Cash loans up to $10,000 are just an online application away!

cash loans

If you need some cash to cover your expenses but don’t know where to find it, you’re in the right place. Cash loans can be one of the quickest and easiest ways to get some extra dollars flowing through your finances!

When life throws you an expensive curveball, there’s no time to waste. Waiting for your next Centrelink payment or wage isn’t an option. That’s where Monzi Loans can help you and help you fast!

Applying for cash loans can be quick, easy, and hassle-free. If you’re ready to make money worries a thing of the past, we’d love to help you find the ideal lender to suit your needs.

The cash loans you need for the life you lead

From medical costs to school fees or a weekend away, some things are must-haves. Thing is, you need to have the cash to pay for them! No matter how well you budget, there will be times when your budget is maxed to the limit.

Nobody expects their plumbing to spring a leak or their appliances to pack up. But they do! At times like those, nobody has months or years to “save for a new one”. What you need is cash in a flash. And that’s what we’re all about.

Cash loans for bad credit

It’s hard enough making ends meet in Australia today. Most families are only managing to break-even each month. When expenses pop up out of the blue, most of us don’t have the savings to cover them. And let’s not even talk about paying for much-needed holidays or white goods. Luckily, there’s another way to get the cash you need. You can consider applying for cash loans.

Imagine this. You wake up one Sunday, ready to take a well-deserved break. You head for the kitchen! There’s nothing like a full English to get your Sunday morning started. As you get to the fridge, you get a sinking feeling.

There’s water all over the floor. The fridge feels warm. Something’s starting to smell a bit too ripe. Yip, that’s a packed-up fridge for sure! You check the power as a last resort. Open and close the fridge door a couple of times. But you know it’s time to get it fixed. That’s when your relaxing weekend vanishes. A hefty bill is on its way.

Fast-forward a couple of hours, and your worst fear is confirmed. The repairman’s been poking around your fridge for about ten minutes. His body language isn’t giving you much hope. Finally, he breaks it to you. “Motor’s bust and the inside’s starting to crack. I could fix it, but you’d be better off buying a new one. By the way, the call out fee is $85”. Great!

No cash, no fridge, no food – you need a cash loan

Your food’s gone bad. Your wallet is empty. And your stress levels are rising. You start looking for a new fridge online. The best price you can find is over $1,000. That kind of money you don’t have, but it’s not like anyone can live without a fridge. The sooner you get a new one, the better. Problem is, your budget is tight.

You sit at the kitchen table. You look straight at that useless fridge and start going through your money options. $1,000 doesn’t fall out of the sky. So where is it going to come from? You come up with a few ideas, but none of them look too good.

  • You could borrow the money from family, but their budget is tighter than yours!
  • Asking friends seems so awkward. Anyway, who has $1,000 lying around?
  • You could go to the bank for a loan

Things are looking bleak, but now isn’t the time to give up! It’s time to consider applying for a lender that can find cash loans with Monzi.

How do I get cash loans?

You can apply for cash loans with Monzi Loans. Here’s how it works:

  • Make sure you meet our application criteria. You’ll find them here.
  • Fill in the application form above. This can be done in minutes.
  • We’ll look for a lender that we think can offer you a loan.
  • If we can find you a lender, your lender will get in touch with you to run through the terms of your loan.

You’ll want to check the terms of the loan you are offered to ensure that they will not only meet your needs but that they won’t put you under any unnecessary financial pressure. In other words, make sure you can afford to make your repayments without skipping any!

About the credit score

Okay, so your credit score isn’t perfect. Did you know that there are specialist loan companies out there? Ones serving bad credit customers?

It’s easy to end up with a credit record that’s not exactly perfect. In fact, it happens to a lot of us. A few skipped payments here and there. A financial emergency. An accident that causes you to lose your job. Bam! Your credit score can take a serious hit.

If you went through a rough time a few years ago and have a few marks on your credit record, does that make you a bad person? Nope! Does it mean your finances are in a mess today? Nope! Does it mean you can’t apply for cash loans? Definitely not!

Here’s the thing. If loan companies only served people who have perfect credit, they’d have very few customers! It’s a matter of finding the right lender to deal with. That’s where we come in. So, don’t feel bad about having bad credit. We’ll do our best to help you find a lender that understands your history.

Applying for cash loans: how it works

Applying for cash loans is easy. But if you’ve never done it before, you’ll be wondering how it works. Here’s everything you need to know.

At Monzi Loans, we can do the hard and stressful work of finding a lender that suits your needs. You don’t have to!

There’s nothing worse than applying to loan company after loan company. Receiving rejection after rejection. And, did you know that every application shows up on your credit record? This makes it even more difficult to apply for the next loan.

Let’s end that vicious cycle, and help you find a loan company that suits you!

When you apply through our website, we’ll source a loan company for you. One that’s more likely to approve your application. All we need you to do is apply on our website. It takes a few minutes. It’s 100% online, and you won’t need to upload any documents.

Centrelink customers should have no problem applying for personal loans through our website. If you meet these requirements, you should be good to go.

  • You need to be an Aussie citizen or permanent resident.
  • Be 18 years or older.
  • Have a regular income, like Centrelink.
  • Have a bank account.

If you answered “yes” to all four of the above points, it’s time to apply!

Are you feeling excited yet? Let’s get the ball rolling by going through the application process, it’ll save you even more time when you apply!

Cash loans: how to apply on our website

When you visit the Monzi Loans homepage, the first thing you’ll see is our loan application tool.

  1. We can help you find personal loans between $300 and $10,000. Repayment periods of between three and six months.
  2. By moving the sliders, you’ll be able to move your loan amount and repayment period around. You can see how much your weekly or monthly repayment will come to.
  3. The more you borrow, the higher your weekly or monthly repayment will be.
  4. You can always reduce your repayment amount by choosing a longer repayment period. For example, five or six months instead of three months.

You’ll also see a breakdown of costs and fees in the blocks at the bottom of our loan tool. These are only estimates. Your lender will confirm these with your loan approval.

Decide on a comfortable loan amount and repayment period (weekly or monthly instalments). Enter your mobile number and click “Apply Now”. Make sure you enter the right phone number, so we can contact you. You’ll be on your journey to a personal loan before you know it!

Cash loans: what info do you need to provide?

The next stage of your application is the most important, you’ll need to provide us with your info. The details you provide during this section will help find you a lender. Make sure you check your details when you enter them. It may be boring, but it’ll save you time and hassle later!

Here’s the info we’ll ask you to provide.

  • Proof of ID
  • Your internet banking credentials
  • Proof of income, if you’re on Centrelink, we’ll need your myGov credentials.
  • The reason you’re applying for a loan.

You can enter all these details on our application form. No need to scan and copy documents! Most of our customers finish their applications in under 10 minutes. Speedy gonzales’ in under five! Once you’ve entered these details and confirmed, you’re done! Now we get to work reviewing your application.

After you apply, take a breather and let the cash loans come to you!

Once we receive your application, we’ll find a lender to look at your income, expenses, and the amount you’d like to borrow. We hope to find you a lender in minutes, and if we do, we’ll forward your application to one of the lenders we work with.

We’ll let you know whether your application has gone to a lender. So, keep an eye on your mobile phone! From then on, you’ll be dealing with your matched lender. If they look at your application and everything looks great, they’ll contact you with the good news. “Your loan is approved!”

When your loan company contacts you, they’ll provide you with the full details of your loan. You’ll also receive your loan documents by email. They’ll make sure you have all the important info need, including:

  1. Your weekly or monthly repayment amount,
  2. The due date for weekly or monthly payments,
  3. Confirmation of your loan amount and other charges.

How to be an awesome cash loans customer

If you receive your loan approval, you could have your cash within a day or two – you’ll want to check with your lender on that one. Now that’s a reason to celebrate! As you repay your loan, it’s always a great idea to stick to the due date in your loan agreement. You’ll avoid late payment penalties and, once positive credit reporting is rolled out in Australia, your credit score may improve!

Ready for a cash injection? cash loans are the quickest solution!

Whether you need a new appliance or a car service. A crown for a tooth that’s killing you. Cash loans for Centrelink customers are the way to go. Don’t let your income or credit score stop you from applying for a cash loan. We’ve shown you how quick and easy it is to apply through Monzi Loans. Now it’s time to experience it for yourself. Whether you’re looking for a bond loan, trave loan – we’ll do our best to find a lender that can help.

If you’re stressed over expenses that have come up out of the blue, it’s time to ease your mind! Don’t know how you’re going to pay for that sports camp the kids are going on next month? We’ll help you find a lender that understands! Take the plunge right now and experience the ease and convenience of cash loans.

Just scroll up and apply for yours today!

How customers rate Monzi

Cash loans up to $10,000 are just an online application away! Overall rating: 4.7 out of 5 based on 4 reviews.

Factor In


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


12 months


20% upfront establishment fee

+ 4% monthly fee


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


13 months

24 months


48% annual percantage rate

67.41% comparison rate p.a.


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.

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.

Loan amount

$5,000 - $10,000


13 months

24 months


21.24% annual percantage rate

48% comparison rate p.a.


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.

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.