24 Hour Loans From $300 To $10,000 – Fast Cash When You Need it

Do you need a cash loan? 24 hour loans might allow you to apply at the perfect time for you. Late at night or in the morning, Monzi’s 100% online lender-finder service is available. Apply today and we might match you with an Aussie lender offering cash loans from $300 to $10,000. Any time, anywhere. It’s quick, easy and hassle-free. Get started today!

Apply for 24 hours loans today

24 hour loans are credit products that you can apply for at any time of the day. It could be the middle of the night or the crack of dawn. If you decide to apply for a loan, then this might be the option for you.

Through Monzi, you can apply for 24 hour cash loans from $300 to $10,000. While it might not be possible to receive an outcome outside business hours, we might be able to match you with a lender ASAP. From there, you might be offered a loan today. Before you know it, you could receive the cash you need.

24 hour cash loans are 100% online. You can apply from the comfort of your home or from anywhere you choose. Keen to get started?

Apply now with Monzi.

Monzi: 24 hour cash loans at your fingertips

If you need a loan, first, you need a lender. Often, this is the most difficult step. After all, if you’ve done any research, you might have discovered that there are dozens of credit providers currently operating in the market.

That’s where Monzi comes into the frame. We are not a lender. We are something different. Monzi is a lender-finder. So, we won’t offer you a loan. Instead, we might be able to do the hard work for you when you need to find a credit provider fast.

With Monzi, you just need to submit one application. Choose your loan amount from $300 to $10,000 and provide the necessary details. Once we receive your application, we’ll aim to match you with an Aussie lender in just 60 minutes. Oh, and did we mention that you can apply 24 hours a day?

Get started with Monzi today. Avoid the stress and hassle. Let Monzi do the work for you. We could put you in touch with a lender in no time.

Apply now.

Is 24 hour loan approval possible?

Not quite.

Lenders won’t work around the clock. Instead, they’ll have regular opening hours like most other businesses that you encounter. While Monzi might match you with a lender at any time, 24 hours a day, your application may not be assessed until the next business day.

As a result, if the clock has just struck midnight and you decide to log onto the Monzi website, don’t expect to receive fast cash in minutes. Once your lender returns to the office, they will get started on processing your application. If everything goes to plan, you might receive an outcome within 24 hours of applying.

Can I get 24 hours loans if I’m unemployed?

You might find that 24/7 loans for unemployed Aussies are hard to come by. In short, if you don’t have a job, then you may not be earning a regular income. Without income, lenders won’t approve your application, given that you won’t be able to make the associated loan repayments.

That said, some lenders might offer instant loans to Centrelink customers. In other words, they may treat your benefit payments as income. If you are earning enough to meet the necessary criteria, you may be offered a loan.

Ultimately, though, if you are unemployed, it’s usually best to avoid debt and borrowing money. Personal loans can be expensive. As a result, try to look for alternatives (e.g. additional government support).

What about no credit check loans 24/7?

Do you want 24 hour no credit check loans? You might not want a lender to uncover your past borrowing mistakes. Maybe you defaulted on a loan or missed some repayments.

While this is a common approach, it’s worth understanding that Monzi cannot guarantee if you will be offered cash loans online without a credit check. In short, lenders have their own assessment policies. In most cases, credit checks are included in this.

While lenders may bypass credit checks in some unique circumstances, they’ll usually be unavoidable. Luckily, credit checks aren’t always the cornerstone upon which your outcome is based. Lenders might consider your current financial situation too. As a result, bad credit won’t always be the end of the story.

Do payday lenders operate 24 hours a day?


It’s unlikely that you will find a lender who operates 24 hours a day. This includes both payday lenders and lenders offering personal loans. While you may apply 24 hours a day, loan assessments will usually only be conducted during certain windows (e.g. between 7am and 7pm).

As a guide, payday loans usually refer to small loans up to $2,000, designed to address minor cash shortfalls. Unfortunately, these loans might come with brief repayment terms that can be unmanageable for some borrowers.

At Monzi, we aim to match you with lenders offering personal loans from $300 to $10,000. With potential repayment terms between 12 and 24 months, you might be able to divide your costs into affordable instalments.

Again, though, you might not be approved for a loan 24 hours a day. Lenders will do their best to provide fast outcomes. Usually, though, this will only be possible during business hours.

Are there any 24 hour short term loans?

Yes, of course.

If you apply for a loan, you might not want it to follow you forever. As a result, short term loans might seem like the most attractive alternative. Through Monzi, you can apply for these loans up to $2,000. With repayment terms of just 12 months, you could repay what you owe in what feels like the blink of an eye.

Best of all, short terms loans are unsecured loans. So, you can avoid the hassle of attaching one of your assets as security.

However, if you do need to borrow a little more, that’s OK too. You can apply for loans up to $10,000 that you might repay over terms of up to 24 months.

What should I do if I have bad credit?

Bad credit isn’t necessarily the weight that it used to be. While it can limit your ability to borrow in some cases, there are many online lenders who operate differently. As a part of this, they’re understanding and often acknowledge that you’re more than just a credit score.

In short, you can apply for 24 hour bad credit loans. If you are matched with a lender, they will conduct a comprehensive assessment. Usually, this will include a credit check. However, lenders will consider your income, employment status and budget too.

If you meet the necessary criteria and can demonstrate that your poor borrowing habits might be a thing of the past, you might be offered a loan with bad credit. Just keep in mind that approval is never certain and is ultimately at your lender’s discretion.

Apply 24 hours a day with Monzi

Whether it’s 8am or 8pm, you can apply with Monzi. We don’t close our website down at night. Instead, you can apply at the time of day that suits you best. As a result, day or night, it doesn’t matter.

When you’re ready to apply, just follow these easy steps:

  1. Choose a suitable loan amount and manageable repayment term (if applicable) using Monzi’s loan slider at the top of the page.
  2. Follow the instructions and provide the necessary details to complete Monzi’s online application form. Then hit ‘Submit.’
  3. You can put your phone down or turn off your computer. Monzi will take over and our automated system will aim to match you with an available lender from our network.
  4. Check your notifications as we will contact you with an outcome. If you apply during business hours, you might receive your outcome in just 60 minutes. If we match you with a lender, they will contact you to begin the next steps.

Keep in mind that approval is never guaranteed. To be offered a loan, you must meet a lender’s necessary qualifying criteria.

Am I eligible?

While we jumped ahead a little bit by outlining how you can apply with Monzi, first, you must confirm that you are eligible. With this, ensure that you check the following boxes:

  • Australian citizen or permanent resident.
  • At least 18 years old.
  • Possess an active email address and mobile phone number.
  • Earned regular income, deposited into an online bank account for the past 90 days.

If you are ineligible, then your application with Monzi won’t progress and we will be unable to match you with a lender.

24 hour loans available around the clock

Is Monzi a direct lender?


Monzi is not a direct lender, meaning we cannot offer 24 hour direct loans. Instead, as we’ve mentioned already, we’re a lender-finder service.

While using a lender-finder might seem like a hassle, this couldn’t be further from the truth. At Monzi, we can make things easy for you.

Rather than spending your precious free time scrolling through search results, just submit one easy application right here. Before you know it, we might match you with an available lender who will then contact you. From there, you may be offered cash loans from $300 to $10,000.

So, if direct loans aren’t the be-all and end-all to you, let Monzi do the heavy lifting. Apply with us 24 hours a day. Use the loan slider at the top of the page to begin your application now.

Can I get a loan in 24 hours?

Yes, absolutely.

You can get a loan in 24 hours. In some cases, you can even get your loan on the same day that you apply. After all, lenders work fast and endeavour to provide you with an outcome ASAP. So, if you can’t afford to wait, Monzi could put you in touch with a lender in seemingly no time.

That said, when looking for fast approval loans, there are some boxes that you must check. To ensure your application goes off without a hitch, you must apply during business hours and provide the necessary details. Those two actions alone may help you get an outcome today.

Finally, keep in mind that Monzi cannot guarantee how long it will take. Processing times vary. While you can certainly get a loan in 24 hours, you may deal with more waiting time than anticipated in some scenarios (e.g. applying on the weekend).

24 hour instant cash loans: Monzi explains

Got no time to waste? Applying for a 24 hour instant cash loan might seem like a viable option. After all, you can borrow money today and repay it in manageable instalments over a fixed term.

While instant cash loans often come with fast outcomes, it’s important to recognise that you won’t receive an outcome instantly. Instead, as per Australia’s lending laws, credit providers must take some time to review your financial situation. With this, they might check your credit and assess your bank statements.

Given this, you will always experience some processing time. While in some cases it may be brief, keep this in mind before getting caught up in the alluring promise of instant approval. As a guide, a 24 hour instant loan might be processed so fast that it feels like you’ve had little time to wait.

Weekend outcomes: are they possible?

In some cases, they might be.

If your weekend gets turned on its head by an expense you hadn’t foreseen, you might be searching for loans deposited on the weekend or payday loans open on Sundays. Whatever the case may be, weekend loan applications are a tricky area.

Lenders have operating hours just like any other business. While usually, they’ll be open Monday through Friday, some may process applications on Saturdays too. As a result, it might be possible to get a weekend outcome on your loan.

If approved, your lender will transfer your funds to you. However, as some banks don’t process transfers over the weekend, you might need to wait until the following business day to spend your cash.

Ultimately, 24 hour weekend cash loans might be available. Just be aware that delays are common. Your application may not be processed until the next week begins.

Is it possible to get a loan over the phone?

Not quite.

These days, most lenders allow you to apply online. As a result, it’s possible to get a loan on your phone. However, you might not get a loan over the phone.

Through Monzi, we won’t call you at any stage. All correspondence will be via text or email. If you are matched with a lender, they will reach out. In many cases, they may call you to discuss your application and run you through the assessment process. As a result, it’s handy to keep your phone close by.

Again, though, you almost certainly cannot apply over the phone. Instead, you’ll need to submit a digital application and provide all the necessary details. For instance, lenders may need your income details, employment information, ID and much more. Realistically, it shouldn’t be too difficult.

24 hour emergency loans for when things go wrong

When a cash emergency hits, it’s usually at the worst possible moment. It might be on the weekend or it could be late at night. Whenever it is, you might find yourself looking for 24 hour emergency loans to address the issue.

Luckily, Monzi knows many lenders who can offer a wide variety of emergency loans. You can apply from $300 to $10,000. If approved, you might use your loan to cover anything from emergency home repairs to last-minute travel or paying an urgent bill when the due date is fast approaching.

Ultimately, emergency cash may be available when you need it. Through Monzi, all it takes is one application. Just ensure that you have considered every possible alternative. While a fast loan might solve a problem today, you must take into account any long-term costs or consequences.

Do I need a guarantor on 24 hour loans?


Guarantor loans might be an option if you apply for a car loan or home loan. However, they typically aren’t offered for personal loans. As a guide, a guarantor uses one of their assets to secure your loan. That way, you might avoid paying a more significant deposit.

With personal loans, the alternative is a secured loan. As a guide, 24 hour secured loans range from $2,100 to $10,000. If you apply, then you must own an eligible asset (e.g. car, boat, caravan) and have it registered in your name. Should you default on your loan, your lender may be able to repossess the assets to recover any outstanding money you owe.

If you cannot apply for a secured loan, then you might still be able to access unsecured personal loans from $300 to $2,000. While these loans are smaller, you won’t need to worry about providing an asset as security.

Small loans 24/7 no hassle

In most cases, you don’t need a large loan. Instead, you just need a small loan to bridge a gap. At Monzi, we can help you when something minor has left a dent in your budget. You can apply for small loans today from $300 to $2,000.

Available 24 hours a day, these loans with short term repayments could allow you to address an issue today and have your debt repaid in just 12 months. With fast outcomes and no-hassle applications, Monzi might be your first port of all. Let us try and match you with a lender today.

Don’t do the heavy lifting yourself, Monzi can do it for you. Apply today.

I’m on Centrelink: can I borrow money?

Yes, potentially.

Some lenders offer loans to Centrelink borrowers. Moreover, you can apply for these Centrelink loans 24 hours a day. However, approval is not guaranteed.

To put things into perspective, lenders vary in how they view benefit payments. While some may treat these payments as income, others may not. Moreover, in some cases, these payments cannot be your primary source of income.

Given this, your outcome may vary depending on the lender you are dealing with. While it is certainly possible to be offered a loan as a benefit payment recipient, you must be earning sufficient income to cover your loan repayments and current expenses. Often, for low-income earners, this won’t be possible.

As an alternative, it might be smart to consider a Centrelink advance payment. An interest-free advance on your benefits might allow you to access the cash you need today. Just remember that Centrelink will deduct the amount of your advance from your future payments.

24 hour loans Australia: apply now, apply whenever

At Monzi, we don’t discriminate.

Morning, afternoon or night, we don’t care when you apply. We treat every application the same and will always do our best to match you with an online lender who might offer 24 hour loans to Aussie borrowers.

That said, applications received outside of normal business hours are prone to experiencing delays. While we might connect you with a lender, they often cannot assess your claim late at night. Therefore, you might find yourself waiting until the next business day.

Given this, while you can apply now, later or tomorrow, for the fastest possible outcome, aim to apply during normal hours. If you do that, then you could potentially receive your loan outcome on the same day you apply.

I’m still waiting on my outcome: why?

As we’ve already covered, you won’t receive an instant outcome on your application. There will always be some processing time as lenders dive deep into your financial situation to determine if a loan is suitable for you.

Given this, if you are still waiting on an outcome, don’t stress. Your lender is simply doing their due diligence. Before too long, they should let you know what your outcome is. If approved, they’ll send you a digital loan contract for you to read. If you’re happy with the terms, you can sign it and send it back. From there, your lender will transfer your loan into your account.

Finally, remember that while you can apply for 24 hour loans, lenders can usually only process applications during normal business hours. Therefore, you’ll likely experience some waiting time if you apply late at night or on the weekend.

Why was my application denied?

Unfortunately, not every application will be successful. After all, lenders can’t offer loans to everyone. Instead, they must lend responsibly and assess your application to determine if a loan is right for you. In some cases, this might mean that you are not offered a 24 hour cash loan.

If this occurs, contact your lender directly. They may outline where your application fell short. As a guide, a lender may deny your application due to insufficient income, very bad credit, other outstanding loans or a host of other factors.

Given this, if you are not offered a loan, understand that lenders may be doing what’s in your best interests. While a loan could allow you to address an issue today, the associated repayments and cost down the line might be unmanageable for your budget.

Finally, remember that if you are unsuccessful, you are welcome to apply with Monzi again in the future. Just ensure you take some time and do your best to develop a more secure financial position.

24 hour cash loans Australia-wide

Not only can you apply 24 hours a day with Monzi, buy you can also apply from anywhere in Australia. That’s right. As we operate online, we’re not bound by traditional limits. As long as you have a device and an internet connection, you can log onto the Monzi website and get started.

If you’re in the far reaches of this great country, this can often be a welcome relief. After all, you probably don’t want to make the arduous journey into town to visit a physical branch location. So, whether you need fast cash in Darwin, easy loans in Toowoomba or straightforward credit in Adelaide, Monzi can point you in the right direction today.

While we cannot guarantee if your application will be successful, we aim to help as many Aussies as possible. If everything goes to plan, we could match you with a lender quick-smart.

Contact Monzi 24/7

At Monzi, we’re real people just like you. That’s right, we’re living, breathing Aussies. While we do operate 100% online, that doesn’t mean there’s no personal touch.

If you have any questions about Monzi’s lender-finder service or what we can do for you, don’t be afraid to reach out. We’re always happy to hear from you and will do our best to answer your questions in a prompt and polite manner.

You can get in touch at hello@monzi.com.au or submit a contact form via our website. While you can reach out at any time, just remember that we only monitor this account during business hours. Moreover, as we are not a lender, we may not be able to answer specific questions regarding the loans you might be offered.

24 hour loans: don’t delay, apply today!

Early morning or late at night, the Monzi website is just a few clicks away. You can apply from anywhere, at any time. Once we receive your application, we might match you with a great Aussie lender in what feels like no time. Fast cash loans from $300 to $10,000 could be one easy application away.

Apply for a cash loan in minutes. Scroll up to the loan slider at the top of the page. Let’s go.

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Factor In Costs

You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000


12 months (minimum)

12 months (maximum)


20% upfront establishment fee

+ 4% monthly fee


Representative example based on a loan of $1000 over 6 months a borrower can expect to pay a total of $1440.

Disclaimer: Under the current legislation, all Small Amount Credit Contract loan providers don’t charge an annual interest rate. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The comparison rate on loans between $300 and $2000 could be up to 199.43%. The minimum loan term is 16 days and maximum loan term is 12 months. Representative example based on a loan of $1000 over 6 months a borrower can expect to pay a total of $1440. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Loan amount

$2,100 - $4,600


13 months (minimum)

24 months (maximum)


47.8% Annual Percentage Rate (APR)

65.85% Comparison Rate p.a.


Representative example based on a loan of $2500 over 24 months a borrower can expect to pay a total of $4,556.88.

The maximum interest rate for a Medium Amount Credit Contract is 47.8%. Comparison Rate 65.85% p.a. The maximum loan term is 24 months. Representative example based on a loan of $2500 over 24 months a borrower can expect to pay a total of $4,556.88. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Credit criteria and terms and conditions apply.

Loan amount

$5,000 - $15,000


13 months (minimum)

24 months (maximum)


17% Annual Percentage Rate (APR)

36% Comparison Rate p.a.


Representative example based on a loan of $10,000 over 36 months a borrower can expect to pay a total of $16,489.

The starting interest rate for a Personal Loan is 17%. Comparison Rate 36% p.a. The maximum loan term is 24 months. Representative example based on a loan of $10,000 over 36 months a borrower can expect to pay a total of $16,489. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Credit criteria and terms and conditions apply.