Cash Advance Loans $300 To $10,000 – Get Started With Monzi Now

Cash advance loans when you need money ASAP. Apply for personal loans fast with Monzi today. We could match you with lenders offering instant loans from $300 to $10,000 in just one hour. No stress. No hassle. Monzi’s lender-finder service could be the stress-free alternative. Apply today.

What are cash advance loans?

Cash advance loans usually refer to small, unsecured loans that may be repaid over a short term. In other words, you can borrow up to $2,000 without getting locked into a long-term commitment. If you apply with Monzi, we can potentially match you with a lender offering personal loans from just $300 to help you manage a cash shortfall.

As a guide, the lenders in Monzi’s network may offer repayment terms of 12 months on loans under $2,000. However, if you borrow more than $2,000, you may have the choice of terms ranging from 13 to 24 months. Best of all, these cash advance loans are 100% online, so you can apply anytime, anywhere.

Where can I find cash advance loans online?

At Monzi, we’re specialist lender-finders. In other words, we exist to match Aussie borrowers with lenders in a quick and hassle-free manner. So, if you need a small, unsecured cash advance loan, we could be the first port of all.

We work with lenders who offer quick personal loans from $300 to $10,000. With this, both secured and unsecured loan options might be available. All you need to do is use the loan slider at the top of the page to get started. From there, your journey to find a lender is underway.

Ultimately, Monzi has helped thousands of Aussies just like you access the cash they need to cover an emergency shortfall. So, why not join them? Our website is live 24/7. Log on from your connected device and apply today. From cash advance loans to secured personal loans, there could be an option to suit your needs.

Can I get a small cash advance?

You bet!

Small cash advance loans typically refer to short term loans from $300 to $2,000. At Monzi, we know more than a handful of lenders who may be able to help. If we match you with a lender and your application is approved, then you can borrow the money you need today and repay it over just 12 months. As a result, you could pay it off in what feels like no time.

Beyond this, the greatest benefit of a small cash advance is that these loans are unsecured. In other words, you don’t have to worry about providing an asset as security. As a result, your application may be processed in no time, allowing you to receive fast loan approval. Moreover, you just have to focus on making your repayments until your balance is paid off.

That said, if you would like to apply for a secured loan, Monzi can help. Apply for up to $10,000 now.

Are there any cash advance loans with no credit check?

Some payday lenders may offer payday loans cash advance no credit check. However, at Monzi, we cannot guarantee if you will be offered cash advance loans online no credit check.

In short, a credit check involves an assessment of your credit report. If you have bad credit, then you may feel that finding a no credit check loan may increase your chances of approval. Unfortunately, the downside is that most lenders will not offer these products.

In most cases, credit checks are unavoidable when you apply for a personal loan. After all, lenders want to assess your reliability as a borrower to determine if they should lend you money. As an alternative, payday loans no credit checks may be available on very small loans. However, the availability of these products may depend on the assessment policy of the lender you’re dealing with.

So, if you need cash advance loans no credit check, Monzi cannot provide any guarantees. That said, if you’ve got bad credit, you’re still welcome to apply. We work with understanding lenders who may be able to help you.

How soon will I receive my cash advance?

At Monzi, we aim to work fast. If you apply during business hours, you might be matched with an Aussie lender in just 60 minutes. At that point, we’ll get out of the way and pass your application onto them.

Unfortunately, as we do not conduct assessments, we cannot say exactly when you will receive your outcome. While your lender will do what they can to process your application ASAP, procedures and processing times may vary.

In a best-case scenario, if everything goes to plan, same day loans may be possible. However, it’s often wise to account for a waiting time of at least one business day, just in case.

Finally, as we’ve mentioned, to give your best chance of receiving seemingly instant approval loans, you must apply during business hours. Moreover, provide all the necessary information so that your lender doesn’t have to pause your assessment to chase up missing documents.

Cash advance loans on benefits

If benefit payments account for a portion of your income, Monzi may still assist you. In short, we work with lenders who may offer cash loans to people on Centrelink from $300. However, this is contingent upon you demonstrating that your loan repayments would fit comfortably with your budget. Moreover, if you are a Centrelink customer, lenders may limit the amount you can borrow (e.g. up to $2,000).

That said, if you do receive Centrelink payments, then rather than taking out a loan, you could instead apply for a Centrelink cash advance loan. In short, this involves a portion of your future benefit early. From there, this amount is then deducted from your payments going forward.

The benefit of a Centrelink advance is that it’s interest-free. However, as it will reduce your future payments, ensure that it won’t compromise your budget.

To learn more and assess your eligibility for a Centrelink advance, visit Services Australia. Alternatively, head to your nearest Centrelink location and they may assist you with your enquiries.

I’m unemployed but need cash: can I get a loan?

Cash advance loans unemployed is a common search. However, if you’re after loans for unemployed Aussies, there’s no doubt that it will be difficult to find a lender who can help.

While some lenders may consider Centrelink applicants, if you are unemployed and are not receiving consistent or sufficient income, then a lender will not approve your application. After all, they need to trust that you can make your repayments. Without a regular inflow of cash, this will be extremely difficult.

In any case, borrowing money if you are unemployed likely isn’t an appropriate option anyway. All loans involve a commitment. Typically, you must repay your loan with interest over a fixed period of up to 24 months. If you’re between jobs, then it’s not a good idea to enter into debt. Instead, you should seek out additional government support or other alternatives that could better suit your needs.

Emergency cash advance loans ASAP

Cash emergencies often come out of the blue. While it can be smooth sailing one day, the next, everything can go wrong. Whether you need major household repairs or have to cover some emergency medical bills, your budget may be left in ruins.

In these situations, you may consider applying for emergency cash advance loans. In short, lenders may process emergency loan applications fast so that you may receive the cash you need in a hurry. Moreover, you may use these loans to cover almost any emergency expense you encounter.

That said, keep in mind that while an emergency loan may get you out of a hole today, there are costs and repayments to consider. In other words, while it’s easy to look at the short term benefits, make sure you account for the long term consequences too.

I need an emergency cash advance for bad credit: what are my options?

Bad credit doesn’t have to be the end of the world. Sure, it may make it more difficult to access loans from the bank. However, at Monzi, we know many lenders who consider offering cash advance loans for bad credit.

In short, these lenders believe that a few mistakes in your past shouldn’t define your present. While they may assess your credit report, your loan assessment may extend beyond this. In other words, lenders may assess your current budget too. Ultimately, they’re looking to verify that you’re in a secure financial position and the repayments would be suitable for you.

If you can prove that you’ve got your finances under control, then lenders may consider offering you emergency bad credit cash advance loans from as little as $300. However, if you need to borrow a little more, you can potentially access bad credit secured personal loans up to $10,000 too.

Short term loans vs cash advance loans: what’s the difference?

Essentially, there is no difference.

As a guide, short term loans Australia refer to cash loans up to $2,000 that you may repay over just 12 months. In other words, the commitment is only short. You borrow money today and it’s repaid within a year.

In most cases, cash advance loans and short terms loans may be used interchangeably as they more or less refer to the same product. Given this, if you’re after a short term loan, apply today with Monzi. We could take the stress out of finding a lender online.

Finally, keep in mind that cash advance loans should not be confused with credit card cash advances. On the one hand, a cash advance loan involves borrowing from a lender. On the other hand, a cash advance is a cash withdrawal from your credit card account.

Can I apply for a cash advance with Monzi?

Monzi could match you with a lender offering the short term loans you need today. However, before you begin, confirm that you check these four boxes to ensure you are eligible:

  • Australian citizen or permanent resident.
  • At least 18 years old.
  • Can provide an email address and phone number.
  • Earning a consistent income, deposited into an online bank account, for the past 90 days.

If you meet these requirements, then we’re happy to receive your application. To get started, all you need to do is:

  1. Select your loan amount and repayment term using Monzi’s loan slider.
  2. Provide the necessary details to complete Monzi’s online application.
  3. Put your feet up as we scan our network to try and find an available lender for you.
  4. Check your phone because we will be in touch via text or email. If you match you with an Aussie lender, they will contact you to begin the next stage of your application.

While we cannot guarantee if your application will be successful, Monzi could save you the time and effort it takes to find a lender online. Apply now.

Woman walking happily after being approved for cash advance loans

Can I get a loan in Brisbane?

Living in the River City? While the weather may be perfect, Brisbane residents are certainly not immune to the cash troubles that many Australians face. Whether it’s an unexpected bill or emergency car repairs, if you’re in Brisbane and need fast cash, Monzi could be there to help.

In short, we know many lenders who may offer cash advance loans Brisbane or other similar personal loan products. Apply today from $300 to $10,000 and you might receive an outcome before you know it.

From Burpengary to Bulimba and Corinda to Cleveland, Monzi’s got Brisbane residents covered. While approval isn’t guaranteed, cash loans Brisbane may be right there at your fingertips. Use the loan slider at the top of the page to begin your application now.

What about elsewhere in Australia?

Of course.

Monzi’s lender-finder service operates Australia-wide. It doesn’t matter whether you need cash loans in Hobart or fast loans in Rockhampton, our reach extends far and wide. As long as you meet the necessary eligibility criteria, we’re always ready to receive your application.

Ultimately, Monzi is a service for Australians. As a result, we pride ourselves on our ability to help people from all over the map. Whether it’s a short-term cash advance loan or something a little more substantial (e.g. secured loan), we could match you with a lender offering online loans from $300 to $10,000 today.

How do I repay my loan?

Cash advance instalment loans are the standard form that these products will take. In short, if you are approved for a loan, then your lender will transfer the cash straight into your account. From there, you’re free to spend it on your nominated expense. However, your lender will then divide your costs into a series of even repayments over a fixed term. In other words, the loan is repaid in instalments.

As a guide, Monzi works with lenders who may offer repayment terms ranging from 12 to 24 months, depending on the amount that you borrow. Moreover, you’ll get to choose between weekly, fortnightly or monthly repayments. As a result, you must decide which option is best for you.

Finally, making your repayments shouldn’t be a headache. Typically, your lender will assist you in setting up a direct debit from your account. That way, your repayments will be automatic. Just remember to keep enough cash in your account on the relevant dates. Best of all, as soon as the amount you owe hits zero, the direct debit will cease.

I’m a pensioner: can I still apply?


If you need cash advance loans for pensioners, try Monzi. We may be able to assist you with pension loans whether you receive the aged-pension, the disability support pension or some other government benefit. You can apply from as little as $300. Just use the loan slider at the top of the page and you’re on your way.

However, when it comes to loans on a pension, you must consider the costs. If you are a low-income earner, then the associated repayments may put significant strain on your budget. As a result, you must evaluate your financial situation before applying. Often, it may be wise to search for alternatives rather than dealing with the high interest rates and fees that may come with cash advance loans.

Is a cash advance loan the same as a payday loan?

Payday loans Australia and cash advance loans may refer to similar products. In short, payday loans usually cover small loans up to $2,000 that may come with very short repayment terms. On the other hand, short-term cash advance loans through Monzi’s lender-finder may be repaid over a manageable term of 12 months.

Ultimately, at Monzi, we aim to match our borrowers with lenders offering emergency cash advance personal loans from $300 to $10,000. Not only might these loans come with more manageable repayment terms, but they may be processed fast too. As a result, if you want to apply for a payday loan, then we may be unable to assist you.

How much does a cash advance loan cost?

A cash advance loan isn’t free. In other words, if you borrow money, then you must pay it back with interest via a series of repayments. With this, your repayments will contain both a principal and an interest portion. On top of this, lenders may also apply fees too (e.g. establishment fees).

Given this, you must consider the costs before you even think about applying for cash advance loans. While it may seem like a great solution to help you overcome a present cash shortfall, over time, the costs may be significant or unmanageable. Moreover, if you are a low-income earner or a loan applicant on Centrelink, it may be best to consider alternatives.

I’m a single parent, does that mean I’m ineligible?

Not at all.

Monzi is all about helping Australians from different walks of life. All we ask is that you meet the eligibility that we outlined earlier. Beyond this, it doesn’t matter whether you’ve got bad credit, receive Centrelink payments or need a loan as a single parent, we’ll always do our best to assist you.

Unfortunately, though, while we do welcome applicants from different backgrounds and financial situations, note that we cannot provide any guarantees. While we endeavour to match you with a lender ASAP, your application may be unsuccessful if lenders feel that a loan would be unsuitable for your current means and needs.

Cash advance loans Australia: what to do before you begin

These days, online loan applications make it easy to get started in the blink of an eye. However, before you launch into applying, there are many steps that you must take to ensure that a loan is right for you.

Firstly, consider your current financial situation. In other words, think about your current income and expenses to determine what repayment amount you could afford. Moreover, take a look at your savings to see if you could cover your current expense that way.

Next, look specifically at the lender and loan. Consider the costs and well as the associated repayments. In addition to this, read reviews online from past borrowers to see how the lender treats its customers.

Finally, read over your loan contract and note the terms and conditions. If you are happy with the loan you’ve been offered and are confident in your ability to make repayments, only then can you sign the contract. Once you’ve approved the contract, your lender should transfer your cash advance loan to you.

Are cash advance loans unsecured?

In general, cash advance loans refer to unsecured personal loans. In Australia, lenders may offer instant unsecured loans for amounts up to $2,000. Beyond this, you must apply for a secured loan. With this, you must own an eligible asset (e.g. car or boat) that you can use as collateral on the loan.

At Monzi, we understand that the needs of Aussie borrowers do vary. After all, everybody’s different. That’s why we’ve partnered with lenders who can offer a range of products. On the one hand, you could apply for a short term personal loan or cash advance loan from $300 to $2,000. On the other hand, you could apply for secured cash loans from $2,100 up to $10,000.

Ultimately, it simply comes down to how much you need to borrow. However, note that we cannot guarantee if you will offer the loan amount you apply for. In short, lenders may modify certain terms or cash amounts to better suit your financial situation.

What should I look out for?

Not all cash advance loans are the same. As a result, borrowing money may come with some risks that you must account for. If you do not, then you could potentially find yourself in a pickle. As a guide, these risks may include:

  • Predatory lenders: while Monzi knows plenty of trustworthy lenders, there are some lenders out there who may not operate responsibly. Given this, confirm that your lender has a current Australian Credit Licence.
  • High costs: lenders offering short term loans may apply high interest rates and fees. That said, Australian law does place limits on the amount a lender can charge. Check out Monzi’s Costs page to get an idea of how much you might repay.
  • Unmanageable terms: online payday loans are often known for their brief repayment terms. As a result, before agreeing to a loan, you must ensure that the terms are suitable for your budget. At Monzi, we work with lenders who may offer small cash advance loans up to $2,000 that can be repaid over 12 months.

Note that, at Monzi, we will only match you with licenced Aussie credit providers. As a result, you can be sure that you’re in the right hands. That said, still consider the points listed above before agreeing to any loan.

Are there any alternatives to borrowing money?


The costs of borrowing money via a cash advance loan may be significant. As a result, where possible, it’s usually best to avoid taking on debt. Given this, if you need money fast, you’ll be looking for alternatives.

The first avenue that you may include could be selling some of your old possessions online. For instance, maybe you have an old TV cabinet or dining room table. Post an ad on Facebook Marketplace and your item could be sold in time. As a result, you may earn that extra cash you need.

Next, if that’s not an option, consider looking for odd jobs in your local area. The prominent app, Airtasker, may be the best place to start. In short, people advertise jobs for cash. Examples may include assembling furniture or gardening. So, if you’ve got some extra time on your hands, it can be a great way to earn some money.

Additionally, if you are a low-income earner and need to purchase a necessity (e.g. new white goods), the No Interest Loan Scheme may provide safe and affordable access to credit. Do your research to determine if you are eligible for the scheme.

Finally, while it does involve borrowing money, some pay on demand apps may allow you to access a small portion of your pay now via a pay advance. You will then repay this amount with a small fee once your next payday arrives.

Who can I talk to?

If you have any questions about Monzi, we’d love to hear from you. Contact us today at and our customer service team aim to get back to you ASAP. Just remember that we are only a lender-finder, not a lender. As a result, we may not be able to answer specific questions regarding the loans you may be offered.

Beyond this, if you are currently struggling with debt, then it may be wise to contact the National Debt Helpline on 1800 007 007. They may connect you with a financial counsellor in your local area who could help you manage your current struggles.

Finally, for more information on borrowing, Moneysmart’s guide to personal loans may be a good place to start. It will run you through all the factors you may need to consider before applying for a cash advance loan.

Cash advance loans: apply with Monzi

At Monzi, we work with lenders offering personal loans from $300 to $10,000. So, if you find yourself short on cash and decide that you need a loan, apply today. We’ll do our best to match you with a great Aussie lender in no time. Just remember that lenders charge interest and fees, meaning the cost of these loans can be significant.

When you’re ready to begin, scroll up to Monzi’s loan slider. Drag the slider across to your preferred loan amount and hit “Apply Now.” While we cannot guarantee if your application will be successful, we’ll always do our best to help you.

At the end of the day, Monzi may take some of the stress and hassle out of finding a lender when an unexpected expense knocks your budget off course. With easy applications and fast outcomes, Monzi might make your life a little easier.

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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.