To qualify for a payday advance, or payday loan, you must be 18 years of age or over, been employed by the same employer and have held an Australian bank account for at least 3 months and receive your wages paid directly into your Australian bank account. You must have sufficient income to facilitate repayment of any funds advanced.

To qualify for a cash advance, or cash loan, you must be 18 years of age or over, have held an Australian bank account for at least 3 months and receive your wages paid directly into your Australian bank account. You must have sufficient income to facilitate repayment of any funds advanced and you must have adequate security to offer to secure your cash advance.