Rating based on 25 reviews

Payday Rocks

  • Quick loans up to $2,000
  • Low-interest up to 4%
  • Repayment up to 12 months

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

Payday Rocks - Quick payday loans

Everyone will agree that one of their favourite days of the month is payday. You have been working hard the entire month and getting money puts a smile on everyone’s face because payday rocks.

How would you like to get that feeling again before your next payday? If you are in need of some quick cash, then Pay Rocks might have the answer you are looking for. They can assist you with a payday loan until your next payday.

Apply online

Log onto their website and complete the online application form with your personal details. Their clever system will find the loan that suits your needs. They don’t run a credit check, so a bad credit score will not affect your ability to apply.

If your application is approved, they will pay the money directly into your account within 4 hours. If your bills are piling up and your budget is getting too tight or there is an unforeseen expense that you didn’t plan for then they can help you so that you can get back on your feet and not have to stress about money.

They are a responsible lender

Payday Rocks believe in responsible lending their quick loans should be used responsibly to help you when you need a helping hand.  Their loans can be used for anything such as buying groceries, paying school fees, buying gifts, paying for vehicle repairs or other bills.

They know that you need the money in a hurry that is why if your loan application is approved today then your money will be paid directly into your account so that you get your cash fast.

Up to $1000 advance

Their payday loans allow you to borrow up to $1000 that needs to be paid back by your next payday.

The money will be paid directly into your bank account within as little as 15 minutes of your loan application being approved. As they offer short-term loans that you need to repay by your next payday they do not run a credit check, so your credit history will not affect the chance of your loan being approved.

Can you get a loan if you are currently self-employed?

If you are self-employed you can apply for a Payday Rocks loan as long as you can show what you are earning, and that money is paid into your account on a regular basis.

Apply online

To apply for a Payday Rocks Loan is simple, log onto their webpage and fill in the online loan application form with a few of your personal details. They will need the following details:

  • You first name
  • Your last name
  • The amount that you would like to borrow
  • The reason that you need the loan
  • Your employment status
  • The name of your employer
  • Your weekly income
  • Your e-mail addresses
  • Your telephone numbers
  • Details about your address
  • Final information
  • Your credit rating
  • Any current debt

Payday Rocks – Quick loan

  • Loan Type Quick loans
  • Interest Rate 4%
  • Loan Amount up to $2,000
  • Repayment 1 month to 12 months
  • Decision 4 hours

Benefits of Payday Rocks

  • Flexible repayment terms
  • A transparent loan service
  • Quick and easy loan applications
  • Bad credit loan options

Quick loan calculator

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

Payday Rocks - Many benefits associated with their loans

A payday loan might seem like a good idea when you need quick cash but if you are already struggling financially then a payday loan might not be a good idea.

You will need to pay the quick loan back on your next pay day as well as the interest so if you are already struggling this could cause you additional financial strain. 

To apply for a Payday Rocks loan, you will need to meet the following criteria:

  • You need to be at least 18 years old
  • You need to be a resident of Australia
  • You must have a regular income
  • You must have an Australian bank account that your money is paid into

If you receive Centrelink benefits you may still qualify for an emergency loan. Cases are judged after assessment of the application.

Can you afford a loan?

  • If you are struggling and would like to speak to someone about your finances, then phone them on 1800 007 007 for free from anywhere in Australia and speak to an independent counsellor for advice.
  • Arrange a payment plan with your electricity, gas or water provider to help alleviate financial pressure.
  • If you receive government benefits, then you can apply for an advance from Centrelink by calling 13 17 94

The Government’s website MoneySmart has some great financial tips and tricks on how to make your small loan work in your favour.

Payday loans come with a variety of different benefits:

  • If you are over 18 years old you can apply
  • Your bad credit score won’t affect your bad credit loan application
  • There is no long-term loan commitment
  • The repayment process is simple
  • Their service gives you access to multiple lenders
  • The application process is easy, and the outcome is almost instant
  • The rates and fees are transparent
  • You can build up your credit score by repaying your loan on time
  • Your details are safe and secure

Customer Reviews & Testimonials

Finally, a lender that understands the needs of the modern woman! Working in the office, fetching the kids from school and then rushing home for homework and cooking is not the easiest of jobs! B...

Kayleigh P
— Broken Hill —

With so many lenders out there waiting to find a new way to earn a buck I can happily announce that Payday Rocks is not one of them. Their application is totally free and they are upfront about a...

Donovan S
— Coffs Harbour —

Thanks to a payday loan from Payday Rocks I was able to make it through the month without any worries. Their rates are affordable; their repayments were altered to suit my budget. What more can a...

Theresa W
— Launceston —

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