Loans from $50 to $5000

3 to 36 month repayment terms

You earned it so!

Best Payday Loans Australia

In financial difficulty? struggling with bills? sometimes the quickest and cheapest way to get you out of a scrape is with a short term loan.

What ACDS Offer

ACDS offers a wide range of short term loans so we can ensure our customers receive the very best rates best based on their current circumstances. We take all the leg work out of shopping around so our customers don’t have to so they have the peace of mind they will get the best possible rate applying via ACDS.

We just need some basic information from you and our lenders will make a decision in real-time whether you’ve been accepted for a loan, in a few minutes from now you could have the cash to spend on whatever life has thrown at you.

Having bad credit isn’t the problem it used to be, so don’t let that put you off applying, here at ACDS we understand everyone’s financial circumstances are different and have chosen a panel of lenders to help with everyone’s financial background.

About us

Acds have been in the Australian market for the last ten years activily finding the best loans at the best rates for our customers. We pride ourselves on finding you the best loan in the market first time every time…

Why would you use our service!?!

Not only are we Australians finest loan finding service, we don’t charge any fees and the process only takes 5 mins from start to finish. We have connections with every lender in the market and make sure you get what you need.

Don’t take our word for it, see what our customers say!


I’ve used acds on several occasions when I’ve come a bit unstuck at home and had to get my shower fixed at home didn’t want to go down the billabong. They got me right out of the croc creek and found me the moolr i needed really fast that same arvo.

DAYANA MARRY (Credit Representative Number – 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).

ACDS is not a lender and does not make credit decisions. ACDS matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

Consumer Advisory: ACDS is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.