Fast Approval Loans From $300 To $10,000. Need Speedy Finance?

In the midst of a financial emergency and not sure where to turn? Fast approval loans could be an option. Whether your car’s broken down or your fridge has called it quits, some expenses just can’t wait. If you’re looking for personal loans fast approval, Monzi may be able to help. We can help find a lender who can potentially provide loans up to $10,000.

Monzi is a lender-finding service. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

Fast approval loans

Fast approved loans are designed to get you the instant cash you need in a hurry. There are no complicated applications that you may find with banks and credit unions. Therefore, your application is processed quickly to potentially get you the fast easy cash loans you need without delay.

Finding lenders offering quick approval loans does not need to be a stressful experience. Monzi’s lender-finding service will do the work for you. If you’re looking for loans of between $300 and $10,000, we can potentially connect with a great lender who may be able to lend the cash you need to cover your urgent expenses.

Below are some examples of the loans previous Monzi clients went on to be approved for:

Fast approval loans AustraliaCash loans no credit check fast approval
Bad credit unsecured personal loans with very fast approvalLoans online very fast approval
Cash loans fast approvalFast online approval loans

The above table is for demonstrative purposes only. The information presented above does not necessarily reflect the actual loan you may be approved for.

Who is Monzi?

Monzi is a lender-finding service. In order words, we try and match consumers with lenders potentially offering easy loans fast approval. In short, our objective is to make it a stress-free process for you. After all, if you’re looking for fast approval loans, you may be already stressing.

While it’s true you can find your own lender, Monzi may be able to make it so much easier. Our automated system does the research for you, scanning through a multitude of potential lenders.

Not only can it save you time, but it’s totally free. If you need cash fast, why not consider Monzi’s lender-finding service?

Small loans fast approval

At Monzi, we know that not everyone is looking for secured loans of $10,000. Quite often, people are just looking for a few hundred dollars to cover a minor expense. Maybe you have to pay a bill today, but your payday isn’t until next week? That’s what small loans can be used for.

With this understanding, Monzi has developed an extensive network of lenders, some who specialise in small loans. Typically ranging from $300 to $2000, small loans are, in most cases, paid back over the course of 12 months.

If you’re looking for small loans, why not try Monzi’s lender-finder service. We can potentially save you the hassle of finding a lender while getting you the cash you need.

How much can I borrow?

As mentioned, everybody is different and, as such, have different cash needs. Monzi works with an array of credit providers each potentially offering a range of loan options. Depending on your cash needs, you’ll likely fall into one of three loan categories.

Small loans:

Unsecured loans ranging from $300 to $2,000. Typically repaid over 12 months.

Medium loans:

Loans ranging from $2,100 to $5,000. Repayment periods can range from 12 months to two years. Medium loans are secured loans meaning you are required to nominate an asset as collateral.

Large loans:

Secured loans from $5,000 to $10,000. Like medium loans, repayment periods typically range from 12 months to two years.

If you’re looking for one of these loans, Monzi could potentially connect you with a credit provider.

Why might I need fast approval personal loans?

Fast approval cash loans are there for you when you really need them. If you have an urgent expense and can’t afford a delay, they might be the help you need. You get the cash you need in no time while spreading the cost over months or even a couple of years.

If you’re not sure what you can use personal loans fast approval for, the answer is simple. You can use them to cover almost any expense. Although, some expenses do tend to come up more than others. The most common examples include:

Car repairs

Whether it’s getting you to work or getting the kids to school, we rely on our cars. If you have a breakdown, paying for repairs is probably a necessity because let’s face it, most of us can’t live without them. The good news is you can apply for car repair loans from $300 to $10,000 with Monzi.

Household expenses

If a pipe bursts or your tap breaks and there is water everywhere, waiting isn’t really an option. Unfortunately, emergency plumbing isn’t cheap, especially if you need help outside normal business hours.


Prices on new white goods and appliances can range from a few hundred dollars to a few thousand dollars. While you might be able to survive without a microwave, not having a fridge would be a disaster.

Medical bills

Your health usually can’t wait. Whether it’s paying for medications or surgery, your health should be your number one priority, no matter the cost. While medicare or your health insurance may cover some costs, in a worst-case scenario your bills can still range into the thousands. If you can’t afford it, fast approval loans might be an option.

Vet bills

We all love our pets but let’s face it, vet bills can be really expensive. Whether it’s illness or injury, pet care can rival healthcare in terms of costs. Your pet is like another family member so, in most cases, you’ll pay whatever is required to get them back on their feet.

Will you conduct a credit check when I apply?

If your credit history is less than stellar, it may be difficult to secure approval from a traditional lender. Therefore, you may find yourself searching the depths of the internet looking for lenders offering cash loans no credit checks fast approval.

As a lender-finder, Monzi is not going to complete a credit check on you. We are simply the bridge connecting those looking to borrow, with those potentially willing to lend.

However, the lender you match with may still credit check your application. Each lender has a number of steps they take to verify your ability to repay your loan. A credit check may be part of this process, although, it is likely they will consider more than just your credit history when assessing.

In assessing applications, lenders typically form a complete picture of your financial situation. They will ask for your income as well as your day-to-day expenses like rent, food or any outstanding debts. Looking at your situation as a whole, lenders will then make a determination as to whether or not to approve your application.

Fast approval bad credit loans – are they out there?

While banks tend to be less forgiving, at Monzi, we understand that not everyone is going to have perfect credit. The lenders we associate with understand this too. This means bad credit unsecured personal loans with very fast approval Australia may be available to you.

When assessing applications, lenders want to know if you are going to be able to make repayments. While your credit history is one piece of information that may be considered, our range of lenders can typically look a little deeper.

If you’re earning a regular income and have your day-to-day expenses under control, you can potentially be offered cash loans for bad credit. In other words, your current financial situation can be just as important as your past borrowing behaviours.

Can I improve my credit score?

Are you getting rejected for credit and loans? Do you think you have to rely on fast approval loans for bad credit? A bad credit score can seem like an impossible hole to dig yourself out of.

If this sounds like you, the good news is that it is possible to improve your credit score. The bad news is that there is no instant fix.

At the end of the day, your credit score reflects your borrowing history. Therefore, to see tangible improvements, you’re going to have to practice good borrowing habits over a period of time.

If you’re looking to improve your credit score, a few simple tips include:

  • Avoid late repayment listings by paying all your bills and credit on time.
  • Only apply for credit or loans when it’s absolutely necessary.
  • Pay off your outstanding debts and loans as soon as possible.
  • Review your credit report regularly to see where you might be going wrong.

With a bit of discipline and a commitment to improving your borrowing habits, you can leave behind your days of searching for bad credit unsecured personal loans with very fast approval.

Fast approval loans for Centrelink customers

You may be eligible for instant loans even if you receive Centrelink. In short, lenders look at a range of factors in determining whether a loan is suitable for a consumer. If through their assessment, you meet the required criteria and can make regular repayments, you may still be considered for a loan.

Keep in mind that each lender will do things a little differently. Not all lenders will accept Centrelink payments as income. In short, it will likely depend on the lender’s policy. For example, certain lenders will not consider Youth Allowance or Austudy as regular income.

If you’re not sure where to begin, look into the benefits you are receiving and the percentage of your income this accounts for. This may help you get a better idea whether or not you qualify for a loan.

Ultimately though, there are no guaranteed approval loans. Your lender will provide you with an outcome based on their assessment of your financial situation and your ability to repay your loan.

Are low income earners eligible?

Of course. Financial emergencies can happen to anyone, at any time. Regardless of your current income, Monzi can potentially find lenders willing to offer quick approval loans for low income earners.

If you’re on a low income and you apply for quick cash loans, your application will be assessed like any other. Lenders will typically investigate your current income and expenses to help them form a good idea of what you can afford to borrow and repay. From there, a decision regarding your application will be made.

Lenders do, however, retain the right to approve or deny any applications. While applications submitted by low income earners will be fairly assessed, there is no way to guarantee whether or not they will be approved.

Fast approval unsecured personal loans for unemployed people

If you currently have no regular income, it can be tough to be approved for fast approval loans. Loans assessments are typically based on the likelihood that you will be able to repay what you borrow. Without a regular income, making repayments may not be possible.

In saying that, certain lenders may be able to accept regular Centrelink payments as a form of income. On the other hand, some lenders may be able to accept income-earning assets. For example, this may include owning a rental property that earns money.

Ultimately, lenders will have the final say on who is approved or denied. As a result, it is not possible to make any guarantees about whether you will be offered loans for unemployed individuals.

Man sitting down with brown satchel browsing for fast approval loans on laptop


Want to use Monzi’s lender-finder service? Make sure you check these boxes:

  1. Australian Citizen or Permanent Resident.
  2. 18 years or older.
  3. Have an active phone number and email address.
  4. Received a regular for the three months prior to your application.

How to apply

Looking for fast approval loans? Three simple steps are all there is to it. At Monzi, we value convenience and simplicity and our application process is a reflection of this. If you’re looking to get started, all you have to do is:

  1. Apply. Select the amount you wish to apply for, enter your details and click ‘Apply Now’.
  2. Wait. Our system will try and match you with a potential lender. Depending on when you apply, you may receive an outcome within 60 minutes.
  3. Link. If we find you a match, they’ll first assess your application, and get in contact if they can make you an offer. From there, you’ll deal with your new lender directly.

How fast is fast?

If you’re looking for cash loans fast approval, we know you don’t have time to waste. At Monzi, we’ve cut out all the unnecessary steps to provide you with the quickest application process possible. When you submit your application, you could potentially be matched with a lender within the hour. This is, however, dependent on you applying during normal business hours.

From there, your lender will do what they can to process your application promptly. Unfortunately, we can’t guarantee just how long this will take. Each lender will have their own unique procedures they follow when assessing claims. Processing times, as a result, can vary significantly between lenders.

To give yourself the best chance of fast approval, ensure you apply during normal business hours. Applications on weekends or outside normal hours, however, may result in delays.

If your application is approved, you will be sent a digital loan contract. Lenders will only be able to transfer funds after you approve your contract.

Fast online approval loans – it’s so easy now!

If you go back only 20 years there would have been no such thing as online loans fast approval. Your only option to get a loan would have been to go to your local credit provider. With traditional lenders like banks and credit unions, you may have had to schedule an appointment to have your application assessed in person.

But now, thanks to the magic of the internet, you can secure the loans you need from the comfort of your own home, or anywhere else you want. Our 100% online model means that your only barrier to submitting an application is a working internet connection.

Finding lenders willing to offer you loans online fast approval has never been easier. With no calls or meetings, Monzi’s commitment to simplicity is all about making your life easier.

How much will I repay?

Your lender will ultimately determine your repayments. Therefore we can only you a rough estimate of what they will be.

Lenders will consider both the size of the loan as well as the repayment period in calculating your repayments. When you reach an agreement, they will explicitly communicate what your repayments will be. Depending on what works best for your situation, you can choose to make weekly, fortnightly or monthly payments.

Lenders typically offer direct debit options so making repayments is a breeze. Just set it up and the money will be taken from your account without you having to lift a finger. It’s also a great way to ensure you don’t forget to make a scheduled repayment.

Once you’ve paid back your loan in full, payments will cease; it really couldn’t be any easier.

Looking for bad credit loans fast approval? Consider the following

While personal loans can be great to help you manage tricky financial periods, they don’t come without risk.

Borrowing more than what you can afford to repay can result in late fees or defaulted loans. Building a reliance on borrowing can also result in debt spirals or even bankruptcy. Desperation can often lead to people getting into agreements with less than reputable lenders.

To stop yourself from falling into one of the many potential traps, ensure you consider a few of the following questions before taking out fast approval loans for bad credit:

  • How much am I currently earning and what are my day-to-day expenses?
  • How much do I need to borrow?
  • What can I afford to repay?
  • Do I have any other current debt obligations?
  • Which repayment schedule will work best for me? Weekly, fortnightly or monthly?
  • How long will I be making repayments for?
  • Is taking out a loan my only option?
  • Have I read my loan contract and taken note of all the fees and rates applied?

As long as you have a clear idea of your financial situation, taking out a personal loan shouldn’t be a problem. You’ll get the cash you need now while spreading the costs over a long period. Just ensure you are cautious and understand the risks before you get started.

Late payments and financial hardship

If you have an upcoming repayment that you don’t have the cash to cover, get in contact with your lender ASAP. Late or missed payments will result in your account being charged a fee, however, if you get in touch early you can potentially reach an agreement with your lender.

If you’re unfortunate enough to suffer a major change in circumstances that leaves you unable to make your repayments, you’ll have to apply for financial hardship. Luckily, lenders will have departments in place to deal with these situations.

As part of your application, you’ll be required to submit relevant financial information as well as what you can afford to repay. New repayment terms will be instituted in the event that your application is approved. The pre-existing terms will remain in place if your application is unsuccessful.

The Monzi experience

Unsure about whether Monzi is for you or what to expect when you use our lender-finding service? There are a few key benefits we think you’ll get from using our services.

  • Swift response:If you submit an application during business hours, our automated system could potentially find a lender for you in under 60 minutes.
  • Online only: Finding fast approval loans online has never been easier. From beginning to end, your journey to securing finance is 100% online. There are no meetings or appointments required.
  • Excellent customer service: We are committed to ensuring you have the best experience possible. We’re more than happy to answer any questions you might have. We can be contacted at and we endeavour to reply to all emails promptly.
  • Great lenders. Every credit provider within our network is reputable and fully-licensed by ASIC.

Responsible lending

At Monzi, we are committed to doing what’s best for you. As such, you can trust that any lender you may be matched with will be licenced, reputable and transparent. When you reach a lending agreement, all terms, details and fees will be clearly outlined for you in your contract meaning nothing is ever hidden.

Before extending credit, all lenders will take steps to ensure that any loan you are offered is suitable for your needs. The last thing they want is for you to default on your loan or find yourself in financial trouble.

One thing to keep in mind is that cash loans no credit check fast approval Australia are not intended to cover your day-to-day expenses. They provide you with an option, should you need to cover a major expense that can’t wait.

Should you find yourself struggling with debt, ensure you seek help. The National Debt Helpline can offer you free advice online or over the phone on 1800 007 007. They can help you tackle your debt problems and help you get back on track.

Let’s go

If you like what you hear and you need cash loans, start applying with Monzi 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 (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.