Rating based on 25 reviews

iWant Payday

  • Bad credit loans up to $2,000
  • Low-interest starting from 48%
  • Repayment up to 12 months

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iWant Payday homepage
Author iWant Payday. Screenshot of iWant Payday website.
[Accessed May 3, 2023]

iWant Payday - They have affordable loans

iWant Payday is an Australian credit provider that seeks to assist clients that are looking for a payday loan.

Emergencies happen when it is the last thing you need to be stressing about is whether you have enough money or not to handle the challenge that you are faced with. They aim to bring a sense of relief to their customers and are always an application away from helping them.

Bad credit

Bad creditors are people that were not handling their debts properly and as a result, have landed in the wrong books of the law. They are a fair credit advance provider that believes in second chances. Having said that, they welcome clients with a bad credit record and they are willing to give them the benefit of the doubt. This is to say they will do their processes and if a client meets the criteria, they will start processing the bad credit loan. Regardless of having a bad credit history, they will give you a clean slate at iWant Payday.

Can you get approved?

However, they must mention that not all bad creditors will be given the green light. If no efforts have been made by the client to cut costs and try to clear their name by being financially responsible, they may not give that specific client a blacklisted loan. In as much as they seek to make a formidable relationship with their customers, they must be willing to meet them halfway by doing their bit and keeping their end of the bargain as well.

Loan amounts up to $2,000

Clients are required to apply online for a loan. By applying online, you will be directed to a loan that has seen your application and matches your financial needs.

From there, you will communicate with your lender about any further details you might need to provide and how your loan can be processed.


After you have submitted all the supporting documents to your lender and everything is clear, you will sign for your short-term loan electronically and the money will be deposited into your bank account.

The contract stipulated the terms and conditions that are expected of you as the client and the lender. It is important that clients read through the contract thoroughly before they sign it. Once you have signed for it, it means you accept everything that is written in black and white and all systems go.

Loan amount

Clients can apply for a minimum of $400 to a maximum of $2000. This means that as a new member, you can get a lower amount but as your profile increases due to being an existing member, you will get a larger bad credit loan amount.

This has taught clients that they have to be consistent with their payments to avoid being on their bad books

iWant Payday – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 1 month to 12 months

Benefits of iWant Payday

  • Apply for a bad credit loan online
  • Loan applications can be done in 5 minutes
  • Bad credit loans have fast approvals
  • Get competitive loan deals

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

iWant Payday - They give financial assistance anywhere in Australia

Clients are more than welcome to repay their loans early. There are no fees incurred from settling your loan at an earlier date.

If anything, it gives them an indication of how serious you are about ensuring that your debt is paid off.

Affordability of their loans

Seeing that you will be dealing with the lender, they will tell you how much you qualify for after you have submitted your supporting documents. The lender may say you qualify for a less amount than the one you were hoping to get. This shouldn’t worry you, your affordability is solely based on your creditability. The last thing lenders want is to be in a position where they gave you a large bad credit loan but you can’t pay. Since lenders want their clients to be comfortable with their payment plans, they will give them a loan they can afford.

Lenders are not monsters, they are professionals that are always an email away from helping clients during a financial predicament.

Late payments

Being understanding doesn’t mean they have to bypass the procedure. Therefore, should a client be in financial hardship, they will require the client to pay for the fees incurred due to a late payment. However, they still have to let them know before the date of their payment. If they don’t, they will deem it as a missed payment and charge you even more. Feel free to talk to them whenever you face a challenge, they are here to help you.

Australia wide

When you are looking for an emergency loan, the last thing you need is to be restricted as far as location and region are concerned. At iWant Payday, their loans are available all over Australia and they have quite a few lenders to choose from. Essentially, they make sure that you get a lender you can afford and will be able to help during your financial difficulty.

Anything you want!

They believe each and everybody who wants a credit advance plan is mature enough to know what is right and wrong. They also believe they know their financial strengths and weaknesses. That said, they don’t see the point of asking a number of questions as to why you need a fast loan. All they require from their clients is assurance that they know what they doing and they will be able to adhere to the financial obligations set by them.

Customer Reviews & Testimonials

September 2018

I want Payday gave me a loan when nobody would. Thank you for helping me in my financial time of need.

Evelyn H
— Orange —

November 2018

As soon as I finished applying for my loan, I only waited for an hour before getting positive feedback.

Michael K
— Bunbury —

May 2019

The website that I Want Payday is so user-friendly!

Peter T
— Perth —

iWant Payday Contact

Contact Number

  • not available



Physical Address

Postal Address

  • GPO Box 134, Queensland, 4001, Australia

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed