Pay My Bill Today – Apply For Cash Loans From $300 To $10,000

How am I going to pay my bill? If you’re dealing with major or unexpected bills, this is probably a question that you’re asking. Well, one option may be a personal loan. With Monzi, you can apply from $300 to $10,000. We could match you with a lender in just 60 minutes. Easy applications. Fast outcomes. Apply today.

Please note, certain ideas and products presented in this article may not be offered by Monzi nor the lenders we work with. This article presents only general information. Consider seeking professional financial, taxation, legal or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

Can I get a loan to pay my bill?

So, you’re in a pinch. A bill you weren’t expecting has just landed in your letterbox and you don’t have the cash to cover it. What are you going to do?

Well, one option could be to apply for a personal loan to cover your unexpected bills. In short, these loans allow you to borrow money today and divide your costs in a series of regular repayments.

However, all personal loans will come with interest and fees. In short, this is the cost of borrowing money now. As a result, over the course of your loan, you will repay more than what you borrow.

In any case, if this sounds like an option that may be suitable for you, apply for fast cash loans from $300 to $10,000 with Monzi. Let’s go.

Pay my bill with Monzi

At Monzi, we’re an Aussie lender-finder service. What does that mean? Well, to put it simply, we match borrowers just like you with a range of Aussie lenders every day.

Ultimately, Monzi’s goal is to make your life a little easier. Rather than scrolling through search results to find a lender, you can just submit one application with us. From there, our automated system scans through our lender-network to try and find an available lender who may be willing to consider your application.

So, if you’re after an instant cash loan to pay your bill, you could turn to Monzi. Apply from $300 to $10,000 now. You may even be able to access same day cash loans and divide the costs over the coming months and years.

Easy, quick and stress-free. That’s what Monzi aims to be.

What bills could I cover with a personal loan?

In many cases, you may spend personal loans like cash. In other words, you could use them to cover a range of stressful expenses that always seem to appear at the worst possible moment. One such expense could be unexpected bills.

To give you an idea, unexpected bills and expenses that you may be able to cover with a personal loan include:

However, this is not a complete list, meaning there may be other bills you can cover too. In any case, if you’re after a personal loan to pay unexpected bills now, you can apply with Monzi from $300 to $10,000. Let’s go.

Can I get a loan to pay my bill with bad credit?

If you’re dealing with unexpected bills and have the added headache of imperfect credit, it might feel like the world is closing in around you. Luckily, at Monzi, we know a few lenders who may offer bad credit loans. How is this possible? Allow us to explain.

If we match you with a lender, then it’s likely that they will cast an eye over your credit. However, that’s not the only aspect of your loan assessment. They’ll also analyse your current financial situation too. In short, lenders want to confirm that you’ve got a solid handle on your budget and have your expenses under control.

If you can demonstrate that you’re currently in a secure financial position, then some lenders may be willing to offer cash fast for bad credit. In other words, your bad credit doesn’t have to be the be-all and end-all. However, approval is not guaranteed and is at your lender’s discretion.

What about with no credit check?

At Monzi, we won’t conduct credit checks. This is because we are lender-finder service. In other words, we’re simply here to help you access quick and easy finance online. However, if you are matched with a lender, then they may conduct a credit check as part of your assessment.

In short, credit checks provide lenders with a clear picture of your creditworthiness. That is, how reliable are you and what’s the likelihood that you will repay the money you borrow? As a result, credit checks are often unavoidable, even if you do just need a small cash loan for a minor bill.

Having said this, no credit check loans may be offered by certain lenders in some situations. However, Monzi cannot guarantee if you will be offered one such loan. It will simply come down to the lender you are dealing with and their assessment policies.

And if I’m on Centrelink?

Some lenders may be able to accept benefit payments as a legitimate source of income. As a result, if Centrelink payments account for a portion of your income, then you may still be offered Centrelink loans that you could use to pay emergency bills.

However, when it comes to loans on Centrelink, lenders may vary in their policies. While some may be willing to consider applicants receiving these payments, others may not. Moreover, different payments types may be viewed differently, too.

In any cases, remember that receiving payments alone will not ensure that your application will be approved. You must demonstrate you’ve got your budget under control and could afford the associated repayments comfortably. If you are unable to do this, then your application will not be approved.

Finally, keep in mind that applying for small loans on Centrelink may not be right for your circumstances. The significant costs involved (e.g. fees and interest) make them an expensive option that could put undue strain on your budget. As a result, you may need to consider alternative options to pay your bills.

I need to pay my bill today

So, your bill’s due date has arrived, but you don’t have enough cash in your account to make the payment. In these situations, you’re stressed. We understand. As a result, you apply for a cash loan hoping to receive your cash on the same day.

While this is a common occurrence, unfortunately, Monzi cannot guarantee if you will receive your money on the day you apply. Although it’s not impossible, there are several steps involved. Moreover, many of them are out of our hands.

In any case, if you apply during business hours, then we may match you with a lender in just 60 minutes. From there, they will contact you to begin the next steps. If everything goes to plan, then same day approval loans may be possible. Moreover, if you are approved, then access to your cash will then be determined by the associated interbank transfer times.

So, while if things go perfectly, same day loans may be possible, it’s usually a good idea to account for a waiting time of at least one business day.

I’m unemployed but my bills are due: can you help?

If you’re unemployed but have bills that must be paid, some lenders may consider offering loans for unemployed individuals. However, it’s important to understand that this will only be possible if you are earning a regular income in some form. Typically, this will be Centrelink benefit payments.

If you do not receive any income, then your application won’t be approved, given that you will likely lack the capacity to make your repayments. In addition to this, remember that even with income, approval is not guaranteed. Lenders retain the right to deny applications if they feel credit would not be suitable for you. As a result, securing approval if you are unemployed may be difficult.

Finally, if you are between jobs, then quick cash loans may not be the most appropriate financial decision. As a result, you may need to consider other options, such as additional government support.

What about if my bills are due on the weekend?

The great thing about being an online business is that we’re able to make sure that our service is available at any time. As a result, it doesn’t matter whether it’s day or night, a weekday or a weekend, you can log onto Monzi’s website and apply. From there, we’ll do our best to match you with a lender who may offer urgent cash loans to help you pay your bills.

Having said this, you must understand that applications received outside of standard business hours may experience delays. Lenders may not operate during these times, meaning you may need to wait until the next business day to receive an outcome. In addition to this, even if you do receive an outcome on your weekend loan application, banks may not process transfers during these times.

Given this, while you may apply for weekend cash with Monzi, it’s important to account for any potential delays.

Should I take out a payday loan to pay my bill?

If you’ve been investigating the ways that you can borrow money to pay your bills, you likely would have come across credit products known as payday loans.

In short, these products are typically small, unsecured cash loans up to $2,000 that allow you to borrow money fast. These loans may come with high costs and short repayment terms. However, they may be processed quickly so that you receive your cash ASAP.

At Monzi, we typically aim to match you with lenders offering personal loans rather than payday loans. In short, lenders may offer personal loans for amounts up to $10,000 with manageable repayment terms that may suit your budget. Best of all, they may still be processed in a hurry, so that you may receive an outcome before you know it.

As a result, if you’re after quick cash now to pay your bills, Monzi could be the place to start. Apply for personal loans from $300 to $10,000 now.

Am I eligible to apply with Monzi?

Ready to apply for a loan to cover your bill? We’d love to hear from you. However, before you begin, ensure you tick the following four boxes to confirm that you are eligible:

  • Australian Citizen or Permanent Resident.
  • At least 18 years of age.
  • Have a mobile number and email address.
  • Have an online bank account with at least three months of history.

Note that if you fail to meet any of the criteria listed above, then your application may not progress. Moreover, even if you do meet these criteria, that does not always guarantee that we will be able to match you with a lender.

How can I apply to pay my bills today?

Once you’ve confirmed your eligibility, the only thing left to do is apply. At Monzi, we’ve made it easy for you. Just follow these quick steps to begin your journey with Monzi now.

  1. Use Monzi’s loan slider to select your loan amount and repayment term (Loans under $2,000 come with fixed, 12-month repayments).
  2. Complete Monzi’s application form and submit it.
  3. Relax while we try to match you with an available lender from our network. Apply during business hours and we may have you matched with a lender in just 60 minutes.
  4. We’ll contact you with an outcome. If we pair you with a lender, then they will take over and get in touch to begin the assessment process.

That’s all there is to it. However, keep in mind that approval is never guaranteed. Lenders will assess your application to determine if you should be offered a loan.

Pay my bills online with debit card

What information will I need to provide?

When you apply with Monzi, you’ll notice that you must provide us with a number of details. In short, this information is necessary for lenders to determine your suitability for credit. In other words, will they consider offering you an online loan?

So, before you apply, make sure that you have access to, or can provide, the following:

  • Personal details (name, date of birthday, ID, etc.)
  • Online banking details
  • The amount you wish to borrow
  • Your reason for borrowing
  • Income details
  • An estimate of your current expenses (e.g. rent)
  • Benefit payment details (if applicable)
  • Any other information that may be relevant.

If you fail to provide any of the details that we have listed above, then your application may be delayed or may not progress.

What happens if I can’t pay my bills?

If you are unable to pay your bills on time, then you likely must pay a late fee. This will also apply to the repayments on a cash loan. As a result, it will only leave you owing more.

Beyond this, what happens if you don’t pay your bill will depend on the type of bill that you’re dealing with. For instance, if you fail to pay your utilities or mobile phone bill, then your service may be disconnected. Moreover, if you leave it for too long, then your account may be referred to a debt collection agency and could even impact your credit score.

However, Monzi cannot say with certainty what will occur should you fail to pay your bills on time. As a result, you may need to contact the relevant agency to determine the possible consequences and costs of late payment.

Will it affect my credit score?

In Australia, only certain credit providers can share your repayment history with credit reporting agencies. In short, this will typically consist of lenders, banks and other similar credit institutions. As a result, if you pay your phone bill or electricity bill late, this will not have an impact on your credit score. You will simply have to pay the late fee.

However, if you default on your bills, then this may be reported by utility companies, phone companies and other similar organisations to the relevant reporting agencies. Although this will only occur if your debt is more than 60 days overdue.

So, while a bill that’s slightly late won’t necessarily result in a hit to your credit score, it’s still important to keep on top of what you owe. After all, late fees can add up and nobody wants to pay more than what they have to.

What’s the easiest way to pay my bill?

While Monzi cannot guarantee if it will be the easiest way for you, direct debits are typically considered to be a low-stress, simple way to pay your bills.

In short, a direct debit is an automated payment that takes out the money needed to pay your regular bill or cover your loan repayments. As a result, you won’t have to lift a finger or remember to make the payment as it’s done for you. You just have to keep sufficient funds in your account on the relevant dates.

However, if you’d prefer a different option, that’s OK too. You may be able to pay your bills directly from your online banking, on your mobile or over the phone. In some cases, you can even pay by mail too. Just remember that with these methods, it’s your responsibility to make your payments by the due date. So, set reminders or write it in your calendar to avoid forgetting.

How do I set up a direct debit to pay my bill?

As we’ve mentioned, direct debits are arguably the easiest way to pay your bills. In addition to this, they’re also simple to set up too.

In short, to establish the direct debit, you’ll just need to provide the relevant organisation (e.g. energy company) with a few key details relating to your bank account or credit card. For a bank account, they’ll typically need your BSB, account number and account name. For a credit card, they may ask for the credit card number, the cardholder’s name, the expiry date and the CVV.

Once you have provided this information, the direct debit can be instituted. As a result, you can make your payments automatically. It may be as easy as that.

How can I handle my bills better?

We understand that staying on top of your finances can be tough. While we’d all love to have plenty of savings to fall back on, in reality, that’s just not always possible. Emergency expenses can appear at any time and leave you short on cash.

In any case, if you’re looking to manage your bills more effectively, then the easiest way is to employ some effective money management habits. As a guide, this may include:

  • Create a budget: understand where your money is going. That way, you can work out where you could cut back to save money. To get you started, Moneysmart offers a great online budget planning tool. Check it out.
  • Shop around for the best deal: avoid paying full price whenever possible. You could even buy generic brands rather than shelling out for the big brands.
  • Track your spending: similar to budgeting, you should know exactly what you are spending your money on. Small purchases may not seem like a big deal, however, they will add up over time.
  • Understand the difference between things you want and need: cut back your spending on wants. It’s more important to have enough money to cover your needs.
  • Access support: depending on your situation, you may be eligible to claim assistance through Centrelink or other services. Contact the relevant agencies or government departments to determine what may be available for you.

Should I set up an emergency fund?


One way to avoid getting caught out when a bill arrives in your letterbox out of the blue could be to set-up an emergency fund. In short, all you need to do is set aside a little money each week or month. That way, when a bill comes due, you’ll always have a little extra cash should you need it.

To establish an emergency fund, a few handy tips include:

  • Open a new bank account: avoid the temptation of spending your emergency cash. Keep it separated from your everyday transactions.
  • Deposit a set amount each week/month: factor your deposit into your weekly budget and stick to it whenever possible.
  • Add to it whenever you can: if you’ve got a little extra money at the end of the week, just add it to your fund. Small deposits can add up over time to give you a handy safety net if things go wrong. Alternatively, you could sell your old, unwanted possessions to kick-start your fund.
  • Don’t touch it: if you’re building an emergency fund, then you should only use it when necessary. In other words, don’t spend it on something you don’t need.

How much will I repay if I get a loan to pay my bills?

Unfortunately, Monzi cannot say. After all, we’re not lenders, meaning we cannot say with certainty what your repayments, interest rate or total loan loan costs may be. This will instead be determined by your lender.

To give you an idea of what your costs may be, you can use Monzi’s loan slider at the top of the page. Select your loan amount and repayment term and you’ll be provided with estimates of what your weekly, fortnightly or monthly repayments may be. However, these figures are non-binding and should only be used as a guide. This will be the same for any other personal loan repayment calculator that you find online.

Finally, remember that all your costs will be clearly outlined in your loan contract. So, just must read it carefully. If you are unhappy with any aspect of your contract, then you are under no obligation to accept it. Simply inform your lender that you no longer wish to proceed with your application.

What other options do I have to pay my bill?

If you’re short on cash and are considering taking out a personal loan to cover your unexpected bills, you must consider your options. While a personal loan may provide you with cash today, there may be significant costs involved. Moreover, you may have to make repayments for up to two years.

So, before applying, consider and investigate some of the following:

  • Payment extensions: are you able to request an extension to give yourself a little bit more time to pay?
  • Are you eligible for any benefit payments or government assistance that could help you access the funds you need?
  • Are you eligible for a cash advance through Centrelink?
  • Could you sign up to a pay on demand app and apply for a small pay advance?
  • Can you apply for any rebates, vouchers or concessions on your utility bills?

However, if you decide to apply for online cash loans today, then Monzi may be able to point you in the right direction. Scroll up and use our loan slider to begin your application now.

What can I do if I’m struggling with bills and debts?

If you are struggling with debt and cannot afford to pay your bills, then taking out a personal loan may not be the right choice for your circumstances. In these situations, though, there may be help available.

Firstly, it may be a good idea to connect with a financial counsellor. These qualified professionals may be able to provide you with helpful and individual advice to help you better manage your money. Call the National Debt Helpline on 1800 007 007 to connect with a counsellor today.

In addition to this, if you are struggling to afford your loan repayments, then you may be able to apply for financial hardship. Contact your lender today and ask for the hardship department. They should be able to run you through the process as well as options that may be available to you.

Finally, if you are struggling to keep track of multiple debts, then you could consider applying for a debt consolidation loan. You can apply with Monzi to consolidate your debt from $300 to $10,000. However, consider your financial situation and the costs to determine if this is an appropriate choice for you.

Monzi: discover the benefits today

At Monzi, we may be able to match you with a lender quick-smart today. You could borrow cash amounts up to $10,000 and spread your costs over the long term to make it more manageable for your budget. While that may sound good, there are other benefits that you might experience if you apply with Monzi. Check them out:

  • It won’t cost you a cent: you can apply for free with Monzi. That’s right. We never ask for anything in return. How great is that?
  • Your data is safe with us: Monzi’s online system is secured by Comodo and McAfee, meaning your information is safe and secure.
  • Apply anywhere, anytime: Monzi is available Australia-wide. Not only that, but we’ve our website live 24/7 too. So, you can apply at the time that suits you best.
  • Transparency: we’ve outlined our process so that you know what will occur at each step along the way.
  • Great lenders: we’ve worked hard to develop a network of licenced Aussie lenders who may be able to offer you fast cash loans today.

Contact Monzi

If you’re after a personal loan to cover some unexpected bills but have questions that you’d like answered, we’re always happy to hear from you. You can connect with us at anytime you want. Once we receive your question, we’ll do what we can to get back to you ASAP. However, we will only monitor this account during business hours.

In addition to this, keep in mind that we can only answer questions about Monzi and our service. As a result, you must contact lenders directly with any questions regarding loans you’ve taken out or products that you may be offered. Monzi cannot speak on behalf of other organisations, meaning we will be unable to help.

Apply with Monzi: pay your bill today

Get a loan today! Apply from $300 to $10,000 with Monzi now. Just use our loan slider at the top of the page or hit “Apply Now” to begin. We’re ready and waiting to hear from you.

Keen to hear more from Monzi. You can follow us on Facebook, Instagram, Twitter and Pinterest to stay up to date. We’d love to have you as a friend.

Or, why not do everything early? Check out our article on access your pay early Australia.

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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.