I Need Money Today – Apply With Monzi From $300 To $10,000

When your budget is stretched thin, you may find yourself searching ‘I need money.’ In these situations, Monzi may be able to help. Apply with our lender-finder service and you may be matched with a lender in just 60 minutes. Cash loans from $300 to $10,000. Easy applications. No paperwork. Apply now.

I need money, could a personal loan help?

So, you need money. Maybe your car has broken down, or you need to replace your fridge. Whatever your reason, financial stress is one of those things we all encounter from time to time. Unfortunately, though, that doesn’t make it any easier to deal with.

In these situations, one option for you may be to apply for a personal loan. In short, you may borrow amounts from $300 to $10,000. If approved, you may have the cash in your account before you know it. From there, your costs will be divided into a series of even repayments over terms ranging from 12 to 24 months. As a result, a personal loan could present one manageable option for you when you need cash today.

That said, personal loans come with fees and interest. In other words, you will always repay more than you borrow. Given this, while it may help you out of a sticky situation, it will come at a cost.

Introducing Monzi

Hi, thanks for checking out Monzi! We’re a lender-finder service for Aussies. In other words, if you find yourself in the all too familiar predicament of needing cash to cover a pressing expense, then our service could be for you.

With Monzi, all you need to do is submit a straightforward application. Just a few clicks here and a few taps on your keyboard there, and then Monzi will take over. Once we receive your application, our automated system will attempt to match you with a lender offering cash loans from $300 to $10,000. Best of all, with fast outcomes, you may be matched with a lender before you know it.

So, when you’re in a pinch, Monzi’s easy lender-finder could be there to help. Avoid the hassle and stress you may experience trying to find a lender yourself. Complete one easy application and let Monzi do the rest.

I need money urgently: can I get a same day loan?

So, the deadline has arrived. That bill you’ve been putting off must be paid today and you need money urgently. As a result, you’re hunting same day loans.

At Monzi, we work fast. With this, from completing your application to receiving an outcome could take as little as 60 minutes. If successful, then your lender will be in touch to begin the next stage of the process. Unfortunately, though, Monzi cannot guarantee if you will receive a same day loan. After all, as we are not a lender, we have no control over how long it may take.

In any case, lenders typically will work fast. If you provide all the necessary details, then your application may go off without a hitch. If approved, you might even receive your cash on the day.

Again, though, while same day cash loans may be possible, it’s usually best to account for a waiting period of at least one business day. That way, you have a little wiggle room if delays occur.

I need money now bad credit

Bad credit can be a significant handbrake when you’re trying to apply for loans and other such products. Worst of all, there’s no easy fix. Instead, it takes time. However, if you haven’t got time to wait, then Monzi may know a few lenders willing to offer bad credit loans.

In short, for this to be possible, lenders will look at the bigger picture. Sure, your credit is important, given that it reflects your past as a borrower. However, your current financial situation should be considered too, right?

With this, if you can demonstrate that you are managing your budget well, then lenders may be willing to consider approving your application, despite a poor credit score. However, approval is not certain. Moreover, not all lenders may offer loans for bad credit. As a result, it may depend on the lender you are dealing with.

I need money today but I’m unemployed: are there any options?

Yes, there may be.

However, if you need loans as an unemployed individual, then securing approval will undoubtedly be difficult. After all, lenders want to ensure that you will repay any money you borrow. With this, if you are unemployed, then you may lack sufficient income to cover the repayments.

Given this, to be approved, you must show that you are earning some form of consistent income. While this may not be a wage, it could be Centrelink benefit payments. Moreover, your proposed loan repayments would have to fit comfortably alongside your current day-to-day expenses too.

In any case, if you are unemployed, then it’s unlikely that a cash loan will be suitable for you. Lenders charge fees and interest, meaning the costs can be significant. As a result, you may need to investigate alternatives (e.g. additional Centrelink support) to cover your pressing expense.

I need money but don’t want a long term commitment

No worries.

At Monzi, we may be able to help you find short term loans today. With this, you can apply from just $300 up to $2,000. Best of all, these unsecured loans may come with repayment terms of just 12 months, meaning you can potentially repay your loan before you know it. As a result, this may be an option if you’ve got a bill to pay and time’s running out.

However, if you do need to borrow a little more, then that’s OK too. You may apply for secured loans from $2,100 to $10,000 with Monzi. With this, you may have the option to select a repayment term ranging from 13 to 24 months. Just remember that you must guarantee the loan with one of your assets (e.g. your car).

So, if you find yourself frantically searching “I need money”, then Monzi’s here to help. Apply for short or long-term loans today. With a range of cash amounts on offer, there may be an option to suit your needs.

I want a personal loan but don’t know if my expense is eligible

Let us give you some good news.

When it comes to cash loans, they may be used to cover a plethora of personal expenses. These expenses may be urgent (e.g. emergency vet bills) or could be more practical (e.g. debt consolidation). Whatever it is, Monzi may be able to put you in touch with a lender who can help. All you need to do is provide your exact reason when you apply.

With this, keep in mind that you must be truthful when you apply. If a lender discovers that you were lying about your reason for applying, then your application will be denied. Moreover, this may significantly impact your ability to access credit again in the future.

So, if you need money fast, apply with Monzi. We could be the first step on the road to borrowing the money you need.

Should I apply for a payday loan if I need cash now?

Payday loans may be one option when you need money now. However, it’s worth explaining exactly what these loans refer to.

In short, a payday loan is typically a small cash loan of up to $2,000 that is processed fast. Moreover, these lenders are often accepting of circumstances such as bad credit or low-income. The downside, though, is that these loans may come with brief repayment terms.

Given this, one alternative may be to apply for a personal loan with Monzi. With cash amounts available from $300 to $10,000, and repayment terms ranging from 12 to 24 months, there may be a suitable option for your budget. Best of all, the lenders in our network often work fast so that you may receive the quick cash you need in a hurry.

Apply today.

I need money now: instant loans

At Monzi, we work fast. Apply during business hours and you may receive an outcome in just 60 minutes. From there, if you are matched with a lender, then they will contact you to conduct an assessment. If everything goes perfectly, you may receive an outcome fast.

Unfortunately, though, instant loans won’t be possible, at least in a literal sense. Instead, instant loans refer to credit products where you receive an outcome so fast that it feels like no time has passed. This is because there will always be some processing time. Lenders must assess your application to ensure you are suitable for credit. This will take time and means that you won’t receive your cash as soon as you hit submit.

In any case, if you need instant cash loans online, then apply with Monzi and we could put you in touch with a lender ASAP. Just keep in mind that you will experience some waiting time. Moreover, we cannot guarantee if your application will be approved.

Am I eligible to apply with Monzi?

At Monzi, we’re here to help Aussies. However, we are unable to help everyone. That’s because we have a number of eligibility criteria that you must meet. So, before you apply, ensure you check the following boxes:

  • Australian citizen or permanent resident.
  • At least 18 years old.
  • Possess an active email address and mobile phone number.
  • Can provide the details of an online bank account, where your income is deposited, with at least three months of history.

Note that if you do not meet Monzi’s eligibility criteria, your application may not progress.

How do I apply for fast money loans?

Monzi’s made applying easy. After all, if you need a fast money loan today, you haven’t got time to waste. So, when you’re ready to apply, just follow these easy steps:

Step one: apply

Firstly, you must use Monzi’s loan slider to select your loan amount and repayment term. From there, you will be directed to complete Monzi’s online application form. Provide the necessary personal and financial details, then hit “Submit.”

Step two: search

Once your application is completed and submitted, we’ll take over. With this, our automated system will attempt to match you with an available lender from our extensive network. If you apply during business hours, then we could potentially match you with a lender in just 60 minutes.

Step three: outcome

We’ll contact you via text or email with an outcome. If we successfully find an available lender willing to assess your application, then they will reach out to guide you through the next stage of the process. That said, keep in mind that we cannot guarantee if you will be approved. Credit providers must lend responsibly, meaning there is always a chance that your application may be unsuccessful.

Man on phone searching I need money fast

Why do I need to provide my bank details?

As we’ve already touched, lenders are required to conduct an assessment on all applications they receive. As a result, if you apply with Monzi, you must provide a handful of details relating to both your personal and financial circumstances. Based on this, lenders will determine if they may offer you the quick loans that you need.

With this, one key piece of information will be your online banking details. At Monzi, we will use this information to access read-only copies of your bank statements that lenders will assess to get an idea of your current spending habits and budget. In other words, are you earning sufficient income to cover your current expenses plus any potential loan repayments?

In addition to this, you may also need to provide the following:

  • Personal and identifying details (e.g. Driver’s licence, date of birth, address, etc.)
  • MyGov details
  • Employment information
  • An estimate of your current expenses
  • Your reason for applying
  • The amount you wish to borrow.
  • Any other information that may be relevant.

Note that if you fail to provide any of the necessary information, then your application may be delayed or denied.

How can I get money fast without a loan?

When your budget is stretched thin, you may be looking for options. While instant cash loans may undoubtedly be one, there’s no need to rush in. If you’re looking for an alternative to borrowing, then you may have some options.

Firstly, you could sell your old stuff. With this, we all have a bunch of items lying around that we no longer use. Maybe you have an extra couch or a TV you no longer use. In any case, log onto Gumtree or Facebook Marketplace and you may be able to flip them for a bit of extra cash to help you manage your current predicament.

Next, you could consider finding a little extra work. For instance, apps like Airtasker allow you to connect with people in your local area, offering jobs in return for cash. As a guide, tasks can range from something simple like ironing through to more skilled labour. So, if you’ve got some skills or don’t mind getting your hands dirty, this could be the way to go.

Ultimately, these are just two possible examples. Do your research to see if there are any other ways that you could make a little bit of extra cash. After all, whenever possible, it’s usually best to avoid debt.

Could I apply for a pay advance as an alternative?

Yes, potentially.

In Australia, pay advances have become a new personal finance trend. In short, through pay on demand apps, you might be able to borrow a portion of your next pay cheque when you need it. That way, you can cover an expense without needing a standard cash loan. Just remember that a pay advance is still a form of loan. You must repay what you borrow with a fee on your next pay day.

Do your research to determine if this might be an option for you. Alternatively, you can always try and get a personal loan from $300 to $10,000 with Monzi.

How much money do I need to buy a house?

In Australia, house prices may range from just a few hundred thousand dollars to well into the millions. That said, keep in mind that if you are looking to purchase a home, then you don’t have to pay the full price upfront. Instead, variable rate home loans may make it possible for you to purchase your first home.

With this, lenders typically require you to pay 20% of the property value as a deposit. This means that you have a loan to value ratio of 80%. That said, there may be low deposit home loan options offered by some lender. Although, you may have to pay certain additional costs (e.g. Lenders Mortgage Insurance).

In any case, at Monzi, we don’t work with lenders offering home loans. Do your research to discover your options. Moreover, keep in mind that purchasing a home won’t be possible for everyone, given the considerable costs involved.

I need money now in an emergency: can I apply at any time?

You sure can.

Monzi knows that cash emergencies can strike at any time. As a result, you can apply for emergency loans on any day, at any time. In other words, our website is active 24/7, so that you can apply at the time that suits you. Whether that’s on the weekend or late at night, it doesn’t matter to Monzi.

However, remember that applications received outside normal hours may experience delays. After all, lenders are unable to process applications 24/7. As a result, while you may apply for emergency cash loans 24/7 Australia, you may need to wait until the following business day to receive an outcome.

I need money now Australia: where can I apply from?


Yes, that’s right. No matter where you are in Australia, if you meet our eligibility criteria, then you’re welcome to apply. It doesn’t matter if you’re up in tropical Cairns or down south in tranquil Hobart. You could even be out west in Perth. We’re here to help Aussies from every corner of the map.

This is possible because Monzi is 100% online. In other words, you won’t need to visit a branch or store location. As long as you can connect to the internet, you may be able to access cash on your mobile with Monzi today. Apply now.

I need money fast online: who is the best lender?

At Monzi, we work with a network of licenced and trusted lenders who abide by their responsible lending obligations. As a result, it’s almost impossible for us to say which one may be the best.

Ultimately, it’s up to you to decide. With this, note that the best lender for you may not be the best lender for another person. For instance, you may be looking at a small unsecured personal loan. On the other hand, another person may need a large loan. Given this, do your research and consider what you value to determine which lender may be best for you.

In any case, if you need to find a lender offering cash loans today, then Monzi can make it happen. While we cannot always promise if you will be matched with the best lender, we’ll do our best to match you with an available credit provider in quick time. Apply now.

Can I get cash for my rental bond?

Moving house? Paying your rental bond can often be difficult to manage. After all, as it’s worth approximately four weeks rent, you may not have the necessary cash-on-hand to cover it.

In these situations, you may apply for a rental bond loan with Monzi. With cash loans from $300 to $10,000, there may be a suitable option for you. Not only that, but Monzi’s operates Australia-wide. So, whether you need rental bond loans in Victoria or bond loans QLD, you’re welcome to apply.

Finally, though, keep in mind that lenders charge fees and interest on money that you borrow. As a result, these loans may be expensive. Given this, it may be wise to investigate alternatives (e.g. government assistance).

What about to pay for car repairs?

Of course.

Instant car repair loans may be available through Monzi’s network of lenders from $300 to $10,000. So, whether you’ve been in a smash and need some panel beating or your car could use a new set of tyres, Monzi may be able to help you access the cash you need.

With this, just submit one easy application through our website and outline your reason for applying. From there, we’ll take over and will scan our extensive network in an attempt to find an available lender who may be able to help you. If everything goes to plan, then you may be back on the road before you know it.

Should I apply for a loan when I’m in a bind?

Unfortunately, Monzi cannot answer this question. That’s because it’s up to you. With this, you must consider your personal and financial circumstances as well as the associated costs to determine if a fast loan may be the right option for you.

As a guide, ensure you ask the following questions:

  • How much do I earn?
  • What are my current, on-going expenses?
  • How much do I need to borrow?
  • Do I have any other outstanding debts?
  • Are there any alternatives to borrowing?
  • Could I cut any of my current costs to reduce my loan amount?
  • Do I have an asset I could use as security?
  • What repayment amount could I afford?

Finally, keep in mind that you should not apply for a loan without giving it proper thought. While an emergency cash loan may help you get out of a financial pickle, a loan is a significant financial commitment that you may need to repay over a period of up to 24 months.

How do I compare loans?

Looking to find the best loan for you? It often pays to compare your loan options. That way, you may be able to find the most suitable terms or lowest cost. As a guide, key factors you may need to compare include:

  • The costs: lenders apply fees and interest on all loans. Where possible, always aim to minimise your potential costs.
  • The terms: how long will you have to repay your loan? Would the repayments fit comfortably with your budget?
  • Secured or unsecured: with a secured loan, you must provide an asset to guarantee the loan. With an unsecured loan, there is no such obligation. As a result, ensure you know which loan you will be applying for.
  • The lender: user reviews can be a helpful resource to get an idea of how each lender has treated their borrowers in the past.

For further details, visit Moneysmart’s guide to personal loans. There you may find plenty of information to help you decide if an online loan is right for you.

My application was unsuccessful: why?

Unfortunately, Monzi cannot say.

As we’ve mentioned, lenders will conduct an assessment to ensure that a cash loan is suitable for your needs, means and objectives. Given this, if your application was denied, then it is likely that you did not meet one or more of your lender’s necessary criteria. This could relate to your credit history, income or a range of other factors.

With this, for a clear answer, contact your lender. They may be able to outline exactly where your application fell down. As Monzi is not a lender, we do not conduct assessments. As a result, we cannot answer your questions.

Finally, note that an unsuccessful application won’t mean that you cannot apply with Monzi again. Instead, if you take some time and improve your financial situation, then you’re more than welcome to apply again in the future. From there, we’ll do our best to match you with a lender from our network.

Who do I talk to if I cannot afford my repayments?

If you can’t afford your next repayment, then contact your lender ASAP. Late or missed repayments will result in you being charged a fee. Moreover, this may be listed on your credit report. However, with enough warning, your lender may work with you to develop a plan to manage the situation. That said, this may only be possible if you are proactive and reach out early.

In addition to this, if you suffer a major change in circumstances (e.g. lose your job) that leaves you unable to afford your current repayment amount, then you may need to apply for financial hardship. Contact your lender and they should be able to guide you through the process. Note that you may need to provide supporting evidence (e.g. medical certificates) as part of your application.

Does my credit score matter?

Yes, to an extent.

Your credit score is a numerical representation of your creditworthiness. In other words, how reliable are you? Or, based on your past borrowing behaviours, how likely is it that you will repay the money you borrow?

Obviously, this is often a key indicator for lenders when they assess your application. However, as we’ve mentioned, lenders will look at more than just your credit score. So, while it may play a role, your current financial situation may be just as impactful too.

In any case, having a good credit score is usually preferred. If you have made a few mistakes and are looking to repair your credit, then a few strategies to help you begin the process may include:

  • Pay off your current outstanding debts.
  • Apply for credit only when you need it.
  • Find the best personal loan, credit card or offer before applying.
  • Make your repayments on-time.
  • Monitor your credit report to ensure there are no errors.

Contact us

We understand that cash emergencies can be stressful. That’s why Monzi’s always there to lend a hand. So, if you have any questions about Monzi or what we can do for you, we’re always happy to hear from you.

Send your questions through to hello@monzi.com.au and we’ll get back to you with a polite and helpful response when we can. Just remember that we are only able to answer questions regarding our service. As a result, you must contact a lender directly for questions regarding loans that you have taken out or products you may be offered.

Apply today

When you need fast cash, Monzi may be there to help you. Apply today from $300 to $10,000 and we may be able to match you with an Aussie lender before you know it. WIth easy applications and fast outcomes, Monzi could help eliminate the hassle often associated with trying to find a lender online.

Ready to begin? Hit “Apply Now” or scroll up to Monzi’s loan slider. Our website is active 24/7, meaning we’re always waiting to hear from you. Apply today.

Don’t need a loan but want to stay up-to-date with all the latest from Monzi? Follow us on Facebook, Instagram, Twitter and Pinterest. We’re always happy to make new friends. Give us a Like or Follow now.

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.