Updated October 9, 2026 · BorrowCue Editorial Team

Top payday and short-term loans compared in Australia

30 lenders available in Australia, ranked for Australia.

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Top payday and short-term loans compared in Australia
#	Lender	Score	Key facts	Actions
1	BeforepayTop pick	8.8/10	Loan amount: A$50 to A$2,000 APR: 24% Term: 62 months	Review Compare Visit
2	Credit24	9.0/10	Loan amount: A$500 to A$10,000 APR: 24% to 47.9% Term: 6 to 36 months	Review Compare See alternatives
3	Cash Train	8.9/10	Loan amount: A$200 to A$2,000 Term: 2 to 12 months Arrangement fee: 20% establishment fee plus 4% monthly fee (Cash Loan)	Review Compare See alternatives
4	Cash Plus Kosovo	8.8/10	Loan amount: €200 to €7,000 Term: 6 months Credit check: Hard	Review Compare See alternatives
5	Finandos 3-day trial period for the loan-matching service: EUR 0.99 for 3 calendar days	8.5/10	Loan amount: €500 to €10,000 APR: 30% to 365% Term: 12 to 120 months	Review Compare See alternatives
6	Szybka Gotowka Polish online lender offering loans of up to 20,000 zl with terms of up to 65 days, paid to the account.	Not rated		Review Compare See alternatives
7	Minicredito24 Spanish online microcredit provider; the site states the first loan is free at 0% and that applications are completed online in minutes.	Not rated		Review Compare See alternatives
8	Microcreditos24 Spanish site for quick online microcredits, available 24 hours a day, with a first loan offered free of charge.	Not rated		Review Compare See alternatives
9	ViaSMS Czech online lender offering quick loans of up to 40,000 CZK, processed within minutes.	Not rated		Review Compare See alternatives
10	Credit Kasa Ukrainian online lender offering loans and microcredits paid to a bank card.	Not rated		Review Compare See alternatives

Licensed in Australia

Beforepay: Australian Securities and Investments Commission
Credit24: Australian Securities and Investments Commission (ASIC)
Credit24: Australian Prudential Regulation Authority (APRA)
Cash Train: Australian Credit Licence (regulator not named on page)

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Beforepay

Top pick for Australia

8.8/10Visit