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Having a bad credit score will most often dwindle your chances of qualifying for cash loans with most traditional financial organizations. However, you may try to get a loan on any payday loan platform that works with lenders who are not concerned about your credit history.

In this article, we’ve compiled a list of the best five payday loan matching platforms you can approach when an emergency expense arises. Your need might arise from an unexpected expense with running your business or an urgent situation in your personal life. Either way, their loan application and approval process is easy and fast, ensuring you get your cash on the same day.


Plus, they offer a wide range of loan amounts from as little as $100 to as high as $5,000. Let’s take a look.

5 Best One-Hour Cash Loans with No Credit Checks in 2022

1. Gday Loans

If you’re cash-strapped and your next payday is still weeks ahead, you can always turn to Gday Loans. This platform’s services are accessible to all Aussies provided you qualify, and they have partnered with multiple direct lenders.

After completing your application, this website connects you to a direct lender who can satisfy your loan needs within the shortest time possible. Then, if the direct lender accepts your request, they’ll give you the loan agreement form to sign. The requested cash would be deposited in your bank account by the end of the day if you applied on a working day.

The direct lenders working with the Gday offer various loans such as short-term loans, personal loans, secured, and unsecured loans.

The Gday Loans User Interface is straightforward, making it easy and less stressful for customers to use. So reach out to them whenever you need 1 hour cash loans very quick funds Australia no credit check 24/7.


  • They offer cash loans without collaterals
  • Even the unemployed are welcome to apply for loans
  • They don’t conduct a credit check on applicants
  • Gday connects borrowers to lenders who offer services that can satisfy their needs
  • The application and approval process is easy and fast
  • Same-day payouts


  • You may not receive your loan on a weekend

2. Viva Payday Loans

Viva Payday Loans is one of the leading loan matching platforms in Australia. This is because this platform has partnered with various lenders who offer cash loan amounts ranging from $100 to $5,000 with repayment terms varying between 2 weeks and 12 months.

Furthermore, the loan application on this website is online, and it takes less than three minutes to complete the form. Moreover, the loan approval process takes about five minutes. Then, after signing the agreement form, they will transfer the cash to your bank account directly.

Centrelink beneficiaries and individuals with poor credit scores can also apply for Viva Payday Loans. On the downside, however, this loan platform is costly.

For example, they come with an establishment charge of 20% and a monthly cost of 4% for loan amounts that are less than $2,000. Also, their APR for loans above $2,001 can range from 20% to 199.43%.

Additionally, borrowers must:

  • Be at least 18 years
  • Have proof of income
  • Must be Australians or issue legal residency documents
  • Have a current account


  • The online application is fast and easy
  • Applicants don’t need any collateral


  • You must be an Aussie

3. Sunshine Short-Term Loans

Sunshine Loans provide payday cash loans to borrowers in less than thirty minutes. The website offers loans starting from $150 to $2,000. However, their loans are short-term and come with enormous interest rates and fees.

Like most payday loans, Sunshine Loans charge 4% per month and 20% establishment fees. However, borrowers can pay their loans before the due dates without being penalized. Typically, the repayment periods for these loans range from 2 to 4 months.

Sunshine also allows people with poor credit scores to apply for loans. Furthermore, you can still qualify even if your income comes from government benefits. 


  • Fast approval process
  • The entire application is online
  • People with poor credit scores can also apply for loans
  • There are no penalties for early repayment


  • High annual percentage rates

4. SpeedyMoney Payday Loans

SpeedyMoney Payday Loans is based in Sydney, Australia. It connects borrowers to direct lenders who offer cash loans from $100 to $2,000. Depending on the lender you’re matched with, these loans might take up to an hour to process.

Moreover, based on the information on your application, this timeframe can still be reduced to make the approval process faster. The best thing with SpeedyMoney is that they don’t concentrate on your credit history when reviewing applications. Instead, they are more concerned about your ability to pay them back.


  • Short payout period
  • They don’t concentrate on credit history
  • They offer unsecured loans


  • SpeedyMoney Payday Loans are costly
  • They charge an establishment fee of 20%
  • They’re not a long-term solution to your financial predicaments

5. Perfect Payday Loans

Perfect Payday Loans is a platform you can turn to when in a financial crisis. They link their customers to different direct lenders for quick cash loans.

The site saves you the hassle you would face when seeking loans from traditional lenders. This is because it offers you options and links you with loan services that fully satisfy your emergency financial needs.


  • People with poor credit scores are also welcome to apply for the loans
  • Their online application process is straightforward and fast
  • It gives you a variety of lenders to pick from
  • Same-day payout


  • The interest and application costs on the principal add up quickly


One Last Thing About Cash Loans in Australia

Many Australian payday loan sites offer 1-hour cash loans very quick funds Australia without a credit check, as long as you’re qualified. All the sites that we’ve highlighted above are excellent alternatives for securing a loan without hurting your credit score.