Cash Loans Today Available Up To $10,000

Have you been hit with an unexpected expense? Are you looking for cash loans today? Our lender-finder service can potentially match you with lenders offering loans up to $10,000.

Two men looking at cash loans today on silver laptop

Cash loans today

Cash loans today, as the name suggests, are loans where you receive a quick outcome. Gone are the days where you were at the mercy of the banks. Lenders offering loans today waste no time, you can potentially have the cash in your account on the same day you apply.

Do understand, however, there is no guarantee you’ll get your quick cash loans. While lenders will do what they can to assess your application promptly, it can take time for you to receive an outcome. Applications submitted during business hours typically will yield the quickest outcomes and you may receive your loan the same day.

If you are looking for lenders who offer cash loans, Monzi’s lender-finder service may be able to make it easier for you. Our automated system analyses a range of lenders to try and find one that matches your needs. In short, we could potentially pair you with a lender offering loans from $300 to $10,000.

Small cash loans today

At Monzi, we know that our users have a wide range of cash needs. While some users are looking for thousands of dollars, others are just looking for a cash injection of a few hundred. If you fall into the second category, small cash loans are a handy solution for you.

If you’re not sure what you can use small cash loans for, a few examples include:

  • An urgent bill
  • Covering rent
  • A new phone purchase
  • Minor home or auto repairs
  • Holiday or travel costs

Small cash loans typically range from $300 to $2000 and are often repaid over a 12 month period. All small loans are unsecured, meaning you don’t have to put up any collateral.

The below table includes examples of the cash loans past Monzi customers were able to be approved for.

Cash loans todayApproved amount (AUD)Location
Instant approval loans need cash today$1,200Ipswich, QLD
Fast cash loans today$2,000Busselton, WA
Instant cash loans today$3,000Burnie, TAS

The above table does not necessarily reflect the loan you may be approved for.

Long term cash loans today

With large cash loans, you’re able to borrow the cash you need (up to $10,000) while spreading the cost over a longer term, generally several months to years. By doing that, you’re able to deal with the expense without it totally compromising your budget. In short, your repayments will be manageably spread over several months or years.

Long term cash loans are for any personal expense, including:

  • Major car repairs
  • Replacing appliances
  • Home repairs or renovations
  • Significant medical bills or surgery costs

Furthermore, the long term cash loans offered by our network of lenders can be both medium and large personal loans.

Medium loans

Loan amounts ranging from $2,100 to $4,600. Repayment periods will usually range from 13 months to 24 months. All medium loans are secured loans so collateral is required.

Large loans

Secured loans ranging from $5000 to $10,000. Like medium loans, large loans in most cases will be repaid over periods ranging from 13 months to 24 months.

If you meet certain criteria, Monzi may also be able to pair you with a lender offering loans from $10,000 to $30,000.

Online cash loans today – it’s never felt so easy

The rise of the internet has brought with it a golden age of accessing cash loans online. In short, it has never been easier to access quality lenders and best of all you can do it from the comfort of your own home.

The days of going to the bank for a personal loan are over; there are no meetings, long conversations or sitting on hold for hours. Your applications are processed online and you can get the cash you need with only minimal effort required.

While this all sounds great, it’s also true that there are hundreds of online lenders in the market. If you’re not sure what to look for in a lender, you can potentially spend hours applying with different credit providers.

That’s where Monzi comes in. Simply lodge one application on our site, and we’ll aim to do the rest.

If you’re looking for cash loans online today, try Monzi. We’ll make the process of finding the right lender simple and stress-free.

Are cash loans today for unemployed available?

Yes, potentially. Some lenders may offer cash today loans for unemployed people. However, there are some conditions.

In order to be approved, you will likely have to prove that you are earning some form of income. Even if that does not come from paid employment, there are other possible income sources. This can include things like rent received from the property you own, or other income-earning assets.

Ultimately, your lender’s goal is to assess whether or not you will be able to repay your loan. Each application will be judged on its merits, meaning that even if you’re unemployed you may still be approved. This, however, will be contingent upon you proving you can afford to make repayments without substantial hardship.

While unemployed loans may be available for unemployed people, approval is always at the discretion of the lender and subject to approval.

Can Monzi help those with bad credit?

Absolutely; we welcome consumers with credit scores of all shapes and sizes to apply.

While traditional lenders like banks and credit unions may be unforgiving of bad credit, Monzi works with lenders that do things a little differently. In short, we associate with lenders that may be able to consider bad credit applicants.

The key is that we subscribe to a different philosophy. Your relationship with money and your current situation are what we feel is important. Therefore, if you’re earning a consistent income managing your finances well, we think you should at least be considered for finance, regardless of your history.

If you have bad credit, you’re not alone, there are thousands of Aussies out there just like you. At Monzi, we will do our best to help you.

If you’ve got yourself back on track financially, we don’t think that a few mistakes in the past should be the be-all and end-all. We’ll do what we can to match you a lender that may be able to consider your application.

Can I get a cash loans today without a credit check?

For those with bad credit, the idea of a credit check being conducted is typically accompanied by a sense of impending doom. Luckily for you, at Monzi, we don’t think your poor credit file should automatically disqualify you from accessing credit.

However, Monzi, will not conduct credit checks given that we are a lender-finder service. Our goal is simply to connect you with a lender who might be able to offer you loans today bad credit.

Should we be able to connect you with a lender, they may credit check your application. All lenders will take a number of steps to verify your financial situation as well as your ability to repay a loan. One element of this assessment may be a credit check, however, other factors will be considered.

Lenders typically want to understand your relationship with money as a whole. The balance between your income and expenses will be considered as well. If you’re back on track managing your finances well, there’s no reason your credit history should define you.

Note, however, that the approval of each application is at the discretion of the lender.

Eligibility

To be eligible to submit a claim with Monzi, there are only four criteria you must meet.

  1. Be 18 years of age or older
  2. You must be an Australian Citizen or Permanent Resident
  3. You must have been earning a regular income for the past 90 days
  4. Have an active email address and phone number

Application

At Monzi, we want to make life easier for you. Our application process reflects this meaning there are no complicated tests or stacks of paperwork. You can complete your Monzi application in minutes. All you need to do is:

  1. Complete your application: Consider how much you wish to apply for and enter in your personal details. Once you’re finished, click apply now.
  2. We search: Once we have your application in our system, we will do our best to pair you with a lender.
  3. Outcome: If you’re paired with a lender, they’ll assess your application and get in touch if they can make you an offer.

Get instant cash loans today

If you have no time to waste and need cash now, you may find yourself searching online for instant approval loans need cash today. While certain lenders may be able to offer these loans, be aware that they may not be truly instant.

Specifically, instant refers to lenders that can assess your loan so quickly, it may feel almost instant. While lenders will do what they can to give you an outcome as soon as possible, it will take some time. This time will vary between lenders based on their assessment policies and procedures.

Generally, however, lenders will assess your:

  • income
  • expenses
  • banking history

Responsible lending

As mentioned before, all the credit providers within Monzi’s network lend money responsibly. More specifically, lenders comply with the responsible lending obligations, outlined by the Government.

As part of Australia’s consumer protection legislation, lenders are required to meet a number of obligations before extending credit. Ultimately, a lender must not enter into a loan agreement with a consumer, if the loan is unsuitable for the borrowers’ needs.

In assessing applications, lenders are obliged to undertake the following steps:

  1. The lender must make reasonable inquiries into the financial situation of the borrower.
  2. Lenders must take reasonable steps to verify the consumer’s financial position.
  3. From the information gathered in the above two steps, lenders must make a final decision as to whether the loan is suitable for the borrower.

When do I see my loan?

We know you want fast cash loans today, however, this isn’t always possible. If you submit an application during normal business hours, we could potentially find the right lender for you in just 60 minutes. From there, however, we are unable to provide a definitive answer on how long it will be until you get your cash.

As mentioned above, your lender will have to complete their assessment of your application. While they endeavour to provide you will an outcome ASAP, it will depend on the nature of your application as well as what they assess. Finally, assessment policies vary among lenders meaning processing times do as well.

If you submit your application during regular business hours, you can potentially get fast loans today.

Applications outside of business hours or on weekends may result in delays. Banks typically do not process transfers during these times meaning you may be required to wait until the following business day for the cash to appear in your account.

Cash today title loans

A title loan is a secured personal loan where the borrower attaches an asset as collateral. In most cases, borrowers will use their personal vehicle as collateral, however, other options may be available. Title loans are more common in Canada and the USA.

Quick overview of repayments

Using Monzi’s loan slider, you’ll be able to select how much you wish to borrow. With this, you’ll get an estimate of how much your repayments will be. This is just a guide, however, as your lender will be the one who determines exactly what your repayments will be.

In calculating your repayments, lenders will consider your ideal repayment period, repayment frequency, how much you wish to borrow as well as what’s affordable for you. When you reach an agreement with your lender, your exact repayments will be clearly detailed for you.

A handy option available to you is the ability to select your desired repayment period and frequency. Depending on the size of your loan, repayments typically vary between 12 and 24 months.

In terms of frequency, you generally have the option to make repayments weekly, fortnightly or monthly. This allows you to select the one that best fits your needs.

Once your application has been approved and you’ve agreed to a loan contract, making repayments is simple. Just set up a direct debit from your bank account. There’s zero hassle for you.

Our process is quick and simple

Let’s be honest: you don’t want to spend your day trying to find cash loans paid today. We understand this and so we’ve done what we can to make sure finding a lender doesn’t take up too much of your time.

It all starts with our application, it’s simple and can be completed in just a few minutes. We only ask for what’s necessary: how much you’d like to borrow and a few important personal details.

While you get back to your day, our automated system gets to work scanning through potential lenders. If we find you a match, we’ll connect you with your lender who will then complete their assessment of your application.

Overall, we’ve made it easy for you at every step along the way. Finding a lender doesn’t have to be complicated. Submit an application with Monzi and it might be the easiest thing you do all week.

Monzi is for everyone

Monzi’s aim to help any Australia looking to find a lender. Our 100% online service allows us to do this.

While traditional shop-front locations limit you to only helping people nearby, being 100% online means we’re available to help any Australian. Your location is no barrier.

North, south, east or west; it doesn’t matter with Monzi. If you have an internet connection and meet the eligibility criteria, you can submit an application with Monzi.

Need some assistance?

The world of borrowing and lending can be intimidating if you haven’t dealt with it before. With this, it’s natural to have questions or concerns you need answering before diving in.

Luckily for you, Monzi understands this. While we are a 100% online business, the Monzi team are real, everyday Aussies just like you. Our users are important to us and our aim is to do what we can to help you.

If you have any questions about cash today loans or about Monzi, you can email us at hello@monzi.com.au. We’ll do what we can to get back to you as soon as possible. Although, emails received during business hours will likely receive the quickest responses.

Only licensed and reputable lenders

At Monzi, we only want what’s best for you. As part of this, we’ve developed a network of trustworthy, licenced lenders who do right by their customers.

You don’t have to worry about any hidden charges, tricks or traps. When you reach an agreement with one of our lenders, you’ll receive a loan contract which clearly outlines everything you need to know in your contract.

Before applying for cash loans today

While quick loans cash today can seem like the easy fix to all your problems, they do need to be managed properly. Moreover, taking out loans you cannot afford may result in missed payments, defaults or debt spirals all of which are detrimental to your financial life.

As a result, consider the following before you submit an application.

  • What repayments can I afford?
  • How much do I need to borrow to cover my costs?
  • How much am I earning and what are my expenses?
  • What repayment period and frequency would work best for me?
  • Is applying for a loan my only option?

If you feel like you have an understanding of your financial situation and what loan amount you can afford, you’re ready to apply. However, just ensure that you never rush into a loan without first doing a proper evaluation of your finances.

Missed payments and financial hardship

If you’re unable to make a repayment, unfortunately, your account will be charged a fee. In some cases, however, if you know you’re going to miss a repayment and you get in contact with your lender early, you may be able to reach an agreement on how to manage the situation. However, this relies on you being proactive and making contact ASAP.

Should you encounter a major change in circumstances that leaves you unable to afford your repayments, you may want to consider applying for financial hardship. As part of your application you may be required to submit some supporting documentation (E.g. medical certificates).

An approved application will result in new repayments terms being implemented.

Apply today

Like what you hear? Head to the top of the page and submit your application with Monzi. We might be able to help you get cash loans today.

Factor In

Costs

Two credit cards
Two credit cards

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

Terms

12 months

Costs

20% upfront establishment fee

+ 4% monthly fee

Example

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true 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

Loan amount

$2,001 - $4,600

Terms

13 months

24 months

Costs

48% annual percantage rate

67.41% comparison rate p.a.

Example

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true 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. Click here to see a worked example.

Loan amount

$5,000 - $10,000

Terms

13 months

24 months

Costs

21.24% annual percantage rate

48% comparison rate p.a.

Example

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true 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. Click here to see a worked example.