Easy Loans With Monzi – Up To $10,000. Find Lenders Today!

Easy loans with Monzi. Apply online for loans from $300 to $10,000; simple application and fast outcomes – get started today!

Finding lenders has never been easier! Simply scroll up and get started with our loan slider.

What are easy loans?

Lenders offering these loans have simpler eligibility criteria than other, more traditional lenders. In other words, being approved with a short term loans lender can often be less complicated than being approved by a bank. Monzi can find online lenders offering easy personal loans of up to $10,000.

Where do I get a stress-free loan?

Do you need fast easy loans today?

If you have an emergency expense, it may be tempting to apply for easy payday loans. Payday lenders can provide loans that can be spent like cash.

Monzi, on the other hand, may be able to pair you with a lender who might offer a personal loan. Moreover, personal loans often have longer and more flexible repayment terms. While we can’t guarantee lenders offering no credit check loans, they will consider the whole picture.

Therefore, with one simple online application, we’ll sort through hundreds of different loan products to find you a lender. If you need a personal loan of up to $10,000, consider getting started with Monzi.

You may be considered for loans even if you have bad credit history.

What are the easiest loans to get?

While that is a great question, it is difficult to answer.

After all, everybody is in a different financial position. Therefore, certain consumers may find it easy to obtain Centrelink loans, while others may find it difficult.

What we can say, however, is that Monzi’s lender-finder service may make it much easier to find online approval for a personal loan.

Moreover, we’ve already paired thousands of Aussies with the lenders they’re looking for. Below are just some examples of the loans Monzi customers have eventually been approved for.

Easy LoansAmount ($) AUDApproved
Easy Loans For Bad Credit2,000
So Easy Loans6,000
Quick Easy Loans7,500

The above amounts are for demonstrative purposes only. They do not, in any way, reflect the loan amount you may be approved for, nor the terms of the loan.

It must be noted, however, that Monzi cannot guarantee whether or not applications for small loans will be approved. The lender you are paired with will assess your application. In short, final discretion always rests with the lender themselves.

How to get an instant loan with Monzi

An instant loan is a personal loan with a quick outcome, so it may feel almost instant. If you, for example, have an urgent expense, you why not consider searching for quick cash loans?

Depending on the lender you’re paired with, you may be approved for same day loans.

Interested? Here’s how to use Monzi’s lender-finder service.

  1. Scroll up to the loan calculator at the top of this page.
  2. Enter in the amount you’re wishing to borrow.
  3. Select your ideal repayment period.
  4. If you’re happy with what you see, click Apply Now.
  5. Complete the online application form.
  6. We’ll sort through our network of credit providers to try and find you a lender.
  7. If successful, we’ll let you know.
  8. Your new instant loan lender should be in touch.

How do you get a loan with bad credit?

If your poor credit has in the past, prevented you from being approved for a personal loan, here’s how you could change things:

  • Check your credit score. There are a number of online loan providers that can give you a free copy of your credit score.
  • Use Monzi’s lender-finder service. The lender we pair you with might be able to offer a loan for poor credit.
  • If again unsuccessful, work on improving your credit score.

Luckily, Monzi is partnered with lenders who may be willing to look past a poor credit score and focus on your current relationship with money. Therefore, if your bad credit has stood in your way in the past, you might want to still consider using Monzi.

In short, you may not have to search online for payday loans no credit check with Monzi.

What is the easiest loan to get with bad credit?

It is difficult for Monzi to say which loan is the easiest to get approval with bad credit. After all, there are varying levels of bad credit. Therefore, the answer will vary depending on the borrower.

If you have bad credit, however, you may find it harder to be approved for credit from traditional providers. After all, many traditional credit providers like banks and credit unions, put a lot of emphasis on your credit score.

On the other hand, Monzi works with a network of online lenders who may be able to still consider you for approval, despite your bad credit.

Have you been knocked back by traditional lenders in the past? If so, Monzi’s lender-finder service might be able to match you with a lender. From there, they’ll conduct their own assessment of your application. Finally, credit providers will send through a contract if you’re approved.

Are there easy loans with no credit check?

People often look for easy loans no credit check because they feel their credit score is so poor, it will get in-between them and approval.

However, if you have spent the day googling no credit check loans or no credit check payday loans Australia, look no further; some of Monzi’s lenders may be able to assist.

Monzi cannot guarantee whether or not a lender will conduct a credit check. We do, however, work with lenders who look at more than just your credit score.

In particular, they will aim to get a better understanding of your current relationship with money.

Therefore, if you’ve got poor credit but are looking for a personal loan of up to $10,000, try Monzi. We could pair you with a lender who might be able to offer you a loan.

Quick and easy loans for bad credit: Monzi investigates

Easy lenders are defined by their willingness to accept applicants from a range of different circumstances. While this may include benefit payment recipients and low-income earners, there’s no doubt that bad credit applicants are the most common.

Given the considerable numbers of everyday Aussies with less than perfect credit it’s worth digging deeper. While you may have bad credit, you might not know how it occurred. Moreover, you may not know how to fix it either.

That’s why we’ve assembled this quick guide to your credit history. We’ll look at credit scores, credit reports and a few strategies that you can employ to right the ship to avoid having to rely on fast easy loans for bad credit. Let’s go.

My credit report: what is it?

Your credit report simply contains a record of all your credit accounts and activities. The listings are unique to you and any individual who has opened a credit account will have one.

In Australia, there are three main credit reporting agencies: Equifax, Experian and illion. Each receives information from credit providers, however, exact listings may vary between agencies.

As a guide, the following information will usually be found on your credit report:

  • Personal information (name, address, birthday, etc.)
  • Credit inquiries
  • Repayment history
  • Current credit accounts
  • Overdue accounts, defaults and credit infringements
  • Bankruptcy

How long do listings remain on my credit report?

Listings will remain on your credit score for a period of between two and seven years. The type of listing will determine the exact length.

On the shorter end of the scale, your repayment history (whether you’ve made them on time) only dates back two years meaning that it is replaced regularly.

On the other hand, defaults, credit inquiries and bankruptcies will remain on your report for at least five years and will result in your credit score being reduced.

Finally, serious credit infringements (e.g. overdue or fraudulent applications) will remain for up to seven years.

As a result, it’s easy to see why it’s important to employ effective borrowing habits. If not, your credit mistakes may follow you and impact your borrowing ability for years to come.

What is my credit score?

Your credit score is a single figure that represents your credit history. In short, it is simply a measure of your creditworthiness or overall reliability as a borrower.

In Australia, credit scores range from 0 to 1,000 or 1,200 depending on the reporting agency that you are dealing with. Obviously, the higher your score, the better you are as a borrower.

Furthermore, credit scores are usually broken into blocks and rated from below average though to excellent. Based on your credit score, lenders are able to get an idea of you as a borrower and will use this information to determine if you should be offered a loan.

Is it possible to improve my credit score?

While easy personal loans for bad credit are a handy option today, you don’t want to have to rely on them forever. That’s why it’s important to try and improve your credit score.

The good news is that it is possible. The bad news is that there is no quick fix. Your credit score is a reflection of your borrowing history. As a result, the only way to see tangible improvements is to implement effective credit habits and maintain them over a long period.

As a guide, key tips and strategies include:

  • Use credit only as a last resort (e.g. easy bad credit personal loans).
  • Shop around before opening a credit account to ensure that you can get the most favourable terms possible.
  • Pay your bills and debts on time.
  • Keep credit card balances low.
  • Monitor and review your credit report regularly for incorrect listings and errors.

Can I get a copy of my credit report?


All Australians can access one free copy of their credit report annually. To access it, all you need to do is contact the relevant agency and request it. You will then receive it by mail within approximately two weeks.

If you would like to access more than one copy per year or want to expedite the shipping process that’s okay too. However, in most cases you will need to pay a small fee.

Are easy loans bad credit more expensive?

Yes, potentially.

Lending to bad credit borrowers is risky for lenders given that these borrowers often have a history of missed repayments or defaults. As a result, to account for this, it is possible that additional fees or higher interest rates may be charged. This will result in your total loan costs being higher.

If you are a bad credit borrower then it may be possible to access a better rate by securing your loan with an asset that you own (e.g. your car). In this case, lenders face less risk given that the loan is guaranteed. In other words, if you fail to make your repayments then your lender may take steps to repossess the asset in order to recover their losses.

Easy same day loans

Apply and have the cash in your account on the same day, sounds good, right?

Unfortunately, at Monzi, we cannot guarantee if this is possible. While sometimes these same day cash loans may be available, there are a number of steps involved that can result in a waiting time of up to one business day.

As a rule, if you are after quick cash then you will need to apply during business hours. Moreover, you must provide all the necessary details when you apply. If you do this then we can potentially have you paired with a lender in just 60 minutes and you may have an outcome soon after. Before you know it, you might have the cash you need in your account.

However, remember that this isn’t possible. Moreover, approval is not certain.

Easy loans online approval

While in the past you may have had to venture to the bank to get a loan, those days are long gone. With lenders offering online approval, you can now access the cash you need from the comfort of your own home.

Not only that, with 100% online applications, that means there’s no paperwork required. When you apply with Monzi, all you need to do is enter the key details that we require and then hit submit. You can potentially have it completed in minutes. From there, our automated system will take over and attempt to pair you with an available lender from our network.

At the end of the day, accessing easy finance loans has never been simpler. Scroll up and use Monzi’s loan slider to begin your application today.

Easy loans on Centrelink: Monzi can help

Just because you receive benefit payments doesn’t mean that you should be unable to access credit. At Monzi, this is something that we believe and many of our lenders do too. As a result, if you apply with us, we may be able to pair you with a lender willing to offer the Centrelink loans that you require.

Best of all, you can potentially borrow amounts ranging from $300 to $10,000 with repayments terms of 12 to 24 months.

In saying this, keep in mind that not all lenders will view Centrelink benefit payments the same. While some will consider them to be a legitimate source of income, others may not. Moreover, lenders may view certain benefit payment types differently too. As a result, approval may depend on the lender that you are paired with.

Quick easy loans for unemployed: are they available?

If you’re unemployed, but in need of credit, there are still options available to you.

In particular, if you’re receiving regular Centrelink payments, you might be eligible for certain credit.

You will, however, need to show that your loan repayments will fit easily into your regular Centrelink payments. Therefore, you may need to have your myGov details handy when you apply.

Also, it is important to note Monzi cannot guarantee you will be approved.

Find lenders Australia wide

Let’s say you’re travelling interstate to visit a friend. Next, you’ve forgotten your credit card and you’re in a major pickle. Don’t spend all day trying to find a local lender in the area. Instead, consider using Monzi’s lender-finder service.

Afer all, Monzi is 100% online Australia wide. In other words, you can access easy loans Darwin, Perth, Brisbane or Adelaide, and everywhere in-between with Monzi

We just might be your new best friend when looking for easy cash loans online.

That means no waiting in queues, no time wasted listening to hold music. Put simply, our 100% online service is convenient and simple to use.

Need access to lenders offering fast online finance? Monzi could be your one-stop-shop.

Monzi means options

We work with a wide network of licensed credit providers that may be able to offer easy cash loans from $300 to a whopping $10,000!

In other words, Monzi might be able to pair you with a lender for any situation; whether you need a little extra cash bump, or something larger, we might be able to help.

The lenders we work with may offer loans that come in three broad categories:

Easy loans AustraliaAmount ($) AUDRepayment TermSecured
Easy small loans$300 to $2,00012-months
Medium loans$2,100 to $4,60013 to 24-months
Large loans$5,000 to $10,00013 to 24-months

The terms on your actual loan may vary depending on the lender you’re paired with.

Keep in mind, small loans (under $2,000) are unsecured. This means you won’t need to attach an asset as security against the loan.

On the other hand, small and medium loans are secured. Therefore, you will need to use either your car, motorbike, caravan or boat as collateral against the loan.

Finally, you must be the registered owner of a vehicle to use it as security.

Easy loans approval and woman with glasses smiling

Why would I need a loan?

Australians love easy approval personal loans because they can be used to cover a myriad of personal expenses. In short, it is really up to you how you spend your loan. After all, nobody understands your situation better than yourself.

Below is a list of some of the more popular reasons for applying for a cash advance.

Car repairs

Monzi can find you a lender who may be able to provide you with personal loans for auto repairs. Put simply, our lenders understand that sometimes the budget is stretched thin and you just can’t cover that new spark plug. So, don’t waste your day scrolling through pages of google searches to find an auto repair lender, let Monzi do the legwork for you.

Renovation loans

Renovating can be the most stressful experience you will go through. Dealing with an array of tradesmen as well as organising your finance is bound to drive anyone crazy!

Maybe there’s a tree root through the pipes and the plumbing just got a whole lot more expensive? Why not take the stress out of the whole experience? So, if you’ve hit a speed bump turn to Monzi.

Put simply, we’ll try to find you a lender who may be able to offer you a loan.

Monzi may be able to find you a lender to provide financial assistance when your renovation fund is running a little dry. Why say no to that newly renovated kitchen – let us do the hard work while you focus on making your home renovation dreams a reality.

Holiday loans

Why not take that break you’ve been dreaming of? Don’t let finance stop you!

Here at Monzi, we may be able to assist you in finding a lender.

Always wanted to head to Fiji? Or, maybe the European Summer is calling? Whatever it is, consider finding a lender offering travel loans through Monzi!

Rental bond

Are you looking to move into a new place? Is your bank account having other ideas?

You could use easy bond loans to help cover your rental bond. Therefore, you can kick your feet up in your new place sooner than you think!

What happens when we find you a lender?

If we have successfully found you a lender then our work here is complete.

Generally, your new lender should get in contact directly. Next, they’ll conduct their own assessment of your application.

Finally, lenders send through a copy of the loan contract upon approval.

Make sure you read through your contract carefully, and only approve if you are happy with all the terms of the loan.

Lastly, once you approve your contract, your lender should begin transferring your funds.

Keep in mind, lenders may not transfer your funds until the next business day if you approve the contract outside of normal hours.

What if I can’t make a repayment?

If you think you’re going to miss a payment it is best to let your lender know 24 hours before it’s due.

Usually, if you get in contact with your lender in time, they should be able to reschedule your repayment.

There may, however, be an additional fee for payment rescheduling.

How can I apply for fast easy cash loans?

At Monzi, we make the application process fast, simple and easy! This means more time for you to focus on what really matters. Applying for an easy loan has never been easier!

  1. Submit your application online. We will just need a few details to pass onto the lender we match you with. This form shouldn’t take more than a few minutes.
  2. Our automated system will scan through hundreds of different loan products to try and match you with a lender.
  3. Will give you the outcome via text and email, so keep an eye on your devices.
  4. If we’re successful, your new lender should be in touch.

Keep in mind, lenders do not automatically grant approval if you match with them. They will conduct their own assessment of your application. Therefore, final discretion always rests with the individual lender.

Can I get easy fast loans with no bank statement?

Unfortunately, you cannot.

When you apply, you must provide your online banking details. This information is critical for lenders to get an idea of your budget and income as well as what you can potentially afford to repay. In addition to this, your bank account must have at least three months of transaction history too.

If you fail to provide this information then your application will be denied. After all, without it, lenders will be unable to determine your capacity to repay any money that you borrow. Therefore, they cannot lend you money.

Can we find lenders offering bad credit loans?


Monzi works with a network of lenders who may be able to offer you fast and easy loans, despite your bad credit. Instead, lenders will focus on the whole picture.

Can Monzi find lenders offering quick and easy loans online?

At Monzi, we understand that when people want things to happen quickly, they mean it.

Therefore, we’ve designed our entire lender-finder service to be as streamlined and as simple as possible.

We’ll only ask you to fill in essential information. Moreover, our smart banking technology means you won’t even have to fill out any paperwork.

Next, our automated system works quickly to try and find you a lender. Depending on when you apply, you may even have an outcome within minutes.

Are easy loans safe?

Yes, while it’s natural to be concerned about your privacy and information when applying for easy loans online, as long as you only apply with a trusted, licenced credit provider then there is no reason to be worried.

If you are looking to determine if a lender or trustworthy or not, there are a few things that you can do.

Firstly, check their credit licence. This is issued through the government and lenders must meet a number of requirements to be eligible. In most cases, this is the first box that you should check.

Secondly, check their user reviews online to get an idea of past borrowing experiences. If the reviews are largely positive then that’s often a good sign.

Finally, you can apply with Monzi. We work with a vast network of lenders, all of whom are trusted and licenced. As a result, we will only ever pair you with a lender that you can trust.

How easy is it to repay online cash loans?

Repaying your loan could not be simpler. However, there are few things to be aware of.

Firstly, when you apply, you’ll have a few decisions to make. While you’ll obviously need to select your loan amount, you’ll also need to select your repayment term and frequency too.

For loans over $2,000, you’ll have to choose between repayment terms ranging from 13 to 24 months. In addition to this, you’ll be able select either weekly, fortnightly or monthly repayments too. So, pick the one that works best for your financial situation.

Once that’s out of the way, making your repayments is straightforward. Simply establish a direct-debit from your account and they’ll be automatic. All you need to do is make sure that there is enough money in your account.

Comparing easy approval loans

Easy quick loans aren’t all made equal. In fact, they can differ significantly from lender to lender in terms of the fees, rates and terms applied. As a result, it’s often a good idea to compare loan products. You could potentially find a lower rate and save yourself money in the long-term.

So, if you’re not sure what to compare, aim to evaluate the following:

  • Interest rate: the additional amount that you pay for the cost of borrowing money. It’s charged as a fixed percentage of your outstanding balance.
  • Fees: the fewer the better. These fees may be one-off (e.g. late fees) or on-going charges (e.g. administrative fees).
  • Comparison rate: rolls your fees and rates into a single annual figure that represents your total loan cost. Use it to compare costs between loan products.
  • Borrowing limits: personal loans usually range from $300 to $10,000 so ensure that you can borrow the amount that you need.

What are the issues with quick easy loans online?

Easy loans can be a manageable option if you find yourself facing a cash shortfall. You’ll get cash that you need in the short term while the costs are spread evenly over a fixed period. While that all sounds good, they are by no means the perfect solution.

Firstly, any money that you borrow must be repaid with interest. Your personal loan interest rate will be outlined as an annual percentage and is applied to your outstanding loan balance. As a result, the amount you repay will exceed the amount you borrow.

In addition to this, borrowers often find themselves facing issues if they borrow more than they can afford. If your repayments are too high, you can find yourself struggling to juggle your everyday expenses with your loan obligations. This can lead to missed or late repayments as well as defaults which can have damaging impacts on your credit score and may limit your ability to access credit in the future.

Easy loans instant approval

You want your cash fast, right?

Unfortunately, while some lenders may advertise instant approval loans, it’s worth understanding exactly what this means.

In short, you won’t receive an outcome the second that you apply. Instead, lenders will always be required to take some time to conduct an assessment on your application. This is a legal requirement and means that some processing time is unavoidable.

As a result, while you can still access loans fast, they won’t quite be instant. Instead, you might receive an outcome so quickly that it feels like no time has passed at all.

Responsible lending

Monzi works with lenders who comply with responsible lending practices.

Responsible lending practices revolve around making sure borrowers only enter into credit that is suitable for their individual circumstances.

To do this, lender must make reasonable enquiries into a borrower’s financial circumstances as well as their needs and objectives. In addition to this, they must take reasonable steps to verify this information. Based on their findings, lenders can then provide an outcome.

Consumers can access a full copy of the regulatory guide via ASIC’s website.

What information do I need to provide?

In order to determine if you should be offered a loan, lenders will require a number of key details. In short, lenders use this information to develop an idea of your financial situation as well as your reliability as a borrower. From this, they can determine your suitability for credit.

While exact requirements may vary between lenders, in most cases you must provide the following information:

  • Personal details (e.g. name, date of birth, etc.)
  • Online banking details
  • Your current income and employment status
  • An estimate of your day-to-day expenses
  • Details of any outstanding debts
  • The amount you wish to borrow
  • Any other relevant information (e.g. Centrelink benefit payment details)

Easy online loans and Monzi: anywhere, anytime

At Monzi, we offer a 100% online lender-finder service. That means that we’re not bound by time or geography. In other words, you can apply whenever and from wherever you like.

Whether you’re out in the bush or living in the city, Monzi doesn’t care. We’re here to help all Aussies and we won’t discriminate. As long as you’re an Australia citizen or permanent resident and meet our eligibility criteria, we’re here to help you find great lenders online.

Best of all, you can apply and be approved all from the comfort of your own home. Or anywhere for that matter. Our website is live 24/7 so apply at a time that works for you.

However, keep in mind that applications received outside of business hours may encounter delays.

Apply today!

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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


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.

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


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.

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.