Man looking upwards

Frequently Asked Questions

Here are the questions you want answers to.

Quick cash loans are personal loans that make their way into your account super fast! By speeding up the application process and automating the tedious bits, we can start looking for lenders for you faster. You can typically borrow quick cash loans between $300 and $15,000.

Small loans are just like fast cash loans, but...small! Nothing too complicated. Typically, small loans are between $300 to $2,000 and are, usually, unsecured loans.

We cannot guarantee that the lender we find won’t conduct a credit check on loans applications. However, we find lenders that may not just look at your credit score, they sometimes dig deeper. They can take a look at your current relationship with money and other factors to see if you’re suitable for quick loans.

Secured personal loans are loans that require equity as security, such as a car, motorbike, boat or caravan. Most secured loans are between $2,100 to $15,000.

To be eligible for our lender-finding service you simply need to be:

  • Over 18 years old
  • An Australian citizen or permanent resident
  • Receiving a regular income for at least 3 months
  • Have an active mobile number and email address

Yes, certainly! We can find lenders that offer cash loans for bad credit. We believe in second chances, so don’t fret about your bad credit. Apply, and let us see what we can do.

Of course! We can find lenders that offer cash loans for bad credit, as well as, loans for people on Centrelink. We can find lenders that don’t purely judge applicants on one criterion, they look at the big picture.

That’s easy - nothing! To apply for a quick cash loan finding service like ours, grab a device of your choosing. There’s no need to submit any paperwork. We’ll just ask for some info such as your bank account details, MyGov info and personal contact details.

At Monzi, we ask for your bank account details so our lenders can access a read-only copy of your bank statements. They use the latest in safe banking technology to protect your information, so don’t worry - your data is safe with us and your lender.

No, but the lenders we find may conduct a credit check. But don’t let that deter you from quick cash loans. We find lenders that look at more than just your credit score. They also examine your current relationship money to see if you’re suitable for fast cash loans.

If we find you a lender (congrats!), that’s the end of our magnificent partnership! The lender will assess your new application, provide you with a credit contract that they have assessed is not unsuitable for you and contact you with regards to the outcome of the application. You are under no obligation to accept the contract, although if the loan amount is suitable for your needs and you accept the loan offer, then they will send through a digital loan contract for you to sign. When we refer you to the lender, we do not recommend a particular credit contract and cannot provide you with advice as to which credit contract is most suitable for you.

Your repayments are subject to your individual lender, however, typically the lenders we find will set up a direct debit with your bank account, so your repayments will be deducted automatically. Easy, right?

We find lenders that know life happens, so if you need to make some changes to your repayment structure, simply get in contact with your lender. Most lenders require 24 hours notice before your next repayment is due to make changes to upcoming repayments.

Monzi Logo

Finding your loan...