly within 60 minutes. This will depend on the time of day and if your bank accepts faster payments.
  • Simple Approval Process – last minute loans can be applied for and assessed by the lender quickly, as long as you have the necessary information they need and supporting documents.
  • Flexible Repayments – with last minute cash loans, you choose how much and how long you want to borrow for, with term available up to 12 or 24 months depending on the amount.
  • Transparent Terms – by using our calculator, you’ll see exactly what the repayments and interest charge will be for the amount and terms you want before applying.

Apply for Last Minute Loans in Australia Online

At Viva Payday Loans, you can quickly find lenders of last minute loans able to help resolve your situation fast. Our free to use loan-finder service can be used whenever you need it, so click apply now and see what available options there are from our network of 15+ lenders.

If you require any financial help or advice, please visit MoneySmart for more information or consider other professional options.

Last Minute Loans FAQs

When Will I See Last Minute Loan Funds in my Account?

Once approved for a loan by the lender, they will work quickly to transfer the cash to your bank account. In most instances, this will be on the same day and sometimes within 60 minutes of approval, however as a credit broker we cannot guarantee the exact time. Additionally, your bank will need to accept faster payments to enable a quick transfer. Please check with the lender for more details on when you can expect your last minute loan funds to be transferred.Yes, you might also have to pay default fees or early repayment fees on last minute loans, among other fees that have been laid out by the lender in the loan agreement. 

Can I Apply For Last Minute Cash Loans Anytime?

Yes, you can apply 24/7 for last minute cash loans, however your application may not be processed the same day. If you apply outside of business hours or on a weekend, you may not be able to get same day cash as your application won’t be processed until the following working day. Please consider this before applying to avoid disappointment. Usually, the maximum amount you can borrow under a last minute loan is capped at $2,000.

Is a Credit Check Needed for Last Minute Loans?

You may be required to have a credit check performed by the lender you choose. As we work with trusted lenders of last minute loans who work to responsible lending guidelines, a credit check may be required alongside an affordability assessment. This is so the lender can ensure you are not in any financial difficulties being approving your application.