7 Reasons to Take Online Payday Loans


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7 Reasons to Take Online Payday Loans

Online payday loans are an excellent way of dealing with unexpected financial distress. If you have lately found yourself in circumstances where you had to deal with unavoidable expenses after your salary ran out, taking an online payday loan could be your way out of financial misery.

Many Australians are unaware of the advantages of relying on payday loans. They are for emergencies that require instant money. Even though interest rates on payday loans might be a bit higher than other types of loans, they are very convenient.

In recent years, the payday lending sector has observed remarkable growth as more and more people are going online to borrow funds when sudden unforeseen expenses come in their way. In this blog, we will give 7 reasons to take online payday loans. Let’s begin!

What Is an Online Payday Loan?

Before we dive in, let us give you an overview of what online payday loans are.

Online payday loans in Australia are short-term loans with small principal amounts. You can apply for these loans using your mobile device or computer by sitting at home. You do not have to physically visit a lender or wait in line at banks to avail an online payday loan.These loans are usually used to take care of surprise expenses that may arise after your salary  runs out. The borrower is supposed to pay the loan off when their next payday arrives, although extensions can also be granted if the lender agrees.

All you need to do to get an online payday loan is to apply online via CashOnYourMobile’s website, wait for your application to be assessed and approved, and then get the funds deposited in your account in as little as 24 hours!

7 Reasons to Take Online Payday Loans

1. Suitable for Emergencies

Online payday loans are ideal for emergencies. No other loan guarantees funds as quickly as online payday loans do. 

Let’s assume that you have spent your salary, and your payday is still a week away. You need money because your truck needs fixing, and you can’t wait till your payday because you really need your truck to get to your work site.

If you borrow a payday loan, you can get the money quickly for your truck repair, and you won’t have to worry about going to work the next day.You won’t have to wait for numerous days just to get approved for a payday loan, and if the lender approves your application, you can get the sum of cash you need right away!

2. Simple Application Process

Since the invention of the internet, many lenders are now conducting their businesses online. This means that you won’t have to physically visit banks or credit unions anymore to apply for a loan. Such a development is advantageousfor borrowers as they can now search for loan options and fill out their loan applications online while sitting at home.

Online payday loans in Australia have a comfortable, fax-less and paperless application process. All you need to do is search the internet for a trusted online payday loan broker in Australia, fill out the application form, submit it on their website and wait for approval!

3. Online Balance Tracking Option

When you get approved for a loan, payday lending firms will grant you access to an online account where you can review your personal information, check yourremaining loan balance, and keep an eye on your repayment schedule. You will also get notified when any repayment is near. Balance tracking is a great feature that has been made possible by the online availability of payday loans. It can help you pay your dues on time and keep track of your outstanding loan balance.

4. Flexible Repayment Term

Once you have applied for an online payday loan, your lender will familiarize you with the loan repayment term conditions and options. An advantage of payday loans is that they are short-term loans so that they won’t impact your finances for a long time.

Before you consider getting a payday loan, you have to make sure that you choose a repayment term that works for you. You must ask your lender if there is any way that the loan won’t enforce heavy burdens on your finances. You can talk with your lender if they allow for a lower interest rate or lower monthly repayment, whatever works for you.

5. 24/7 Application

One of the biggest reasons to take online payday loans is their accessibility. Banks and credit institutions have fixed days and timings, and you can only avail their services during those hours. Most are unavailable over the weekends. On the other hand, online lenders are available 24/7. If you are in desperate need of cash on the weekend, you can apply for an online payday loan anytime from anywhere, even at 3 AM! A lender who offers online payday loan services can provide you with the loan amount you need.

6.No Credit Checks

You do not need to worry about credit checks when applying for online payday loans. Only a handful of firms deny loans just base on credit checks, and that too when you ask for a more considerable loan amount. You can get a loan if you have bad credit, so do not hesitate to apply. You can still qualify!

7.Confidentiality of Personal Information

If you are worried that providing your bank details and ID card information to payday loan companies is dangerous, don’t be! With online procedures, your personal information will always remain confidential. Online payday loan companies are not authorized in any way to share your personal credit information with any third parties.

Get Online Payday Loans Australia via CashOnYourMobile

So, what are you waiting for? Apply for online payday loans in Australia today by visiting CashOnYourMobile and fix your money problems via fast, secure, and instant payday loans. You can rely on us to find the best lender for your financial situation!


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A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer's next payday (This can be extended if required)

  • 18 years of age or older.
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  • Bad Credit or Centrelink Customers are welcome to apply. (Centrelink)
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If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

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Frequently asked questions

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All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

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