Rating based on 22 reviews

Direct Finance Loans

  • Payday loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 12 months

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Direct Finance homepage
Author Direct Finance. Screenshot of Direct Finance website.
[Accessed May 3, 2023]

Direct Finance Loans - loan experts

Direct Finance Loans has implemented the easiest steps of applying for credit. They have ensured that Australians know where to turn to in their hour of need.

Being a lender of choice, they aim to provide a service that will put clients at financial ease. Some months are hard to get by and as a result, there may be bills that are overdue and unpaid due to having more than enough on your plate.

Fixed rates

Seeing that you have taken a payday loan, the last thing you need as a client is volatile rates. How else will you, will you be able to budget when the fees keep changing? They have ensured that they keep everything at a constant and documented rate.

No hidden fees

They are not fans of surprises that involve money unless the cash is surplus to use. Now ask yourself, why would they give you shocking surprises when they are not exactly fans either? Everything that you sign for at Direct Finance Loans is transparent, clear and documented.

Upon agreeing to the terms and conditions, they ensure that their clients are well aware of the financial obligation they are about to enter into. This way, all parties are protected and understand each role they play in paying the personal loan.

Quick online loan application

Clients that are interested in their loan options will have to fill in an online application form. The application form won’t take five minutes to complete.

They want to take care of all the financial anxiety that you have for a number of reasons. Firstly, being under a lot of stress can change every aspect of your life. Secondly, everyone needs a quick loan every now and again.

Supporting documents

After you have submitted your online emergency loan application form, you will be required to submit the following documents:

  • 100 points of ID such as a driver's License, Bank Card, Credit Card, Passport or Birth Certificate. They are basically looking for any proof of identification that is in your name.
  • 2 latest pay slips.
  • Last 90 days of your bank statements
  • A bill directed to your home address such as an electricity bill, car registration or your phone bill.


After they have received all the necessary documentation and we are happy with what they see, the payday loan will be ready and making its way to your bank account in no time.

Direct Finance – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 48%
  • Loan Amount up to $5,000
  • Repayment 1 month to 12 months

Benefits of Direct Finance

  • Loans pay out fast
  • Flexible loan terms
  • Simple loan applications

Payday loan calculator

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

Direct Finance Loans - Fast payday advances

They don’t have a problem with helping self-employed people with short-term loans. However, in order for the clients to qualify, they need to have a consistent payroll that comes into their bank account.

This means there has to be a consistent payment date that reflects as a payday on their account. Inconsistencies can be one of the reasons your loan gets rejected.

Making payments

  • Direct debit system: Most of their clients prefer this option because it is quick and easy. They set up a direct debit system that will be deducted on the agreed date of your loan.
  • Manually: Another option would be making manual payments via the bank.
  • Walk-in: Other clients prefer walking into the bank and making a direct deposit to their bank account.

Essentially, it doesn’t matter which payment option you take as long as the money will be in the bank on the agreed date.


In order to see how much you will be liable to pay as a client, you can use the loan calculator where you will see the amount and interest that will be charged on your payday loan plan.

Trouble repaying back the loan

If you have a problem with paying back the loan on the set date, you have to notify them in due course. If you don’t tell them on time, they will deem it as a skipped payment and will have to take disciplinary measures against you. If you notify them on time, they may be able to block the payment debit but you will still be liable for penalties.

24/7 Service

At Direct Finance Loans, they don’t sleep. They have a 24/7 service that will assist clients at any time of the day. The last thing they want is for their customers to think they are isolating them at a time when they need their services the most. Therefore, you can apply for a good or bad credit loan at any given time of the day and a consultant will reply to your application in no time.

Early loan repayment

Clients are more than welcome to repay their loan earlier than the expected date with no charges incurred.

Collecting personal information

The reason they require personal information is so that it is easier on their side to trace you when they require something that may be related to your online loan application. The information you give to them is for their database system only and nothing else. They will never give your information to anyone else. The only time they may disclose your personal information is when third parties request it.

Customer Reviews & Testimonials

I applied for my loan I needed to get away from my work and home and with a few minutes, I got my loan and was able to take that vacation I needed.

Ryan S
— Perth —

The application is super easy and the service is great.

Paige C
— Sydney —

The calculator really allows you to see the best way to pay for your loan off.

Sean M
— Brisbane —

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