There’s no reason to pass on that dream holiday or miss that big night out – and cash flow shouldn’t stop you living life to the full. Payday loans are designed to provide a flexible finance option when you want to pay for something that doesn’t quite fit your wage schedule or current bank balance. Payday loans between $2,050 and $5,000 get capped establishment fees of $400, and you can repay over sixteen days to two years. This type of borrowing is hugely customisable. That means you can set repayment dates to match the way you earn money. Choose to pay your payday loan off weekly, fortnightly, or monthly over a pre-agreed period – and even choose the day of the week or month, so it works around your paycheque. With the option of direct debit in place, it's easy to set and forget a payday loan.