Instant Cash Loans Up To $10,000? Find Out More With Monzi

Instant cash loans are what everybody’s looking for, aren’t they? After all, when you want a loan, you want it to happen fast. Therefore, from application to transferral, borrowers want lenders that make things happen ASAP. Finding these lenders, however, can be difficult. Well, until you meet Monzi.

What are instant cash loans?

Instant loans are a type of personal loan that can be approved within minutes of applying. These loans may, additionally, be accessed within hours of being approved. These are popular with borrowers as they can often provide a convenient and easy way to access cash.

Monzi is a lender finder that may be able to match you with a lender offering cash loans. Additionally, Monzi’s trusted network of lenders can offer loans of $300 to $10,000.

How do they work?

Generally, they are loans that can be approved and accessed very quickly. Depending on the lender, this could be a few minutes, or up to an hour after applying – this will be dependent on when the application is made and the lender themselves. Once you’ve approved your loan contract, your lender should, generally, begin transferring your funds.

Access to funds is, however, dependent on inter-bank transfer times.

Monzi Australia

We’re Monzi, a lender-finder here to make your life a little easier. How can we do this? Well, within minutes of applying, we’ll try and pair you with a lender who may be able to offer quick loans of up to $10,000. This is, however, dependent on you applying within normal business hours.

Put simply, we’re your new best friend when it comes to finding fast finance online.

Benefits of instant cash loans and Monzi

There are a number of reasons why so many borrowers find cash loans with Monzi. Don’t, however, just take our word for it. Below are just a few of the reasons why so many people love Monzi’s lender-finder service.

$300 to $10,000: Monzi is able to find lenders that offer instant loans of $300 to a handy $10,000. In short, having such a wide scope of loan amounts affords the borrower a lot of options. In addition, we work with lenders that may offer both secured and unsecured personal loans.

Instant personal loans: Monzi’s lender partners often offer instant personal loans. In other words, you can use these loans as cash, and they can cover most personal expenses.

Easy repayments: Generally, a direct debit will be set up from your nominated bank account. From there, your repayments will come out automatically on an agreed upon cycle. Finally, once your repayments are finished, the direct debits will automatically cease.

Easy access: The lender Monzi pairs you with may be able to approve your application within minutes. From there, you may be able to access your cash within one business day.

Reputable lenders: Monzi will never pair you with a dodgy lender. You can, in short, rest assured any lender we match you with will take their responsible lending obligations seriously.

Why are instant cash loans growing in popularity?

These loans online are becoming an increasingly popular option for consumers. After all, when you break down their key features, it’s not hard to see why.

  • Borrowers can easily apply for these loans online in just a few minutes. All you need, therefore, is access to a smartphone or tablet.
  • Depending on the lender, you could receive your funds the same day or at the next business day.
  • These loans may have more open eligibility criteria than traditional lenders. So, whether you have bad credit, or are receiving Centrelink, you may still be approved.
  • Borrows can search for different loan products and alternatives to traditional lenders.

I’m looking for 24/7 instant cash loans for bad credit

If you’re looking online for instant cash loans 24/7, we have some good news and bad news for you.

The good news is Monzi works with lenders who offer bad credit loans. In other words, a few financial mistakes in the past may not get in between you and being approved.

The bad news, however, is you may not be able to find a 24/7 loan instantly if you’ve got bad credit. This is because most banks do not process transfers over the weekend. In other words, the lender may be unable to transfer your funds until the banks are open again.

Additionally, most lenders will have their own regular business hours. After all, they will generally have an assessment team who manually assess applications.

I’m looking for instant approval loans need cash today!

Have you found yourself in a bit of a tight spot? If so, you may need cash in your account today! If this is the case, you should consider using Monzi’s lender-finder service.

Monzi may make your life easier by cutting out the time-consuming process of applying with multiple lenders. Instead, apply once with Monzi, and we could potentially pair you with a lender within minutes.

Obviously, however, access to funds will be dependent on both the lender and your individual circumstances.

Instant cash loans on Centrelink 24/7 – can you find me a lender?

Yes! Monzi can definitely try to find you a lender offering cash loans for Centrelink customers. After all, receiving government benefits shouldn’t prevent you from finding quality finance online.

In addition to Monzi’s fast service, we also employ some of the latest in safe banking technology. This, in turn, allows us to access a read-only copy of your bank statements which we can provide to potential lenders.

Therefore, a potential lender is able to get a better understanding of you and your relationship with money. If they can see you’re receiving a regular income, and have been responsible with other debts, you may be approved.

I need instant cash loans no credit check unemployed?

Are you looking for instant cash loans for unemployed without a credit assessment? If so, you may be feeling that your options are limited.

One option, though, could be to apply with Monzi instead. While we cannot guarantee if a credit check will happen or not, you may still be offered a loan.

Even if you are unemployed, you may still be considered for approval. This is because Monzi works with lenders that are able to regard regular Centrelink payments as a form of income.

In other words, if your repayments will fit comfortably within your regular Centrelink income, you may be considered for approval.

Can I get an instant cash loan on the weekend?

Weekend cash loans may indeed be offered by some lenders. However, it’s important to understand that applications received outside of standard hours can often encounter delays. As a result, you may need to wait until the next business day to receive your outcome or access your cash.

In any case, at Monzi, we’ve made our website live 24/7. As a result, you can apply at any time, including weekends. From there, we’ll do what we can to match you with an available lender. However, delays often occur given that lenders usually do not process applications outside of standard hours. Moreover, even if you are approved, banks may not process cash transfers during these times.

What are the best instant cash loans Australia?

Monzi cannot say.

After all, the best loan for you may not be the best loan for someone else. For example, you may just need a small cash boost of up to $2,000 to get you by, whereas another borrow may need to cover a significant expense with a $10,000 loan.

In any case, if you’re after an instant cash loan online then Monzi can potentially help make it happen. Apply with us today and we’ll do our best to pair you with an available lender from our network within 60 minutes. From there, they will assess your application to determine if you should be offered a loan.

How can I get a loan in one day?

It is definitely possible to receive your loan the same day you apply for it. However, there are certain factors that will affect your access to cash. These include your bank’s transfer policies, as well as when you approve your loan contract.

Depending on the lender we pair you with, you may be able to access your loan the same day.

Can I get an instant cash loan to consolidate my debt?

Yes, one of the more common reasons that Aussies apply with Monzi is debt consolidation.

To make it simple, debt consolidation loans involve borrowing money to pay off your current outstanding debts. As a result, you’re left with one personal loan to repay. The idea is that it can simplify your loan repayments and even save you money. In other words, it can potentially provide you with a clearer path to repaying your debts.

At Monzi, we work with lenders who may offer these loans up to $10,000. However, before you apply, ensure that you have considered the costs and determined whether or not debt consolidation is the right option for your circumstances.

How can I get an instant cash loan?

Monzi makes it easy to apply for an instant cash loan online. Here is how to do it:


Get started by scrolling up to the loan calculator at the top of the page. Next, select the amount you’re thinking of borrowing and the loan terms. From here, you’ll be given a rough idea of how the weekly, fortnightly and monthly repayments may look. Finally, when you click Apply Now, you’ll be taken to our application form.

Note, the terms presented by the loan calculator are just a guide. The actual cost and repayment terms of your loan may vary depending on the lender you’re paired with.

Put your feet up

Once you complete and submit our 100% online form, we’ll take it from there. Depending on when you apply, we could even scan hundreds of different loan products in minutes. We’ll then let you know the outcome of our search via email and text.

Meet your new lender

Finally, if we’re successful, your new lender will be in contact. You will, generally, deal with them directly from this point on.

From here, your lender will conduct an assessment of your application. If you’re approved, your new lender will send over a digital loan contract. Once you approve your contract, your lender will begin transferring your funds. Usually, you will have access to your loan within one business day.

Keep in mind, however, that access to funds will be dependent on a few variables. For example, your individual lender, as well as your banking circumstances may affect access. Additionally, the time and day when you approve your loan contract is important. In other words, if you approve your loan contract outside of business hours, your funds may not be processed until the next business day.

Instant cash loans reflected in woman's glasses

Is Monzi for me?

Monzi is proud of the fact we’ve helped thousands of Aussies access instant cash loan lenders online. In short, we could be your new best friend in finding fast finance online.

Below are some popular search terms that have lead Aussies to Monzi’s lender-finder service. We have, in addition, included the loan they may have been eventually approved for.

Instant cash loansAmount ($) AUDApproved
Instant cash loans on Centrelink600
24/7 instant cash loans for bad credit1,100
Instant cash loans online 24/75,000
Instant cash loans no credit check6,000

The above table is for demonstrative purposes only. The figures and loan terms presented do not, in any way, reflect the amount you may be approved for nor the terms of your loan.

Do Monzi conduct credit checks?

As a lender-finder, Monzi does not conduct credit checks on your application. However, we cannot guarantee whether or not the lender we pair you with will conduct one.

Although, keep in mind, Monzi works with lenders who take their responsible lending obligations seriously. This means they may be likely to conduct a credit check.

If you do have poor credit, however, you needn’t be disheartened.

How are they able to do this? Well, when you fill out your Monzi application form, you’ll be asked to supply your online banking credentials. We do this so that we can access a read-only copy of your bank statements. Then, we can pass these on to our network of lenders.

If lenders can see you have been receiving a regular income, and have been responsible with your other repayments, you may be considered for approval.

What about instant cash loans for pensioners?

At Monzi, we don’t discriminate. Moreover, we want to help as many Aussies find the lender they’re looking for. Monzi can, therefore, try and match you with a lender, even if you are receiving a pension.

After all, we understand that even if you stop working, the expenses never stop. It can be especially difficult to cover an unexpected expense if you are operating with a limited pension.

So, even if you are receiving Centrelink or are on a pension, get in contact with Monzi today. In short, we’ll try to find you a lender in the time it takes to make a cuppa. If everything goes to plan, it’s possible that a lender may offer you instant cash loans on Centrelink benefits.

Is it possible to find instant cash loans online 24/7 Australia?

You can absolutely apply to use Monzi’s lender-finder service at any time. The best part of being a 100% online service is that you can apply wherever and whenever you want.

Having said this, while you whenever, you may not receive a response until the next business day. This is because most lenders will have their own normal business hours.

Therefore, if you apply outside of normal business hours, you may not get an outcome until the next business day.

Instant cash loans no credit checks no paperwork

Looking for a quick and convenient application process that makes your life easy?

Well, it’s time to stop looking.

When you apply with Monzi, there’s no paperwork involved. All you need to do is following a few easy steps and before you know it, you’ll have your application completed. From there, we’ll do what we can to pair you with an available lender from our network.

So, when you need a cash injection to cover a pressing expense, turn to Monzi. We’re ready and waiting to accept your application now.

$50 loan instant Australia: can Monzi help?

Unfortunately, no.

If you’re looking for a loan of $50 then Monzi cannot help you. We work with lenders who offer loans online from $300 to $10,000. As a result, you must do your research to find a lender who may be able to offer these credit products.

Alternatively, if you’re looking to make a quick $50 without needing a loan, then your options could include:

  • Selling your old stuff (e.g. furniture, clothes, etc.)
  • Complete paid surveys online.
  • Pick up odd jobs on apps such as Airtasker.

Instant approval vs guaranteed approval: what’s the difference?

While they may seem similar, it’s crucial to understand the difference between instant approval and guaranteed approval.

On the one hand, loans with instant approval refer to situations where your lender works to assess your application ASAP so that you receive an outcome before you know it. However, there will always be some processing time involved as lenders take the time to analyse your financial situation and suitability for credit. In addition to this, there is still a chance that your application may not be approved.

On the other hand, guaranteed approval loans are just as the name describes. Your application will be approved no matter what regardless of your financial situation. However, due to Australia’s lending regulation, these loans must not be offered as they directly violate responsible lending practices.

As a result, if you do come across a lender offering these products, you should avoid them at all costs. While guaranteed approval may seem like a handy option, loan assessments exist to protect you to ensure that you don’t end up with a loan that you cannot afford.

So, apply for an instant approval cash loan through Monzi’s lender-finder service instead.

How can I get a $20,000 instant cash loan?

At Monzi, we work with Australian credit providers who offer quick cash loans from $300 to $10,000. As a result, we will be unable to help you find a $20,000 loan.

Having said this, the good news is that there may be many lenders who can provide these loans. While banks have typically been the primary source of these large cash loans, there may be a range of online lenders who can help you too. So, consider your options to determine which one might be right for you.

Alternatively, if you decide that a $10,000 loan will be sufficient then apply with Monzi. We’ll do what we can to pair you with a lender ASAP who can potentially offer the cash loans you need today. Just use our loan slider at the top of the page to get started.

What are the repayments on a $10,000 instant cash loan?

In short, we cannot say.

If you are approved for a $10,000 loan then your lender will calculate your repayments based on your repayment term, interest rate and any other additional fees. As a result, amounts can vary significantly.

With this, it’s often a great idea to use an online repayment calculator. These handy resources can be found for free online and require you to enter the key details of your preferred loan (e.g. amount, term, rate, etc.). From there, it will provide you with estimates of what your repayments and total costs may be.

Having said this, keep in mind that any figures you receive are only estimates. Use them as a guide to see how a loan could potentially fit with your budget. However, note that your actual repayments may vary if you are offered a loan.

Instant cash loans Perth no credit check: can Monzi help?

Of course.

Monzi is here to help Aussies everywhere. Even those living way out west. As a result, if you’re a Perth resident and need a cash loan without delay, then Monzi may be able to help.

Apply today and we may match you with an available lender in just 60 minutes. Best of all, Monzi’s application process is as easy as can be. You can potentially complete it in just a few minutes.

Finally, note that Monzi cannot guarantee if you will be offered a loan with no check. This will simply be determined by your lender’s individual assessment policy.

What is a fast cash loan?

Fast cash loans are, essentially, the same as instant loans. In other words, a fast cash loan can be applied for and accessed from your account directly and quickly. Typically, fast cash loans can be applied for in minutes, and you may have an outcome within an hour. Fast cash loans can, therefore, be beneficial if you’re covering an unexpected expense.

Monzi is lender-finder who can provide a speedy service along with access to lenders offering fast cash loans.

Where do I go to borrow money fast?

If you’re looking to borrow money fast, there are a few places you shouldn’t go.

For example, traditional lenders like banks may take days if not weeks to process your application. In addition to this, the eligibility criteria are often quite stringent. So, if you have a bad credit history, it may prove difficult being approved.

Monzi, on the other hand, may be able to pair you with a lender in no time. Monzi, in particular, works with Australian credit providers who may be able to offer a fast loan for individuals with bad credit.

So, instead of wasting time applying at different lenders, consider coming straight to Monzi. In short, we’ll try and pair you with a lender within minutes of applying (if you apply during normal business hours).

How do I select the right repayment term?

If you apply online for a loan over $2,000 then you will have a choice of terms ranging from 13 to 24 months. If you select a shorter term, then your regular repayment amount will be larger. On the other hand, if you select a long term, then your repayment amount will be smaller.

Given this, it’s up to you to determine the right balance for your circumstances. As a guide, aim to repay your loan efficiently while still ensuring that your repayments are affordable. A repayment term that is too short may leave you unable to afford your current living expenses, while a term that is too long may be unnecessary.

So, determine the repayment amount that would fit comfortably with your budget before you apply.

What credit score do you need for an instant cash loan?

There really is no single answer.

While some lenders may require your credit score to be above a certain level, this alone is enough to ensure that your application is approved. In other words, lenders look at your financial situation as a whole to determine your suitability for credit.

As a result, we cannot say what credit score you may need to get a loan. As a guide, though, the higher, the better. However, if your credit score isn’t the best, then you must at least ensure that you are earning a consistent income and your budget is under control. Again though, approval is not certain.

How do I compare instant cash loans?

When it comes to finding a suitable loan for your circumstances, it’s often a good idea to compare personal loan products. Not only can you potentially find terms that suit you, but it could also be possible to save money on interest or fees too.

As a guide, key factors to compare include:

  • Comparison rate: this figure combines your interest rate and fees into a single percentage that represents your total loan costs. In most cases, a lower comparison rate is usually better.
  • The terms: not all lenders will offer the same products. While some may offer loans up to $10,000, others may specialise in small loans. So, ensure that the lender can offer terms and loans that fit your needs.
  • The lender: compare lenders based on their online user reviews. That way, you can get an idea of how they have treated their borrowers in the past.

Are online cash loans safe?


If you apply with a licenced lender that has a proven track record of treating their borrowers fairly then there is no reason to be concerned for your security. One way to ensure this is to apply with Monzi.

Through our lender-finder service, we’ll only ever match you with licenced and trusted credit providers. In addition to this, cyber-security experts McAfee and Comodo protect our system meaning that all your information is safe with us.

Am I eligible to apply with Monzi?

Think Monzi’s lender-finder service is the right choice for you?

That’s great. However, before you apply, you must ensure that you are eligible. Don’t worry. There are just a few simple boxes that you must check. See below for details:

  • Australian citizen or permanent resident.
  • 18 years of age or older.
  • Have a current contact number and active email address.
  • Hold an online bank account with at least three months of the transaction history.

Once you’re satisfied that you meet all the criteria, you’re ready to move onto applying. Just scroll up and use Monzi’s loan slider to begin your application today.

What details will I need to provide when I apply?

When you apply with Monzi, you’ll notice that there are a range of financial and personal details that you must provide. In short, lenders require this information to assess your application to determine if you should be offered a quick money loan. Failure to provide any of the necessary details may result in your application experiencing delays or being denied.

Given this, before you apply, ensure that you can provide the following:

  • Personal information (e.g. name, date of birth, etc.).
  • Online banking details.
  • Centrelink benefit payment information.
  • An estimate of your current expenses.
  • Your reason for applying.
  • The amount you need to borrow and your ideal repayment term (where applicable).
  • Any other information that may be relevant.

What should I think about before applying for instant cash loans?

There’s no doubt that a quick cash option can be a handy option. You can borrow the cash you need today and can divide your costs evenly over a long period. However, they are not the perfect solution.

Given this, before you apply, there are several things that you must consider. Most importantly, you must determine whether or not you will be able to make your repayments based on your current budget.

As a result, it’s usually a good idea to ask yourself the following questions before getting started:

  • What’s my current income?
  • What are my current necessary expenses (e.g. food, rent, etc.)?
  • How much do I have in my savings?
  • What repayments would fit my budget?
  • How much do I need to borrow?
  • Could I reduce my current costs to lower my loan amount?

Personal loans Australia

You can use your personal loan to cover a wide variety of personal expenses. In other words, Monzi lender-finder service may help you find a lender offering loans that can cover the cost of car repairs, rental bonds or even holiday costs.

Whether you’re in an emergency, or just need extra cash to treat yourself, Monzi may be able to pair you with a lender.

In addition, you can always be sure Monzi will not pair you with a lender offering cash advance or payday loans. As a result, you may need to look elsewhere if you are after payday loans Australia.

Can I contact Monzi?


At Monzi, we’re always happy to answer any questions that you might have. Just submit a contact form through our website or email us at From there, we’ll do what we can to provide you with a response addressing all your queries and concerns.

Having said this, keep in mind that we can only answer questions about our organisation and service. As a result, contact your lender directly for questions regarding loans that you have agreed to. Monzi cannot speak on behalf of other organisations and we are not made aware of the details of your loan meaning we will be unable to answer your questions.

Ready to apply?

Why not get started with Monzi today? Scroll up to the loan slider to get started. Apply for instant cash loans online now!

Alternatively, check out our FAQs if you have any further questions. Or, visit ASIC’s Moneysmart to learn more about personal loans.

Consumers apply for Monzi’s lender-finder service 100% online.

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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.