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LatitudePay Alternative

There’s no denying that times are tough. The average Aussie is grappling for buy now pay later options wherever they can, with LatitudePay Australia one of the firm favourites. Those who don’t use the service but still want low-cost instalment payments only need to turn to Gday Loans as a good LatitudePay alternative.

If you’ve been wondering what your options are if you need extra cash, with or without a shop now pay later option, you’re in luck! This article presents LatitudePay Australia, tells you how it works, what it costs, and the key features, and even lets you in on a little-known secret: instant cash loans online are often better payment solutions! Once you’ve got all the info you need, we will show you how to apply for finance and answer some frequently asked questions about LatitudePay and LatitudePay alternatives.

1. How Does LatitudePay Alternative Work?

When choosing Gday Loans as a LatitudePay alternative, you simply fill out an online instant cash loan application form, wait a few minutes for approval, sign a loan contract, and get the cash on the very same day. If you loan up to $2,000, there’s no interest attached, and you get 3 to 24 months to pay. You will only pay any interest if your loan amount comes to more than $2,000. Many people opt for small cash loans from Gday Loans as a LatitudePay alternative because LatitudePay only allows shoppers to spend between $150 and $1,000, and they only have ten weekly instalments to settle the “loan.”

2. How Much Does Borrowing with Apps Like LatitudePay Cost?

Here’s the good news, using LatitudePay Australia won’t cost you anything, but there is a catch. If you’re late on your payment, you can expect to be charged $10 on balances below $50 and $50 on more significant balances.

As a great LatitudePay alternative, Gday Loans encourages borrowers to advise them ahead of time of possible late payments. That way, the borrower can avoid late payment fees, and new payment arrangements can be made. If you’re borrowing money from Gday Loans of up to $2,000, there’s a 20% establishment fee and a 4% monthly service fee expected. While fees might not seem alluring, the reality is that you can spend your cash loan money anywhere, which isn’t the case when using LatitudePay.

3. LatitudePay Alternative Key Features

You may wonder what makes Gday Loans the best LatitudePay buy now pay later alternative. The simple answer is the features! See the features below:

Flexible Cash Advance Amount

When using the LatitudePay shop now pay later option, you’re capped at a spending of $1,000. But what if you need more than that to cover the cost of a new appliance, vehicle repairs, or something more costly? When opting for an instant cash loan with Gday Loans, you can expect to choose a loan amount between $150 and $10,000.

More Time to Pay

While LatitudePay Australia offers the great convenience of 10 weeks of interest-free instalments, that only translates to two and a half months. What if you need more time to pay off your balance? This is where small personal loans at Gday Loans shine. You get between 3 and 24 months to pay.

No Interest on Loans up to $2,000

People who opt to use LatitudePay tend to do so because of the interest-free instalment payments. What if the same day LatitudePay alternative cash loan offered you the same convenience but for longer? You can take a loan up to $2,000 and pay zero interest on it and get more time to pay it off.

4. Pros & Cons of Apps Like LatitudePay Australia


Interest-Free Cash Advance

You can spend a certain amount of money without incurring interest. For LatitudePay, that amount is $1,000, whereas when using a LatitudePay alternative such as Gday Loans, the amount is $2,000.

Instant Access to Funds

Regardless of whether you use LatitudePay or a LatitudePay alternative to buy now pay later, you have the convenience of buying something you want or need now and only paying for it later. However, instant access to funds is possible with LatitudePay only when shopping with merchants registered with LatitudePay. On the other hand, you can use a cash loan from Gday Loans for absolutely anything, and once your loan is approved (which usually takes just a few minutes), the cash can be made available in your bank account within 60 minutes.


Debt Cycling

If you’re not careful or don’t handle your finances responsibly, you could find yourself in a cycle of debt. To avoid this, only use shop now pay later and instant cash loans if you absolutely have to.

5. Am I Eligible for Apps Like LatitudePay? Information

Required to Apply

If you’re signing up for LatitudePay, you only need to be 18 years old, be a permanent resident of Australia (or have a temporary visa with 12 months remaining), have a valid ID, and have a credit or debit card (Mastercard or Visa).

If you’re applying for finance with top LatitudePay alternatives such as Gday Loans, these are the eligibility requirements you can expect:

Australian Address

You must be an Australian permanent resident to apply, and you will need to provide proof of residence.

18 Years of Age

You need to be at least 18 years old to apply for a loan at Gday Loans. You will need to prove this with your Australian driver’s licence or Medicare card.

Minimum Earnings of $350 Per Week

You need to earn at least $350 per week to be eligible for a loan.

Supporting Documents

You need to have your supporting documents on hand, including your bank statements, pay slips, ID, and proof of residence.

Valid Bank Account

You must have a valid bank account for the lender to pay the money into and also so that a direct automatic debit can be set up for your monthly instalment payments.

6. How to Apply for Apps Like LatitudePay Australia

If you’re interested in apps that allow you to buy now pay later, then signing up for LatitudePay Australia is probably an option for you. To do this, all you have to do is click on “Sign Up” and then select whether you want to sign up for a small buys account that comes with no charges or a bigger buys account that allows $10,000 purchases with monthly fees attached. Simply follow the prompts to complete the process.

For those opting for a great LatitudePay alternative, it’s quick and easy to apply for a same day cash loan with Gday Loans. In fact, the entire process from start to finish takes just a few minutes. Once your loan is approved and your contract signed, it takes around 60 minutes to receive your funds. At worst, you can expect them the very next day. Here are the steps to follow:

Step 1 - Open the Application Form and Fill it In!

To get a loan so that you can shop now pay later, you have to ask for one. The loan application form that’s located on the top right-hand side of the Gday Loans website is the perfect way to do that. Simply click on “Get Loan” and spend a few minutes inputting your personal details.

Step 2 - Submit the Form & Wait a Few Moments

Once the form is complete, submit it and wait for an outcome. This doesn’t take long – the automated system is designed to save you time! If a lender cannot assist you by some chance, you will receive a notification on the screen letting you know. If a lender can help you, you will be transferred to their website to consider their offer and finalise the deal.

Step 3 - Consider the Contract & Sign It

Quotes through the Gday Loans website are obligation-free, which means you can turn it down if you’re not satisfied. That said, if you like what you see, the lender will send you a contract. Read through it, sign it, and send it back onto them. If all is in order, they will approve the loan, and the funds will be released into your bank account in little as just 60 minutes.

7. LatitudePay Alternatives

LatitudePay Australia isn’t for everyone, and if you’re looking for more flexibility in terms of loan amounts, merchants, and repayment terms, you may want to consider another buy now pay later option. The following options are some of the best LatitudePay alternatives on the market – both of which are available via

Personal Loans with Gday Loans

With a personal loan from Gday Loans, you can borrow between $150 and $10,000 with 3 to 24 months to pay. Unlike instalment payments with LatitudePay Australia that can only be set up with registered merchants, borrowers who get funding from can decide where and how to spend their money without merchant limitations. When applying for personal loans online with Gday Loans, the payout usually happens within one hour of approval, meaning you can get the cash you need to do with what you wish without having to wait around.

What’s great about personal loans with Gday Loans is that your credit score plays little to no role in the outcome of your loan application. If you are earning the minimum stipulated amount and can prove that you can comfortably afford your current monthly expenses plus the loan instalments, you should be eligible for a loan.

Payday Loans with Gday Loans

Most payday loans with Gday Loans are in direct competition with LatitudePay Australia because they are small amounts that can be easily paid off in a few weeks or a few months. At Gday Loans, the payday loans are any amount between $150 and $2,000, but if you need to borrow more, many of the lenders available can provide up to $10,000.

8. FAQ's

What Can I Use Instead of LatitudePay?

If you’re looking for a legitimate LatitudePay alternative, applying for a small cash loan through Gday Loans is a great option. It’s just as quick to get the cash you need, you don’t pay interest on loans up to $2,000, and your credit score doesn’t influence the loan outcome.

Does LatitudePay Do a Credit Check?

Yes, LatitudePay does a credit check on each applicant. You need a reasonable credit record to make use of LatitudePay. This is not the case when you use a LatitudePay alternative, such as the various payment solutions at With Gday Loans, an affordability assessment is used to determine if you can genuinely afford the loan.

Does LatitudePay Affect My Credit Score?

When applying for a LatitudePay Australia account, the company will carry out a soft credit check to determine your credit score. Soft credit checks don’t have the same impact on your credit score as a hard credit check does. That said, if you miss your instalment payments, your credit score may be negatively impacted.

Who is Eligible for LatitudePay?

To make use of LatitudePay buy now pay later you must be at least 18 years old and be a permanent resident of Australia. You must also have a credit card or debit card. To make use of the best LatitudePay alternative, you need to earn at least $350 per week.

Is LatitudePay Better Than Small Cash Loans?

Not necessarily. Small cash loans offer various perks that LatitudePay Australia cannot. For instance, the free version allows a maximum of $1,000 spend, whereas small cash loans at Gday Loans range from $150 to $10,000. Also, small cash loans can be repaid over 3 to 24 months, whereas LatitudePay Australia requires the cash advance to be settled within ten weeks.

What Does LatitudePay Cost?

The shop now pay later feature offered by LatitudePay Australia is an interest and service fee free service that allows customers to spread the cost of their purchases over 10 weekly instalment payments. You can make purchases to the value of $1,000 and pay just 10% upfront.

How much would you like to borrow?

  • Quick
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100% Safe and secure. Apply with confidence, your privacy is always protected.