A Review of Payday Loans: How do they work?

If you're short on cash, then a payday loan may be for you. Payday loans are fast becoming a favourite way for Australians to access quick cash when they need it most. The payday loan reviews we have received from Club Money customers highlight the ease, flexibility and friendliness of our service. If you're ready for a payday loan, review our process below, or call our team on 1300 242 274.


Call our team

Whether you're a new customer looking to apply, or an existing customer keeping us in the loop, our team is available to talk between 9am and 9pm weekdays. Phone 1300 242 274.


Apply online

It's easy. Wherever and whenever you may be, you can apply for a payday loan 24 hours a day.

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Our loan requirements

  • You must make a minimum of $1,000 take home per month.

  • You must be 18+ years old and an Australian resident.


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Club Money Payday Loan Reviews: Why our customers choose us.

  • Unique Features
  • Ease of use
  • Flexibility
  • Honesty
  • Requirements

"You have made my life so less stressful" – Theresa

Club Money's loan features make payday loans easy, accessible, fast and flexible. Loan amounts can be matched to any small to medium expense, such as a $250 repair job around the house, or even a $1500 fast cash loan for bigger jobs like urgent car repairs.

But it's not just loan amounts that give Club Money such positive fast loans reviews. The feedback we have received from payday loan reviews highlights our accessibility (bad credit customers can apply) and our open fees and costs policies. The cost of a loan includes an establishment fee of 20%, then a 4% monthly fee thereafter.

As for penalties fees, we are flexible if you notify us of any changes in your situation that may affect your repayments. Don't believe us? Just check out some more of our payday loan reviews, or call the team on 1300 242 274 to speak to a Club Money loan officer today.


"I would easily recommend Club Money to all friends and family" – Susan

We challenge you to find any payday loan reviews that can match that! And we challenge you to find an easier way to get fast cash on the go! Payday loans can be accessed online or over the phone, and our friendly team of loan officers are ready to help with any questions you have about our service.

Getting a payday loan is simple. First, review our lending criteria to make sure that you qualify – don't worry, our criteria is quite reasonable! You may be pleasantly surprised to find that you too can get a loan. Second, apply online or over the phone. It takes minutes, and all you need is your bank details and ID. Third, we can approve you in as little as 30 minutes, then your cash will be on its way!

Finally, why not leave us positive payday loan reviews of your Club Money experience to let everyone know just how easy it is.


"I find it great that no late fees apply to customers who would like to amend payment dates." – Susan

What sets Club Money apart from our competitors? According to our fast cash reviews, it's our level of understanding and flexibility to our customers. We understand that your personal circumstances can change and that expenses can come out of nowhere. So we think this understanding should extend to our policy: we'll happily waive penalty fees for late payments if you notify us 12 hours in advance.

Yep! That's right. This means that we can waive our normal penalty fees in these cases, including a Payment Dishonour Fee ($15.00), Arrears Letter Fee ($15.00) and a Default Notice Fee ($25.00). All payday lenders charge similar fees, but we think that helping our customers stick to their repayment plans is a better outcome for everyone.

If you're having trouble managing a certain repayment, then call or email us. We'll discuss your options, adjust your repayments and waive the fee. We're about helping you get back on top, not keeping you under a pile of unnecessary debt. That's the difference!

Bad Credit History

"I really do appreciate all of your help" – Theresa

We're not going to deny that there are some payday lenders out there who do not have their customer's interests at heart. These unscrupulous lenders do their best to flash cash in front of your face, but are less upfront about fees and charges.

Our approach is to be upfront and honest about our payday loans. After all, an informed customer is a happy customer. We want to receive positive feedback and payday loan reviews, and being honest is a key part of this equation. And what we have received in our payday loan reviews so far is that our customers appreciate this open and honest approach to payday lending.

How do we do it? You can access all our policies and procedures and check them to your hearts content – everything you need to know it right there. Or, you can check our chock-a-block Resource Centre with all the latest news, articles and fast cash reviews available on our services. Or, pick up the phone and chat to one of your friendly customer service staff!


"I have not once had any troubles whatsoever" – Susan

What's the worst thing about finance options from a big bank? One common point is that these options are simply not accessible for many people, including bad credit customers. Or, that the requirements are just too high, and the loan amounts are in excess of what you really need.

A payday loan from Club Money takes care of the pitfalls of conventional finance with our flexible and easily-met loan requirements. Just how easy is it? All you need is to meet our standards of suitable lending. This includes earning at least $250 a week from a regular job, have the ability to demonstrate stable spending habits, and hold no outstanding loans. If you meet out criteria, all you need is ID and bank details, and you're good to go!

This level of accessibility is a key feature of the Club Money service, highlighted in our customer payday loan reviews. So, if you need quick cash, there's no need to worry about a bad credit history, low income, or putting up loan security – try out Club Money loans today!

Are you ready? Apply today!

So if you're thinking of getting a payday loan, then it makes sense to go with a lender who is highly regarded by its customers. The positive fast cash reviews we have received highlights just some of the benefits of going with Club Money.

Whether you need cash until next payday, or if you need something to tide over a longer stretch, we can help. With cash loans available from $250 –$1500, you'll get the money you need, fast.

Try the payday loan that is getting rave fast cash reviews around Australia. Apply for a loan today and get approval in as little as 30 minutes.



Start Your Application

!WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.