Best Buy Now, Pay Later Loan Apps with Guaranteed Approval


Buy Now, Pay Later (BNPL) apps allow you to buy what you want today while spreading payments over time.

Many merchants accept different payment methods, so chances are your favorite store accepts at least one BNPL option. You can meet your current demands, stick to your budget, and avoid costly credit card debt by using an BNPL app.

Below are some of the best loan apps to buy now and pay later in 2022:

1. Gday Loans

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Gday Loans is one of the biggest payday loan platforms, offering loans to people who need money fast.

The online application procedure is simple. After completing the form, you will receive a response in less than three minutes. The site offers loan amounts ranging from $200 to $5,000 with terms ranging from 1 to 24 months.

Once you have received and verified your application documents, the lender will send you the loan terms of the agreement, which you will need to sign before the funds are sent to your account. Interest rates vary by loan, but most charge between 5.99% and 35.99%.

If you need to buy now, pay later, without instant credit approval, you can apply for Gday loans, which usually only take a few days to be approved and released.


  • The application process is simple and quick approval.

  • A wide range of loan amounts are available, ranging from $200 to $5,000.

  • Payment is made the same day.

The inconvenients

2. Viva Payday Loans

Viva Payday Loans was founded to help people obtain payday loans in Australia and receive payday financing options when needed. You need to do an easy registration with Viva Payday Loans if you want a real payday loan to be paid off in one month, a personal loan for up to 12 months or even longer.

Approved applicants can acquire loans ranging from $200 to $5,000 from reputable lenders with repayment terms ranging from 2 to 24 months. Completing a loan application form on the Viva Payday Loans webpage takes approximately 2 minutes.

If your personal loan application is successful, the team will connect you with one of the many terrible credit personal loan providers, who will then decide whether or not to grant you the necessary amount. Viva payday loan interest rates range from 20% to 199.43%.


  • Payments are available the same day.

  • The application process takes less than 5 minutes.

  • Up to $5000 in loans are available.

The inconvenients

3. Sunshine Short Term Loans

Sunshine is a website that offers short term loans ranging from $150 to $2000. Loan terms range from 9 to 24 weeks, with the option to repay the loan early without incurring additional fees.

Consumers with bad credit can still qualify for loans on the Sunshine platform. A start-up fee of 20% and a monthly fee of 4% are charged on loans. Those receiving Centrelink payments can also apply if their benefits do not exceed 50% of their earnings.


  • Loans of up to $2,000 are available. The frequency of your income determines the recovery schedule.

  • On working days, requests are processed instantly and payments are made the same day.

The inconvenients

  • You must include employment information such as your employer’s name, contact details and Centrelink payments.

4. SpeedyMoney Payday Loans

SpeedyMoney is a Sydney-based online lender that offers up to $2,000 in overnight loans. Loan applications are available online and cash can be issued in 60 minutes or less, depending on your bank. Even if your credit history isn’t great, you can apply for and prepay the loan without penalty.

This loan is expensive, with high fees and penalties. Payday loans are not long term solutions. They charge an establishment cost of 20% of the loan amount and a monthly fee of 4%. Because they are expensive, you should only borrow if you are in a financial emergency.


The inconvenients

5. Perfect Payday Loans


Instant payday loans can be a lifesaver when you’re in a bind and payday is still a few days away. Perfect Payday Loan Apps is a small personal loan that you can easily apply for online, with credit ranging from $300 to $5,000. Payment terms vary, ranging from three to six months for small loans to twelve to twenty-four months for larger loans.

Applying online is quick and simple, and once granted, funds will be credited to your account immediately.


  • The loan application procedure is simple.

  • There are loan terms that can be extended. A guarantor is not required for the application procedure.

  • If a difficulty arises, a group of lenders will intervene to help you.

The inconvenients


The sites presented in this article will help you if you need money quickly. Therefore, whenever you find yourself in a difficult financial situation, do not be afraid to browse the sites.


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