How it works

We make it as simple as possible to apply and be approved for a payday loan. There are no awkward phone calls, it is not necessary to fax in any supporting documents – such as payslips and proof of employment, and once approved the loan can be in your bank account in a matter of hours.

These are the three easy steps…

  1. Complete the online application
  2. Be approved instantly
  3. Sit back and wait to receive your cash on the same day

They do say to expect the unexpected. Easier said then done in our opinion. However, with payday loans there is at least now somewhere to turn when you have a bad credit rating and need an personal loan to cover yourself.

Customers through Bonza Payday will often receive the loan within the space of a couple of hours, depending on your bank and their acceptance of faster payments. What’s even better news for customers is that this same day funding carries no extra charge for you the customer.


Receiving an approval for payday loans is straight forward;

  • You must be over the age of 18
  • You must be an Australian resident
  • Currently employed
  • Possess an Australian bank account for loan funding

If you meet the above guidelines then congratulations you are eligible for payday loan approval today! What are you waiting for? Simply fill in the 60-second application form for an instant decision.

Most popular questions

How much can I be approved for?

This is fully dependent on how much you can feasibly be comfortable in repaying. By this what we mean is that if your outgoings – including the repayment of your loan, do not tally with your incomings then you will be approved for a lower amount so that you are fully able to cover your normal expenses and the loan amount, including charges. Payday loans are a great short term option but you should not be applying for more than you can repay in one payment on your next payday.

I live in the UK can I still apply for a payday loan?

We are an Australian payday loans service so therefore are unable to match customers’ from the UK with a loan. A loan website for bad credit we do recommend is and advise all UK based clients to apply there.

When do I receive my loan?

Typically loans through Bonza Payday are funded on the same day. Most times within a few hours. The time will depend on your bank and how they accept payments. If you want to make certain that you will receive the cash on the same day then give your bank a call and check to see if they accept ‘faster payments’.

Can I pay back my loan before the repayment date?

Absolutely, this is fine. If you wish to repay early simply contact a member of the support staff from the lender you were approved with. This will usually be readily available on your loan confirmation sent to you via email.

Extending your loan

We do not recommend extending your loan as this will incur further charges placed on your account. We do however understand that emergencies and the like do happen and this can result in you not being able to repay your loan. If this situation arises, please contact your lender as soon as possible.

How do I repay my loan?

Loans are as easy to repay, as they are to take out. Upon being accepted for a loan and agreeing to the loan agreement you will have agreed for the full loan amount to be debited from your account on your next payday. Usually 31 days or earlier from when you receive your loan. This date will be emailed to your more than once so should be easy to find.