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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.
You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender
Loan amount
$300 - $2,000
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.
Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. 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
Loan amount
$2,001 - $4,600
Maximum charges:
48% interest rate and a $400 establishment fee (Comparison rate 66.07%) based on $2,500 repaid over 24 months.
Illustrative example:
Loan amount of $2500 over 24 months repayable monthly (24 monthly repayments). $2,500 (Principle Amount) + $400 (Establishment Fee) + $1,664.80 (reducing interest) = $4,564.80 total repayable over 24 months with monthly instalments of $190.20. 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.
The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.
Loan amount
$5,000 - $10,000
Maximum charges:
48% comparison rate based on $10,000 repaid over 36 months.
Illustrative example:
$10,000 borrowed over 36 months repayable monthly (36 monthly repayments). $10,000 (Principle Amount) + $9,038.96 (reducing interest) = $19,038.96 total repayable over 36 months with monthly instalments of $528.86. 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.
The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. 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. Click here to see a worked example.
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.