Christmas Loans Up To $10,000 Online This Holiday Season – Apply With Monzi

Christmas loans could give you a cash boost this silly season. Apply today with Monzi from $300 to $10,000. We could match you with a lender in 60 minutes. With manageable repayment terms and fast outcomes, Monzi could make it easy to find Aussie lenders online. Apply now.

Please note, certain ideas and products presented in this article may not be offered by Monzi nor the lenders we work with. This article presents only general information. Consider seeking professional financial, taxation, legal or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

What are Christmas loans?

First things first, Merry Christmas!

As we enter one of the happiest periods of the year, we also have to recognise that it can be one of the most expensive too. Between presents, food, drinks and travel costs, the holiday period can quickly put a major dent in your budget. That’s where Christmas loans may be able to help.

In short, a Christmas loan is just a form of personal loan that you can use to cover your festive costs. In other words, you can borrow the cash you need now and pay it back over the coming months or years via a series of manageable and affordable repayments.

With Monzi, you can apply for cash this Christmas from $300 to $10,000. Through our lender-finder service, we could match you with an Aussie lender before you know it.

So, if you’re after a Christmas loan, why not give Monzi a try? Discover quick and easy finance for you this December. Apply today.

Quick Christmas loans and Monzi

Merry Christmas and a Happy New Year to you. We’re Monzi, an Aussie lender-finder service that may make it easy for you to access instant Australian cash loans this holiday season.

In short, we work with a network of established lenders who might offer cash loans up to $10,000 this Christmas. All you need to do is apply. From there, we’ll do what we can to match you with an available money lender in no time.

Best of all, lenders may offer repayment terms ranging from 12 to 24 months, depending on the amount you borrow. As a result, you potentially get your cash now and repay it over the coming months. Easy, right?

However, just remember that approval isn’t certain. Lenders will assess your application to determine if you should be offered a cash loan this Christmas. Moreover, ensure that you apply during business hours if you’re after a fast response.

As a guide, examples of loans that may be offered by our lender this Christmas can be seen in the table below:

Christmas LoanAmount ($) AUDSecured
Christmas loans for bad credit Australia$1,000No
Christmas cash loans no credit check$2,500Yes
Christmas money loans$5,000Yes

However, this table is for demonstrative purposes only. As a result, use it as a guide to get an idea of potential options that may be available to you. Just remember that lenders may vary in the loans that they offer.

Are there any Christmas loans no credit check?

In short, there may be. However, Monzi cannot guarantee if you will offer an instant loan with no credit check. After all, we are simply a lender-finder service and credit checks will only be conducted by lenders.

In most cases, lenders will check your credit so that they can establish an idea of your reliability as a borrower. However, some lenders may bypass this step in certain situations.

At the end of the day, cash loans with no credit check will only be offered at your lender’s discretion. As a result, their availability may depend on the lender you are dealing with.

Finally, note that credit checks aren’t always the end of the line if you’ve got bad credit. At Monzi, we work with lenders who may consider offering bad credit online loans in some cases. As a result, it may still be possible to access cash loans with bad credit, if you are in a secure financial position.

Christmas loans for unemployed

Looking to apply for 24/7 loans for unemployed this Christmas? At Monzi, we may be able to match you with lenders who may consider applicants without a job. However, this does come with a condition.

If you are unemployed, then you will not be approved if you do not earn any income. However, if you receive Centrelink benefit payments, then some lenders may be able to consider this as legitimate income. Ultimately, to receive approval, you must show that you can repay the money you borrow.

In addition to this, if you do not have a job, then applying for a personal loan may not be the right choice. These loans can be expensive, given the interest and fees involved. As a result, you should instead consider other options that may be available (e.g. additional government support).

Christmas loans for bad credit

Need a little cash injection for Christmas? Worried that your credit score will put a dampener on the festivities? Luckily, in these situations, Monzi may have you covered.

In short, we’ve worked hard to establish a dedicated network of trusted and understanding lenders. With this, some may even be willing to consider offering loans for bad credit.

It’s all about taking a different approach. While lenders may take a peek at your credit, they’ll often assess the bigger picture. As a result, if you’re in a secure position financially (e.g. have a well-managed budget), then it may be possible for you to be approved for a little extra Christmas cash even with a few blemishes on your credit report.

However, bear in mind that not all lenders will offer personal loans to bad credit individuals. Moreover, lenders retain the right to approve applications where they see fit. As a result, approval is not certain.

Christmas payday loans vs personal loans

Payday loans and personal loans: what’s the difference? This is a key question that often gets asked. If you’re new to the lending game, it’s important to know the difference. Luckily, Monzi’s here to help.

Firstly, Australian payday loans usually refer to unsecured cash loans up to $2,000. These loans often come with brief repayment terms and high interest rates. However, the benefit is that these loans may be processed fast so that you receive an outcome ASAP.

On the other hand, Monzi works with lenders who may offer personal loans up to $10,000. As a result, you can potentially access a more diverse range of cash amounts. Not only that, with repayment terms from 12 to 24 months, a personal loan could be a more manageable option for you.

Christmas loans online 24/7

The major benefit of being a 100% online service is that we’re available 24 hours a day, seven days a week. As a result, you can apply whenever you like. Just head up to the top of the page and use Monzi’s loan slider to get started now.

In addition to this, as we’re online, there’s no paperwork required. As a result, rather than spending your day going through stacks of forms, you just have to enter a few key details via Monzi’s online application platform. It’s as simple and straightforward as it gets. Just make sure that you have your bank account details and other personal information on-hand before applying.

Finally, remember that applications received outside business hours may encounter delays. As a result, if you apply on Christmas Day, any other public holiday or on the weekend, then you may not receive an outcome until the following business day. This is because lenders may not process applications during these times.

Can I get an instant loan this Christmas?

Instant cash online 24/7 probably sounds like an appealing option if you’re low on funds. However, when it comes to instant loans, it’s important to understand exactly what they are.

In short, you won’t receive your cash instantly. Instead, there will always be some processing time while the lender assesses your application. However, lenders often do work fast so that you may receive an outcome in what feels like the blink of an eye.

In most cases, though, it’s a good idea to account for a waiting time of up to one business day. While you may receive same day loan approval, inter-bank transfer times may impact when you can access your cash.

Can I get a loan at the last minute?

Time’s running out. You haven’t done your Christmas shopping and you’re yet to buy a ham and a turkey. Worst of all, you don’t have the cash to cover all the expenses you’re dealing with. That’s where last minute Christmas loans could come in handy.

In short, at Monzi, we work with lenders who work fast. If we successfully match you with a lender today, then they may waste no time in assessing your application. As a result, it could be possible for you to receive an outcome before you know it.

However, if you’re after a cash loan at the last minute, ensure that you apply during business hours. Applications received outside standard hours or on public holidays (e.g. Christmas day) may not be processed until the following business day. As a result, you may be unable to access the cash you need on the big day.

Can I get Christmas loans on benefits?

If you receive Centrelink benefit payments, the good news is that you may still be able to access fast approval loans this Christmas. In short, this is because Monzi works with a handful of lenders who may be able to accept benefit payments as income. As a result, if these payments account for a portion of your income, then you’re welcome to apply.

However, remember that approval is not certain and that policies may vary between lenders. In other words, while some may accept benefit payments as income and offer loans for people on Centrelink, others may not. Moreover, to be offered a loan, the repayments must fit comfortably with your budget.

Finally, if you’re on Centrelink, then make sure that you consider alternatives. While taking out a loan may be a quick and easy cash option, the considerable costs mean that it may not be the most appropriate choice for your circumstances. Instead, you may need to investigate additional government support that could be available to you.

Can I apply for small Christmas loans?


Monzi knows a few lenders who may specialise in offering small personal loans from as little as $300. As a result, if you’ve got some minor expenses that you can’t quite deal with, then a small personal loan found online could be an option for you. Best of all, you could have it repaid in just 12 months.

In addition to this, small loans come with the added benefit that they are unsecured credit products. As a result, there’s no need for you to provide security on the loan (e.g. you car). You’ll just need to make your repayments until the balance of your loan has been paid off.

Guaranteed Christmas loans for something a little larger

While borrowing a small cash amount may be ideal, unfortunately, that’s not always possible. As a result, if you run into a major cash emergency this Christmas, then Monzi may be able to put you in touch with lenders who can help.

With Monzi, you apply for secured loans from $2,100 to $10,000. These loans will come with 13 to 24 months repayments making them a slightly longer commitment. However, they can potentially help you address an issue when you need cash today.

In addition, make sure that you take note of the fact that loans over $2,000 are secured loans. As a result, before you apply, you must ensure that you have an asset that you can provide as security. For instance, your car or boat.

Finally, if you default on a secured loan, then your lender can potentially take steps to repossess your nominated asset. While this is usually a last resort after other avenues have been exhausted, it is still a risk that you must account for before applying.

Christmas tree bought using Christmas loans

Monzi’s ultimate guide to Christmas gifts

If you’re looking to apply for loans for Christmas, you might be wondering what presents you should buy for those special people in your life. Whether it’s your partner, mother, brother or even that Aunty you only see once a year, buying the right gift can buy you plenty of brownie points.

So, to assist you, Monzi’s assembled this quick guide answering the most common gift-giving questions. Check it out:

The best presents for him

Men are notoriously hard to buy for. However, don’t be disheartened. Monzi’s here to help you out. To get you thinking, we’ve compiled a few creative yet cost-effective ideas for you to consider. See below:

  • Dashcams
  • New tech
  • Subscription boxes
  • Hats and caps
  • Event tickets
  • A new wallet
  • Gift cards

However, remember that the best gifts match an individual’s needs and wants. While we’re able to give you a few ideas to get the ball rolling, the best gifts usually come from the heart. So, think long and hard about what that special person in your life actually wants. If you do that, then we’re sure that you can come up with the perfect gift idea.

The best presents for her

Whether it’s your mum, sister, partner or just a friend, buying a present for that special someone doesn’t have to be difficult.

However, if you’re stuck for ideas, that’s OK. At Monzi, we’ve put together this easy list of gifts for her that you could purchase this Christmas:

  • Candles: there’s a reason why they’re a popular gift. They’re low-risk, affordable and there’s often a huge range to choose from. Just make sure that you pick the right one.
  • An annual planner: while it’s a simple gift, it’s practical too. A yearly diary makes it easy to keep track of the key events and dates in life. Not only that, but it’s also a step up from a calendar too.
  • Comfy slippers: we all love to stay warm and cosy. Some fluffy slippers or new ugg boots are always a winning gift. Just ensure you get the size right.
  • Plants: Indoor plants have never been more popular. Moreover, they make a great gift too. A cool pot and a plant that’s easily maintained is always a safe gift idea.

Don’t quite have the funds to purchase the gifts on the list, you could consider applying for fast cash with Monzi. We could match you with lenders offering personal loans from $300 to $10,000. However, consider the costs and risks associated with taking out a loan before applying.

What should I buy for the person who’s impossible to buy for?

While we’d love to give you an answer, there really is no easy solution. After all, if they’re impossible to buy for, then finding the right gift won’t be straightforward.

However, one useful tip is to keep it simple and practical. Generally, if you try to get too creative, then you run the risk of giving them something that they won’t like. So, instead, stick to the basics. Aim to purchase something that will make their life easier or they will use every day. For example, a good blanket or extra-long charging cable could be handy options.

What should you never get someone for Christmas?

There are plenty of gifts that you should never give someone for Christmas. In some cases, they may be inappropriate. In others, they’re simply too much of a hassle or present an obligation.

As a guide, common gifts to avoid include:

  • Pets: unless you’ve cleared it with them first, pets should be a no-go. After all, the recipient will have to care for it and some people just don’t want that commitment.
  • Flights: don’t gift someone flights unless the holiday is planned prior. You never know what their schedule may be like or if they can get time off work. On the other hand, a flight voucher is often a much better option.
  • Anything re-gifted: if you’ve received a present you don’t like, don’t pass the problem onto someone else.
  • Socks: while they may be practical, it’s hard to get enthused about receiving socks as a gift.

However, this list won’t apply to everyone. As a result, you must consider the recipient of the gift before deciding what not to buy.

Is it OK to give money as a Christmas present?

The answer to this question will likely vary based on who you talk to. From our perspective, though, there’s nothing wrong with slipping someone a few bucks as a Christmas present. After all, they can then use the money to buy something they actually want.

However, pick your target. For instance, while cash may be an acceptable gift to give to your nephew or cousin, it’s probably not the most thoughtful gift to give to your mother. As a result, the appropriateness of cash as a gift will vary.

Finally, if you’re taking out a Christmas loan, it’s probably not wise to give this cash out as a present. Instead, you should typically only need a loan for necessities. For instance, you may need some cash to cover the cost of your Christmas travel. In many cases, consider your financial situation before applying.

Christmas giving and the four gift rule

Sometimes, it can be difficult to know how many gifts you should buy for the special someone in your life. Well, luckily, Monzi’s here to give you a potential solution. In short, it’s called the four gift rule.

The rule states that you should buy gifts from four categories:

  • One present that they need.
  • A present that they want.
  • A present they can wear.
  • One present that they can read.

Obviously, though, you don’t have to stick to this rule. It’s just a quick idea to get you started. You’re welcome to buy more or fewer gifts or even tweak the categories to better suit the person you’re buying for. At the end of the day, the best gifts are those that match the recipient’s individuals wants, needs and preferences.

Can I get a loan to cover my Christmas travel costs?

Are you on the move this holiday season? Maybe you’re travelling interstate to see family or perhaps you’re just looking to get away on a holiday. Whatever your situation, you may be able to apply for travel loans through Monzi.

In short, with loans to cover your travel costs, you can borrow the money that you need to pay for your flights, train tickets, accommodation costs or other such expenses. With Monzi, you can apply for these loans from $300 to $10,000 today. You’ll just need to provide your reason when you apply.

However, remember that there are costs associated with borrowing money. In other words, all loans must be repaid with interest, so you’ll always repay more than you borrow. As a result, consider your current financial situation (e.g. budget and savings) and decide whether taking out a loan is an appropriate option for you.

To get a better idea of current finances, make use of online budget planning tools such as the one provided by Moneysmart.

How can I manage my expenses this holiday season?

While a Christmas loan could be one way to get a little extra cash in December, there are other ways that you can manage your finances to ensure your Christmas is one to remember.

To get you started, Monzi’s put together a fast and easy guide covering some basic tips to help you manage your budget. Check them out:

  • Split the burden: just because you’re hosting Christmas doesn’t mean you have to provide everything. So, assign an item to everyone. As a result, you can cut your food bill considerably.
  • Make a budget: Know how much you’re going to spend and stick to it. While it feels great to give gifts, you shouldn’t overextend your budget to do so. Consider layby or other such options too.
  • Limit your gifts: set a hard rule on the number of gifts that you will buy. Moreover, only buy presents for the most important people in your life.
  • Buy at the sales: you don’t have to give gifts on Christmas Day. Why not wait until the Boxing Day sales to make your purchases.

Remember that Monzi cannot speak as to what’s best for your financial situation. As a result, you must consider your circumstances and determine how these tips may apply to you.

What’s the fastest way to get a loan for Christmas?

While we cannot say for sure, one simple way to find lenders online offering fast easy cash loans this Christmas could be to apply with Monzi. In short, our quick and hassle-free service may take the stress out of finding a lender.

So, while you could spend all day, trawling through search results, trying to pick a lender. Why bother? Just submit one easy application with Monzi. From there, we’ll do what we can to put you in touch with a credit provider offering Australian cash loans from $300 to $10,000 this Christmas. Best of all, with repayment terms that may range from 12 to 24 months, there could be an affordable option for your circumstances.

As a result, whether you’re looking to put a few extra presents under the tree or want to complete a few projects over the holidays, turn to Monzi. Apply today and you may be matched with a lender in just 60 minutes. Let’s go.

Can I apply with Monzi this Christmas?

While Monzi aims to make every holiday season a great one, you must ensure that you are eligible before applying. Not to worry, though. All you have to do is tick these four simple boxes:

  • Australian citizen or permanent resident.
  • At least 18 years of age.
  • Have an active email address and mobile number.
  • Possess an online bank account with at least three months of history.

If you meet these criteria, then you’re able to move onto applying for the extra cash you need in your account to make this Christmas a memorable one. Just remember that meeting Monzi’s criteria does not guarantee that your application will be successful.

How do I apply for Christmas loans with Monzi?

Monzi has made it easy for you to apply. After all, Christmas is about spending time with family and friends. So, you shouldn’t be tied up for hours trying to apply for a loan.

When you’re ready to begin, just scroll up to Monzi’s loan slider or hit “Apply Now.” Once you’ve done that, just follow these quick steps:

  1. Choose your loan amount and repayment term (if applicable).
  2. Provide the necessary personal and financial details. Submit your application.
  3. Go and enjoy your day while Monzi sets about trying to pair you with an available lender from our network. Apply during business hours and you may receive an outcome in just 60 minutes.
  4. We’ll be in touch with an outcome. If we successfully pair you with a lender, then they will contact you to conduct an assessment.

Contact Monzi

Do you have questions left unanswered? Don’t be afraid to reach out. Monzi loves the season of giving and we’re always here to help.

So, if you’ve got questions about our organisation or what our process entails, email us at Once we receive your correspondence, one of our customer service team members will provide you with a response that addresses your concerns. Not only that, we’ll even throw in a bit of Christmas cheer too.

However, remember that Monzi can only answer questions that relate specifically to our organisation. As a result, you must contact your lender directly for questions about loans that you’ve taken out or the products that may be available to you.

Make your Christmas one to remember: apply today!

Bring a little festive cheer to this Christmas season. Apply for cash loans fast online from $300 to $10,000 with Monzi today. Get a little bit extra in your pocket today.

Scroll up and use Monzi’s loan slider to apply now!

Want to keep in touch? You can follow Monzi on Facebook, Instagram, Twitter and Pinterest. Let’s be friends.

Has Christmas passed? Maybe Easter is up-coming. You can apply for Easter loans from $300 to $10,000 with Monzi too.

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


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.