Fast Loans? Monzi Can Find You A Quick Cash Lender.

Fast loans are loans that can be transferred to your account quickly if a lender has approved the loan application. Access to funds depends on the lender and inter-bank transfer times. In certain situations, these may be useful in covering unexpected expenses and temporary cash shortfalls. Monzi can find lenders who could potentially offer personal loans of up to $10,000.

Fast cash loans Australia

When emergencies strike you can find yourself stuck in the debris. You may struggle to find the funds to pay your monthly bills or to fix your flooded bathroom, or even repair your car. Luckily, however, Monzi’s lender-finder service may be able to help!

We may be able to find lenders that can offer fast cash advance loans for all Aussies who just need a break. If life is bowling you bouncer, after bouncer, let Monzi find you a lender that will go in to bat for you.

Why should I use Monzi?

We are specialists in finding you fast loan lenders when you need it most. At Monzi, we want to provide Aussies with an alternative to traditional lenders, where you don’t have to jump through hoops or wait in lines. Just a simple, online service and an application you can complete in minutes.

We can potentially find credit providers offering loans ranging from $300 to $10,000. We know that when you need cash, you need quick and easy access.

Firstly, you can complete our online application in minutes, then the lenders we find work quickly to assess your application. If you’re eligible to receive a fast loan, the credit provider will get in contact.

What are fast loans?

Fast cash loans are loans designed to put cash in the borrower’s account quickly. These loans may be ideal for an emergency expense or a sudden cash shortfall. Depending on the lender, and inter-bank transfer times, borrowers could expect to access their fast loan within 24 hours of approving the online loan contract. Monzi is a lender-finder that can find lenders offering fast loans of up to $10,000.

Monzi can potentially take the hassle out of finding a fast loan lender. To get started, fill out an online application and we’ll get to work finding you a lender that may offer the quick cash you need today.

After you submit your application, our system may be able to start searching for a lender in just a few minutes. If we successfully match you with a lender, and they can make you an offer, they will be in contact. In other words, potential fast cash lenders are an application away with Monzi.

Where to get fast cash loans?

Most fast cash lenders take loan applications online. Generally, you go to the lender’s website, fill out an application, and if approved, wait for your money. You may need to give these lenders some proof of income, such as bank statements, as well as other pieces of information.

You may notice, however, that there is a myriad of different online lenders available. Navigating through all these options can often seem overwhelming, and frankly, a bit of a hassle. If you don’t have time to spend trawling through different lenders, consider using a lender-finder service, like Monzi.

With one online submission, Monzi will sort through hundreds of licenced lenders, to find an available credit provider who may be able to help. So, forget wasting hours online looking for a lender, and let Monzi take care of the hard work.

What can I use my fast loan for?

Essentially, fast online cash is a personal loan, and there are many uses for a personal loan! Here’s just a few below:

And the list could go on. So, if you’re reeling from a recent unexpected expense, then apply for some fast cash today!

I need a fast small cash loan!

If you’re looking for a small loan of under $2,000, consider using Monzi’s lender-finder service. We work with some personal loan lenders, who may be able to offer you bad credit unsecured personal loans with very fast approval Australia.

As a guide, small loans are usually $2,000 or less and are then repaid over a short term period of 12 months. These loans are unsecured, which means you will not need to attach any assets as security against the loan. Therefore, small fast cash loans may be an ideal option if you do not have a motorbike, car, caravan or boat registered to your name.

Bad credit loans fast approval

Have you made some credit mistakes in the past? That’s okay. At Monzi, we know a handful of lenders who are willing to consider offering bad credit finance. As a result, fast loans may be more accessible than you think.

In short, it’s about a change in philosophy. While in the past, there’s no doubt that lenders were cautious when it came to bad credit, these days they look at the bigger picture. In other words, your credit score is just one piece of the puzzle. Lenders will assess your income and expenses as well to get an idea of your financial situation.

If you’ve worked yourself into a secure financial situation then you may be offered the bad credit loans that you need.

However, remember that not all lenders will be prepared to offer these loans. As a result, approval may depend on the lender you are dealing with.

Cash loans no credit check fast approval

If you’ve got bad credit then an instant loan with no credit check might feel like your only option. However, it’s not.

As a guide, credit checks are one tool that lenders can use to assess your claim and suitability for credit. In short, your credit history reflects your overall trustworthiness as a borrower.

While credit checks will be included in most assessments, some lenders may be prepared to bypass them entirely and instead focus on your income and expenses. As a result, they are often seen as an option for bad credit applicants.

However, when it comes to fast loans no credit check Australia, availability will be limited. Most lenders will always conduct a credit check and it will be non-negotiable. Luckily, if you’ve got bad credit that’s okay. As we’ve already discussed, there are now a number of lenders willing to take on bad credit applicants. In other words, a credit check won’t necessarily be the be-all and end-all of your assessment.

I’m unemployed – can Monzi find me a lender?

Monzi works with lenders who may be able to offer fast cash loans for unemployed Australians. This is because lenders are able to see regular government benefits as a form of income. So, if the repayments on your loan will fit comfortably into your regular benefits, you may be considered for approval. Whether you’re on Centrelink or a pensioner, you should still consider using Monzi’s lender-finder service.

Keep in mind, however, that assessment is conducted by the lender themselves – not by Monzi. Therefore, we cannot make any guarantees of you being approved for, or offered, fast no credit check loans for unemployed.

What about fast loans for Centrelink customers?

At Monzi, we can also find lenders that offer fast cash loans for Centrelink recipients. If you receive Centrelink and are looking for some credit, then you may get knocked back by traditional lenders. Monzi may, on the other hand, be able to match you with an alternative lender option!

We can find lenders that offer loans for people on Centrelink. Specifically, lenders often consider regular Centrelink payments as a form of income. So, if you’re receiving Centrelink, there’s no need to stress, just apply and we’ll do our very best to find you the finance you need.

Can I get fast easy loans through Monzi?

Yes. It’s true that some lenders may offer loans online fast approval with criteria that may not be as strict as other lenders. In other words, these easy lenders will be understanding of a range of different circumstances. Whether it’s bad credit or low-income, finance may be more accessible than you think.

However, in saying this, you will still be required to meet the lender’s eligibility requirements. Just because their criteria aren’t as strict does not mean that approval is certain. Your application will be assessed like any other to determine if you are suitable for fast easy cash loans. Generally, you will need to display the necessary capacity to repay any money that you borrow.

Who is eligible to apply with Monzi?

We’re here to make borrowing easy for all Aussies, no matter your credit score. We do, however, have a few little requirements to meet before you can apply for our lender-finding service.

To apply you must:

  • Be at least 18 years old.
  • Be an permanent Australian resident or Citizen.
  • Have a regular income flowing into a personal account for at least 3 months.
  • Have an active mobile number and email address.

If you can check off the above requirements, then you’re ready to apply with Monzi to find fast loans lenders today. So, what are you waiting for? Apply for cash on your mobile right now.

What to have on hand when you apply

You’re almost ready to apply, but first, just have these details handy before you apply, and you’ll breeze through your application:

  • Personal contact details (e.g. mobile number and email address)
  • The reason for your loan
  • Internet banking details
  • MyGov info (if applicable)
  • Employment info

If you have these details handy, you can complete your online loan application without missing a beat! You can apply from the comfort of your squishiest couch with a cuppa in hand, or while on your way to work. In short, consumers are able to submit an application on our website.

How to get fast loans online

Navigating the world of online lenders can often feel overwhelming. Often, the sheer number of lender options available is enough to leave us scratching our heads. If this sounds like you, then consider using Monzi’s lender-finder service.

With one application, Monzi will sort through hundreds of lender-partners, to find you a licensed lender who may be able to offer you fast loans. Forget sifting through multiple lenders and filling out countless application forms. If you’re looking for fast loans online, let us show you how easy it could be:

Step 1: you apply online

Applying online is simple; begin by scrolling up to the loan slider. Next, select the amount of money you wish to apply for.

Once you have done this, decide on a repayment period, and you’ll see an estimation of your payments. Keep in mind, all costs are subject to individual lenders.

Finally, you will be required to provide certain information. Once you have completed the submission form, move forward with the application.

Step 2: we get to work

After you submit your application, we’ll get to work finding you a lender that can offer fast cash loans. Monzi’s automated system will take over from this point on. We’ll get in contact if we need any extra info.

Step 3: meet your new lender

If we’re successful, your new lender will assess your application and get in touch if they can make you an offer. Generally, your loan will be processed after you approve your contract. Access to funds will depend on inter-bank transfer times.

Just three straightforward steps and you could potentially have fast cash in your account!

Fast loans being searched for by woman with hands in heart shape

Possible costs

As we are lender-finders, Monzi cannot tell you exactly what the costs will look like on your fast loans. Each lender may differ in terms of fees and charges. For example, certain lenders may vary in what establishment fee they charge. Therefore, to get a clearer idea of what your loan may cost, you will need to get in contact with your lender directly or visit the costs page on their website.

Monzi cannot speak on behalf of separate companies.

Paying off your fast loan

Monzi can find lenders that offer easy instalment loan repayments. Generally, the lender will set up a direct debit from your nominated bank account. Then, upon your nominated payment date, your repayments will automatically be deducted.

Goodbye, paperwork!

Say goodbye to paperwork when you apply with Monzi. We find lenders that use the latest in safe banking technology to access read-only copies of your bank statements which can then be used to assess your expenses. Therefore, there’s no need to start scanning piles of documents into your computer or sitting down for hours to complete a convoluted form. Just an online application you can complete in minutes, no hoops and no paperwork. Apply for instant loans online today!

Will lenders conduct an employment check?

Monzi is only a lender-finder, therefore we do not conduct the assessment of your application. Additionally, we cannot guarantee what kind of assessment lenders will conduct on applications.

We can, however, assure you that lenders are experts in conducting employment checks. If a lender does get in contact with your employer, they will be both professional and discreet. Lenders will never reveal the reason for your loan to your employer.

Does Monzi find fast cash loans no credit check?

As lender-finders, Monzi does not conduct any kind of assessment on your application. We simply gather your information and pass it on to our network of lenders. These lenders will then conduct their own assessment of your application.

As a result, we cannot guarantee whether or not a lender will offer no credit check loans with instant approval.The lenders Monzi finds, may prefer to focus on your current relationship with money, not just your past mistakes. Therefore, even if you have poor credit, you should still consider applying with Monzi.

Will you find payday lenders?

Monzi does not work with payday lenders. Instead, we may be able to pair you with a lender who might offer personal loans instead of payday loans.

Despite this, we work with personal lenders willing to consider bad credit applicants ASAP. However, again, if you would like to find payday loans Australia, then Monzi may be unable to help.

Bad credit? We can find lenders offering fast loans for bad credit

Are you concerned that will be unable to find loans for people with bad credit? Well, before you start searching terms like, cash loans no credit check fast approval, consider using Monzi to find a bad credit lender. Put simply, we work with lenders who understand you are so much more than a credit score. Monzi could find you a lender who may offer cash loans for bad credit of up to $10,000.

Below are some examples of the fast loans bad credit that Monzi’s lender-partners have offered to everyday Australians, just like yourself.

Fast Loans AustraliaLoan amountApproved
Fast Cash LoansAUD ($) 800
Small Loans FastAUD ($) 1,200
Cash Loans FastAUD ($) 2,200
Fast Approval LoansAUD ($) 4,000

Disclaimer: The above amounts are for demonstrative purposes only. They do not, in any way, reflect the terms or the actual amount of the loan you may be approved for.

Can I get a same day loan?

Same day loans are generally processed during normal business hours, on the same day as the loan application. Same day loans are transferred upon approval of the loan contract and, depending on your bank, can be accessed on the same day. Monzi can find lenders who may be able to offer same day loans of up to $10,000. Access to funds can depend on a variety of factors, including inter-bank transfer times.

As Monzi is only a lender-finder, we cannot guarantee when funds will be available. However, we do work with lenders who aim to transfer your funds as soon as they receive a signed loan contract. Keep in mind, transfer of funds only takes place during normal business hours. Therefore, if you approve your loan contract on Saturday, your loan may only be transferred on Monday.

What about an instant loan?

Some lenders offering online loans for bad credit are able to process your loan so quickly, it feels like an instant loan. Monzi may find you a lender within minutes of applying, and depending on the lender and your bank, your cash could be in your account by the end of the day. This is subject, however, to inter-bank transfer times. Monzi might be able to help you find lenders offering personal loans up to $10,000.

Can Monzi find lenders offering weekend loans?

Some online lenders might accept and may approve electronic loan applications outside of normal business hours. In saying this, they may not actually be able to transfer the funds until the next business day.

Monzi is a lender-finder, therefore, cannot guarantee when lenders will process loans. Consider getting in contact with the lender directly, or checking their website, to find out more about their weekend business hours.

What should I consider before applying for fast loans no credit check?

Before you begin, it’s crucial to determine if fast loans are the right choice for your circumstances. While they may provide a quick and easy cash injection, you’ll also be required to repayments for 12 to 24 months.

As a result, you will need to conduct a thorough assessment of your financial situation to determine if borrowing is necessary, how much you need to borrow and what repayments you can afford.

So, as a guide, consider the following:

  • What’s your income?
  • What are your day-to-day expenses?
  • Do you have any outstanding debts or on-going repayments?
  • Can you cut costs anywhere to reduce the amount that you need to borrow?
  • What repayments can you afford comfortably?
  • Are you in a secure financial position?

Fast business loans explained

If you can get quick fast loans for personal uses, it makes sense that you can get them for your business too, right?

In short, fast business loans are simply a credit option available to business owners. You can apply online and receive an outcome fast. From there, you will get the cash you need to fund your operations.

While personal loans are relatively straightforward, business loans come in many forms (e.g. lines of credit, overdrafts). As a result, do your research to determine which option is best for your business.

As a guide, business loans can be used to cover the following expenses:

  • Wages
  • New machinery or inventory
  • Bills and other necessary expenses
  • Day-to-day running costs
  • Business insurance

Fast loans: to secure or to not secure?

At Monzi, we can find lenders that can offer unsecured or secured personal loans. The next question is which to apply for? Of course, only you truly understand your finances and personal situation. Despite this, consumers may want to consider both options before applying.

Unsecured loans – unsecured personal loans are small loans ranging from $300 to $2,000 and are repaid over a short term period of 12 months. Unsecured loans don’t require any security, all you need to do is apply!

Secured loans – secured personal loans are medium to large loans ranging from $2,001 to $10,000 and can be repaid over a period of 13 to 24 months. To apply for a secured loan, it must be secured with equity, such as a car, motorbike, caravan or boat. You provide the details of the security in your online application.

So, if you’re a city dweller avoiding the traffic and taking advantage of public transport, then perhaps an unsecured loan is the fast loan you’re after. If you’re looking for a larger loan, then you can opt for secured and easily attach equity to your application.

How do I make my repayments on fast personal loans?

Making repayments couldn’t be simpler. However, before we get to that, it’s important to note that you will have a few decisions to make.

At Monzi, we work with lenders who potentially offer terms ranging from 12 to 24 months. With this, you’ll need to select the period that works best for you. Try to balance repaying your fast online cash loans efficiently while still ensuring your repayments are affordable.

In addition to this, you’ll have the choice between weekly, fortnightly or monthly repayments. It’s up to you to select which option works best for your circumstances.

Once those two decisions have been made, making repayments is easy. Establish a direct debit from your account and they’ll be automatic. Just remember to have enough money in your account on the relevant dates.

How do I compare fast online loans?

Sure, we all want loans fast. However, often it’s a good idea to slow down. While agreeing to the first loans you are offered is one option, it’s often better to compare loans. Not only can you potentially save yourself money, but it might also be possible to access more favourable terms too.

Not sure what to compare? Read on and Monzi will break down the key considerations when it comes to money loans fast. Let’s go:

Interest rate

The interest rate determines what you must pay on top of the principal amount that you borrowed and is usually expressed as an annual percentage. As a result, lower is better. If you can minimise your interest payments, you can potentially pay off your loan sooner. This is one of the key comparisons that you will need to make between small cash loans fast.

Fees and charges

Fees and charges are the additional costs associated with your loan. They can range from one-off fees to an annual or monthly charge associated with your loan. Lenders will differ in the fees they charge, meaning it’s crucial to compare products. Lower and fewer fees are usually what you want to look out for.

Examples of fees and charges include:

  • Account fees
  • Administration fees
  • Late payment charges
  • Early exit fees

Comparison rate

The comparison rate is the single most effective tool you have at your disposal. In short, it combines your interest rates and fees to represent your total loan cost in an easy-to-understand percentage. As a general rule, the lower your comparison rate, the less you will be required to repay.

However, this may not always be the case. Comparison rates typically only include regular fees. As a result, additional charges such as late payment fees will not be included. This may affect your final loan costs.

How much can you borrow and what terms are on offer?

Some lenders may specialise in small fast loans whereas others may offer loans up to $10,000. Given this, you will need to ensure that the lender you are dealing with can offer the instnat cash loans online that you require. In addition to this, ensure that they have a series of flexible repayment options on offer too. For instance, terms ranging from 13 to 24 months.

Who is the lender?

The final consideration may be the most important. You must always make sure that you are applying with a licenced, trustworthy lender. These lenders will do things by the book and may be understanding of your situation. As a result, you can be sure that you will only be offered a loan that’s suitable for you.

To do this, check their website for their credit licence details. Moreover, read reviews online to get an idea of past customer experiences.

Before applying

Find information about other options before you borrow. The Government Moneysmart website shows, for example, information on how small amount loans work and suggests other options available to you. In addition, Moneysmart shows you how small disparities between lenders can translate into notable differences.

Finally, if you are concerned you are dealing with a disreputable lender, confirm they have a legitimate Australian Credit Licence Number.

Guaranteed fast cash loans

Think that your application is guaranteed to be approved? Think again.

Under Australian lending legislation, all applications are subjected to an assessment. With this, lenders must assess your suitability for credit and only offer loans that are reasonable for your circumstances. As a result, lenders are unable to offer or promote loans with guaranteed approvals no matter what.

If you do come across lenders offering these products then it pays to steer clear. The laws and processes exist to protect you, the borrower, to ensure that you don’t end up with a loan that you cannot afford.

Fast cash loans bad credit: what are the risks?

Fast loans can help you cover an expense today. However, they are not perfect. There are risks involved that you must be aware of before you apply to ensure that you don’t wind up facing trouble down the line.

These potential risks include:

  • Unmanageable repayments: If you borrow more than you can afford, then you may find that your repayments are too large. This may impact your ability to cover your necessary day-to-day expenses.
  • Dodgy lenders: Make sure that you only apply with licenced credit providers. One easy way to ensure this is to apply online with Monzi.
  • Too many applications: credit applications are listed on your credit report and have a negative impact. If you apply too many times in a short period then you may see your credit score drop.
  • Defaults, debt spirals and bankruptcy: in a worst-case scenario, you could find yourself facing several debt-related issues. Not only will they have significant ramifications for your financial situation and credit report, but they will also cause a great deal of stress too.

Can I get fast loans this Christmas?

Yes, Christmas loans could help you turn this holiday season into one to remember. So, whether you’ve got some travel expenses to cover or are looking to do some DIY projects around the house, you may be able to access fast loans that can help.

Apply with Monzi from $300 to $10,000 now. We could have you matched with a lender offering the cash you need today. Let’s go.

I can’t make an upcoming repayment: what do I do?

Things don’t always go to plan. Luckily, Monzi works with lenders that understand this and may be prepared to help.

So, if you find yourself unable to make an upcoming repayment on your fast loan, contact your lender ASAP. With enough warning, your lender may be able to work with you to develop a plan on how to manage the situation. If you fail to do this then any late or missed repayment will incur a fee.

Early contact is crucial too. Be proactive and give your lender plenty of warning. Don’t simply wait until the last minute because, at that point, it may be too late.

Financial hardship and fast loans

Major changes in your financial circumstances can leave you unable to repay your loan. Whether you fall ill, suffer an injury or lose your job, in these moments you can feel helpless.

Luckily, you’re not alone. You’ll simply need to submit a financial hardship with your lender. Lenders are experienced in dealing with these situations and will have hardship departments in place to help out.

In most cases, as part of your application, you’ll need to provide evidence (e.g. medical certificates) as well as an estimate of what you can now afford to repay. From there, your lender will consider your application. If approved, you may need to pay a revised repayment amount that fits your budget.

If your application is unsuccessful then your existing terms will remain in place.

Let’s be friends

We’re sure you’re experiencing information overload by now, so if you have any more questions about our service don’t hesitate to contact us at In addition, consider visiting our FAQ page to see if the answers lie there. While you’re there, why not check out some of our other great guides to refinancing your home loan, 24/7 loans for unemployed and paying your bills.

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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.