Cash On Your Mobile From $300 To $10,000. Apply Now!

Cash on your mobile may be available up to $10,000. One simple application is all it takes. Apply with Monzi and be matched with a lender offering short term personal loans in no time. Apply now.

Cash on your mobile

In today’s world, most of us cannot live without our phones because they do it all. They entertain us, inform us and connect us to the people in our lives. But did you know they can help you access an instant loan when you need it?

With cash on your mobile, you can navigate those unexpected financial emergencies or just get those few extra dollars you need to cover an everyday expense. Best of all, it’s 100% online, right there in the palm of your hand.

If you’re looking to access cash on your mobile then Monzi makes it simple. Don’t bother looking for personal loans apps, just lodge one simple application via our website and we may be able to pair you with a lender that might offer great alternatives to payday loans. Apply today.

As a guide, a few examples of online loans are listed below:

Cash on your mobileApproved amount (AUD)
Quick loans online$500
Fast easy cash loans$1,500
Quick loans online$2,000

Convenient cash online with Monzi

Allow us to introduce Monzi’s 100% online, lender-finder service. We’re here to make accessing loans online easy.

As a lender-finder, we act as the bridge between everyday Aussies just like you looking to borrow money, with a range of great lenders who might be able to offer the cash you need.

All it takes is one simple application to unlock this world of possibilities. If you apply during business hours, we may be able to pair you with an available lender just like that.

So, rather than spending your time sifting through a range of different lenders, give Monzi a go. Our process is simple, hassle-free and can potentially make finding cash on your mobile a breeze.

Best of all, it’s 100% online so it’s available at the click of a button, anywhere and anytime you like. Apply for 24/7 loans today.

Can I get quick cash to cover a minor expense?

Yes, there may be quick cash options for loans available, no matter your needs.

If you’ve encountered a minor expense that your available funds just can’t cover then small personal loans could be an option for you. You can borrow up $2,000 and, as it’s an unsecured loan, there’s no need to attach an asset as security.

Common minor expenses could include car repairs, minor household maintenance or even travel expenses. However, this list could go on forever as you can use this cash to cover almost any legitimate expense.

I need something more substantial

If a small personal loan isn’t going to cover it, there are still options available for you. As we’ve mentioned, we can potentially help you access quick loans online up to $10,000.

As a matter of interest, if you are applying for a loan of over $2,000 there are some things to be aware.

Firstly, loans of between $2,100 and $4,600 are considered medium loans while loans ranging from $5,000 to $10,000 are large loans. Both will typically be repaid over a period of 13 to 24 months.

The most important thing to note however, is that these are secured loans. As part of your loan agreement you are required to attach an asset as security. That way, in the event that you default on your repayments, the lender may have an avenue to recover their lost funds.

Cash on your mobile with bad credit

Consumers with bad credit histories can apply for loans. Online lenders, in particular, have changed the game and may offer bad credit loans.

They’re willing to take on a range of circumstances, including poor credit. A few slip-ups in your past may not compromise your ability to access cash loans today. They’ll assess your claim like any other.

If you meet the requirements, you may be offered the loan you applied for. Although, approval is at the discretion of the lender you are dealing with.

One thing to keep is that if you have a subpar credit rating then lenders may view you as a risk. As a result, higher interest rates or fees may be charged on these loans in order to account for the lender’s additional risk.

How do I get fast money with bad credit?

So, you’re searching “I need money now.” In these situations, one option may be to apply with Monzi.

We work with a vast network of lenders, some of who may be willing to offer quick loans for bad credit. They understand that not everyone is perfect. In fact, a few credit mistakes in your past is extremely common.

As a result of this, they’ll take a different tack when it comes to assessing your application. In short, your credit history won’t be the be-all and end-all. They’ll consider your current budget and financial situation to get an idea of how you’re managing your finances today.

Ultimately, your credit history doesn’t always tell the full story. The lenders we work with may be able to take a macro view in assessing if the loan you desire is right for you.

Cash on your mobile without a credit check

Some lenders may offer loans with no credit check being performed. Unfortunately, at Monzi we are unable to say with certainty if you will be offered one such loan.

Credit checks are a common theme throughout most loan assessments. However, they aren’t necessarily mandatory and may not always be included.

In short, while many lenders will always conduct a credit check, others may not. It is simply up to the lender. Moreover, it may depend on the features of your loan (i.e. the amount you wish to borrow).

At Monzi, if we match you with a lender, we cannot guarantee that you will be offered an fast loan without a credit check. It’s simply at the lender’s discretion.

Am I able to apply with Monzi?

At Monzi, we aim to help as many Aussies as possible. While we welcome everyone to apply, we do have four criteria that you must meet in order for us to proceed with your application.

  1. 18 years or older.
  2. An Australian citizen or permanent resident.
  3. Have an active email address and phone number.
  4. Earned a regular income, deposited into an online banking account, for the three months prior to applying with Monzi.

Apply for cash on your mobile with Monzi

Monzi can make accessing cash online a breeze. You can lodge a hassle-free application in minutes. All you need to do is:

Step one: apply

The first step is about you. You’ll need to decide how much you wish to borrow and your ideal repayment period. Once that’s complete there are a few key personal details you’ll need to supply.

Step two: finding a lender for you

After receiving your completed application, our automated system begins trying to find an available lender to assess your claim. This may take as few as 60 minutes if you apply during regular working hours.

Step three: You get an outcome

Once we complete our search, we’ll send you a text to let you know the outcome. If you are successfully paired with a lender they will be in touch to assess your claim.

man looking for cash on your mobile

Cash on your mobile: what do I need to provide?

In order to ensure your application runs smoothly, it’s crucial that you provide all the required details when you’re asked to do so. Nothing creates delays like your lender having to chase up missing information.

So, prepare before applying. Have the following details on-hand:

  • Personal details: name, date of birth, contact information.
  • Proof of employment and recent payslips.
  • Online banking details.
  • An estimate of your current expenses.
  • Other relevant or necessary details (e.g. MyGov information, other outstanding debts).

Cash on your mobile today

With just a few clicks you can submit your application with Monzi. While we will do our best to match you with a lender in just 60 minutes, unfortunately, we are unable to guarantee if you will receive your cash loans on the same day you apply.

If you are successfully paired with a lender, they will conduct their assessment of your application. While it’s true that lenders offering rapid approval will process your application in rapid fashion, accessing your cash isn’t as simple as being approved.

Upon approval, the cash will be transferred to you. Therefore, the time it takes for the cash to appear in your account will depend on interbank transfer times as well as the time of your application.

As a rule, banks only process transactions during defined times on business days. As a result, applications on weekends or outside regular hours may be delayed.

At the end of the day, if everything goes to plan you may be able to receive your cash today, however, we cannot guarantee it.

Where can I get quick and convenient access to cash?

The truth is there are a ton of potential lenders out there who may be willing to provide you with the cash you need. If you want it made easy however, applying with Monzi might be the choice for you.

Rather than scrolling through the endless list of options, apply with Monzi. We take away the hassle and can potentially pair you with a great lender.

You can apply for small loans fast or something a little larger. Not only that, Monzi has access to a vast network of five-star lenders so you’ll only be paired with the best.

With speedy outcomes and rapid assessments, Monzi and our range of lenders are one option when you need a quick and convenient cash option.

Fast cash loans for people on Centrelink

Short term cash emergencies can affect the best of us. Therefore, if you receive Centrelink and are looking for loans, the good news is you can still potentially access the cash you need.

There are a number of lenders out there who may be willing to offer loans to Centrelink recipients. They’ll assess your claim like any other and if you meet all the requirements, you can be offered a loan like anyone else.

Keep in mind though that policies will differ from lender to lender. While some will view benefit payments as a source of income, others may not. In addition to this, certain payment types may be viewed differently among lenders.

At the end of the day, if you’re not sure, consider applying with Monzi. We may be able to match you with a lender who is understanding of your situation. However, we cannot guarantee this

Can I access instant cash online?

In a perfect world, the moment you hit apply would be followed by the cash appearing in your account. Unfortunately, in the real world that’s not quite how it works.

While there are plenty of lenders out there offering instant loans, that doesn’t mean you get your cash right this second. An instant approval loan instead is a loan that is processed so swiftly that when you receive your outcome it feels like no time has passed.

In reality, all loan applications will involve some waiting time. In short, Australian lending law requires lenders to assess a customer’s financial situation to determine if the loan is affordable for them.

Rest assured though, if you need fast money, these lenders will do what they can to provide you with an outcome ASAP. It’s just not quite on-demand.

Responsible lending

As has been discussed, all loan applications are subject to an assessment. The question you are probably asking is why?

In simple terms, it’s about protecting you, the borrower. Therefore, the main idea is that lenders must not offer a loan to a consumer that is unsuitable. Put another way, you must be able to make your repayments without significant hardship.

In assessing the suitability of a loan, lenders must take three steps.

  1. Make reasonable inquiries into an individual’s financial situation.
  2. Take steps to verify this information.
  3. Make a final determination as to whether the loan is suitable for the consumer.

For details regarding responsible practices, visit the ASIC’s website. It may help to answer any questions you might have.

Cash on your mobile: why should I trust Monzi?

Monzi makes it simple and convenient to find a lender. We believe in our service and think you will too. However, if you’re still not convinced, consider a few of the following additional benefits that come with applying with Monzi.

  • Fast applications: from beginning to end, your Monzi application will take minutes. We only ask for the necessary details so you can get back to the things you want to be doing.
  • Quick outcomes: our system works fast to provide you with an outcome in no time. In addition to this, our lenders do what they can to assess your application without delay.
  • Top-notch security: Comodo and McAfee secure our online system. These are two of the top internet security providers meaning you information is safe with us.
  • Only the best lenders: we’ve established an extensive network of high-quality, licenced lenders.
  • Flexible repayments: repayment periods may range from 12 to 24 months, depending on the amount you borrow. Not only that, you have the choice of weekly, fortnightly or monthly repayments.

Cash on your mobile now

Ready to begin? Simply submit an online application with Monzi today. Alternatively, follow us on Facebook, Instagram, Twitter and Pinterest.

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 (minimum)

12 months (maximum)


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%. The minimum and maximum loan term is 12 months. 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.

Loan amount

$2,001 - $4,600


13 months (minimum)

24 months (maximum)


48% Annual Percentage Rate (APR)

67.41% Comparison Rate p.a.


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

The Annual Percentage Rate (APR) for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. 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


13 months (minimum)

24 months (maximum)


21.24% Annual Percentage Rate (APR)

48% Comparison Rate p.a.


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

The Annual Percentage Rate (APR) for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. 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.