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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 > Personal Loans Melbourne Australia

Personal Loans Melbourne Australia

If you’ve ever experienced financial difficulties and had some form of personal loans Melbourne come to your rescue, you’re already aware of the power of instant loans in Melbourne. Unfortunately, financial problems are rarely convenient, and when you need to pay for a medical expense, replace an appliance, pay for a car repair, or simply make the rent on time, there’s usually not much time to spare. With personal loans Melbourne, you can cover the expenses you need to pay for immediately, get the breathing room you need in your finances, and then focus on planning your finances going forward.

Making ends meet is a great deal easier when you have personal loans Melbourne readily available. And where better to get the cash you need in a hurry than right here at Viva Payday Loans! Of course, when considering the option of instant same day cash loans in Melbourne, you might want to determine if such a loan is the right choice for you, and you might want to find out more about the application process. Below, you will find everything you need to know about loans in Melbourne via the Viva Payday Loans portal. Just so you know, at, we offer all kinds of loans, including bad credit loans Melbourne, Centrelink Melbourne cash loans, unemployment loans in Melbourne, and even small loans Melbourne.

Personal Loans in Melbourne – How Do They Work?

Whether you’re looking for regular loans in Melbourne that are paid off over up to 24 months or personal loans in Melbourne that are paid off over 30 to 60 days, you’re sure to find what you need at Viva Payday Loans. Loans offered by the lenders on our panel follow a similar format, which means that you can loan between $150 to $10,000 and repay the loan over 3 to 24 months.

When applying for cash loans Melbourne via, you can expect up to 15 of Australia’s best lenders to consider your application. That means you make one application and have 15 times the chance of approval.  The entire application process for small cash loans Melbourne is handled online, and you can expect an outcome within a matter of minutes. When a lender agrees to provide the requested funds, you will be provided with a loan contract that you must read before signing. Once the agreement is signed and in place, you will receive the funds paid directly into your bank account.

When applying for payday loans in Melbourne, the costs involved include an establishment fee and a small monthly percentage of the total loan amount as your monthly service fee. According to Australian law, on loans of up to $2,000, there is no interest charged – that is according to Australian law!

Types of Loans in Melbourne

You can expect to encounter the following types of loans in Melbourne when making use of the website:

  • Bad credit loans Melbourne
  • Urgent cash loans Melbourne
  • Centrelink Melbourne cash loans
  • Small loans Melbourne
  • No credit check loans
  • Same day cash loans Melbourne
  • Unemployed loans in Melbourne
  • Unsecured loans in Melbourne
  • Self-employed loans
  • Secure loans

Features of Bad Credit Loans Melbourne

At Viva Payday Loans, our lenders offer bad credit loans Melbourne with the following features:

60-Minute Waiting Period for Funds

If your application for cash loans Melbourne is approved, you can expect to know in a matter of minutes. If you have all of your particulars and supporting documentation readily available (which is highly recommended), you can expect the bad credit loan Melbourne to be paid out within 60 minutes of approval. There are instances where things can take a little longer, but not usually longer than 24 hours.

Both Large & Small Loan Amounts

You don’t have to need a lot of money to take out a loan. If you just need to replace an appliance or get a bit of bridging cash to cover you to payday, you might not want to loan hundreds of dollars, and that’s where our small cash loans Melbourne come in handy. These loans are typically from $150 to $2,000 and can be paid back over 30 days to 24 months, depending on the loan type and amount. Of course, we also offer larger loans in Melbourne that range up to $10,000 and can be paid back over up to 24 months.

Pay Back Your Loan Over 3 to 24 Months

Whether you’re looking for small loans Melbourne or larger loans in Melbourne, you will be delighted to find that the lenders on our panel offer flexible repayment terms that range from 3 to 24 months.

Advantages and Disadvantages of Payday Loans Melbourne

When applying for Padyay Loans Melbourne via the Viva Payday Loans platform, you should know a little more about the advantages and disadvantages.

Advantages of Payday Loans Melbourne

No Interest on Loans Up to $2,000

When applying for cash loans Melbourne or urgent cash loans Melbourne online, you will probably expect to pay exorbitant interest rates. While it’s true that instant same day cash loans in Melbourne aren’t the cheapest borrowing option, you may be interested to know that any loans that fall under $2,000 come with zero interest attached. Larger loans may come with up to 48% APR.

Your Credit Score is Not a Determining Factor

Many people avoid applying for instant same day cash loans in Melbourne via platforms like because they have a poor credit score or have no credit score at all – they fear this will impact their application outcome. While it’s true that some lenders like their borrowers to have excellent credit histories, it is not the case with the lenders we have on our panel. At Viva Payday Loans, we offer our clients the opportunity to connect with lenders most likely to approve their loan, regardless of their financial past. That means we offer the likes of unemployed loans in Melbourne, bad credit payday loans Melbourne, and Centrelink Melbourne cash loans too.

100% Online Process

Another thing that may put you off applying for personal loans Melbourne is the concept of standing in a long queue, having to take lengthy phone calls when you have to be at work, or not having access to a printer to print out and sign the loan contract. When applying for a loan via the Viva Payday Loans website, you have the convenience of an entirely online process. You can even sign your contract digitally!

Disadvantages of Loans Melbourne

High Interest on Loans Above $2,000

Most people expect quick cash loans Melbourne to be devastatingly expensive, and while they aren’t the cheapest form of borrowing, they aren’t all that expensive. Especially when you consider the quick decision-making and swift payout processes. That said, the APR charged by some lenders on quick cash loans Melbourne can be as high as 48% on loans of $2,001 and above. Some lenders do negotiate lower interest rates, so you may get away with a lower cost.

Eligibility Criteria for Cash Loans Melbourne

If you meet the following criteria, you’re eligible for cash loans Melbourne via the Viva Payday Loans website:

  • $350 per week minimum earnings
  • At least 18 years old
  • Permanent Australian residents only, with proof of address
  • A valid form of ID

That said, you may be requested to provide supporting documents when applying for cash loans Melbourne.

You can only qualify for Centrelink Melbourne cash loans if you can prove that Centrelink provides no more than 50% of your income. You must also have proof of income handy if you’re applying for bad credit loans Melbourne. The lender will want to see that your current income can currently afford your regular expenses plus the additional cost of the loan. If you plan to apply for unemployed loans in Melbourne, ensure that you have proof of an acceptable form of income along with you. This includes your tax returns, bank statements and income statements.

Application Process for Melbourne Cash Loans

You can apply for Melbourne personal loans by following these steps:

Step 1: Locate and Fill in the Online Application Form

To get instant same day cash loans in Melbourne, you will be required to share your personal particulars with lenders. You only fill out one form, which is used for consideration by up to 15 lenders. To locate the form, look at the top right-hand side of your screen and click on “Get Loan.” Once the form is complete with your details, submit it.

Step 2: Get a Decision

When applying for Melbourne cash loans, waiting for an outcome is usually the most excruciating part. The good news is that the lenders on our panel offering personal loans Melbourne believe in speedy turnarounds, so they provide an outcome within a matter of minutes. If a lender can help you, a message will advise you of such. If no lenders can help you, you will receive a message stating such. If you’re happy to proceed, you will be transferred to the lender to finalise your contract.

Step 3: Get Familiar with the Contract Terms, Sign the Agreement – Get Paid

Whether you’re applying for Centrelink Melbourne cash loans, bad credit loans Melbourne, unemployed loans in Melbourne or just regular payday loans in Melbourne, you will need to familiarise yourself with the contract details and ask for clarity of anything confusing. Once you’ve done that, sign the contract, and provide any supporting documentation requested. If all is in order, the loan will be approved and the money will be transferred into your account. This doesn’t usually take longer than 60 minutes but can take up to 24 hours in some cases.


What Proof of Payment Can I Use if I am Self-Employed?

If you’re applying for unemployed loans Melbourne, you can use your income statements, bank statements, and tax returns as proof of income. These should be sufficient to prove that you have the required income.

If My Credit Score Isn’t Important to My Loan Application, How Does the Lender Determine Eligibility?

When applying for loans in Melbourne via, you don’t need to worry if you have a bad credit score. Most of our lenders offer bad credit loans Melbourne. To qualify for such a loan, you must earn the minimum required income and prove affordability. Most lenders will do an affordability assessment to determine if you can, in fact, afford the loan. They will tally up your monthly expenses and compare it to your current income. Keep in mind that lenders can confirm your expenses using your bank statements, so it’s best not to mislead them on your initial application form.

I Need Money for an Urgent Expense Tomorrow. Can You Guarantee I Will Have it in Time?

The payout process can vary from lender to lender. In general, the lenders offering instant same day cash loans Melbourne via Viva Payday Loans try to pay out loans within 60 minutes. In some cases, the loan payout can take up to 24 hours. Have your personal particulars and supporting documents ready when you make the initial application to ensure a speedy payout process. Apply on a business day during business hours – as early in the day as possible.

Are There Unemployed Loans in Melbourne Available?

When hunting for unemployed loans in Melbourne you will find that there are plenty available through the Viva Payday Loans platform. That said, being unemployed doesn’t mean that you don’t have to meet the minimum eligibility criteria. You still need to prove that you earn some form of income (no less than $350 per week) and that you can afford the expense of the loan instalments.

The Only Income I Receive is from Centrelink – Can I Apply for Centrelink Melbourne Cash Loans on

Unfortunately, you cannot. You can only apply for a Centrelink cash loan via our platform if at least 50% of your income is from a source other than Centrelink.

Why Are Online Cash Loans More Expensive Than the Local Bank Loan?

The higher cost of online cash loans Melbourne is risk-related. The lender takes on an increased risk to offer individuals instant decisions, fast payouts, and the unknown of whether or not the borrower will pay. If you’re unable to get a bank loan, the chances are that you will be able to get an online cash loan. Such convenience comes at a cost.

What is the Most I Will Be Charged on Same Day Loan in Melbourne?

If your loan is below $2,001, you won’t be charged any interest. The maximum charges you can expect is a 20% establishment fee and a 4% monthly service fee. If your loan amount is $2,001 and above, you can expect to pay interest of any amount up to 48% APR.

My Cash Loan Application Was Rejected – Can I Appeal the Decision?

Appealing the decision may have the same outcome unless you’re able to provide new information that is favourable. What you can do is find a close friend or relative to co-sign the loan with you. In the event that you stop paying the loan, it will become the co-signatory’s responsibility to settle the loan. Of course, you should only go this route if you can actually afford to pay for the loan.

What Does it Cost to Apply for Cash Loans Melbourne on the Viva Payday Loans Website?

There is no cost to make use of our online service whatsoever.

What Can I Use a Cash Loan to Pay for?

The lenders on our panel will not interrogate you on the purpose of your loan. Most people use their cash loans to pay for studies, car repairs, household repairs, buying a new appliance, and paying for unexpected expenses and emergencies.