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How to Apply for Instant Payday Loans in Australia Instant payday loans can be an easy way to get money to meet your requirements if you have a regular source of income, even if you have a bad credit history. If you are looking for a quick and fast alternative to fulfill your short-term financial needs, small payday loans bad credit can be a good solution for you. Many of you might need some money until the next payday to meet your financial requirements.