Pay Now? Apply For Instant Cash Loans From $300 To $10,000 Here

Can I access my pay now? What if I have a bill to pay now? Whatever the case may be, you could be on the lookout for a way to borrow money. That’s what Monzi’s here to explain. From pay advances to personal loans and everything in between, discover your options today. Apply for fast cash loans from $300 to $10,000 through Monzi’s lender-finder service now.

Can I get my pay now?

Can’t wait until payday? You might be investigating ways to get an advance on the wages you’ve already earnt. Through a new range of apps, this might be more realistic than you think. Is it possible access your pay now on your phone? You’ll have to find out.

Read on as Monzi explores everything that you need to know about accessing your pay now via an advance. From the costs to the pros and cons, we outline it all. Moreover, we’ll touch on personal loans and how they might be an option for you too. Let’s go.

Pay on demand Australia: what does it mean?

Pay on demand Australia refers to a new trend in personal finance. Traditionally, cash loans were the standard way to borrow money. You can apply and, if approved, receive your loan amount upfront and divide the costs into instalments over months or years.

By comparison, through pay on demand apps, you can apply for an advance which could be transferred to your account in minutes. Once your next payday arrives, your advance and a fee is deducted from your account. Generally, you can borrow up to a fixed percentage of your income (25%). As a result, accessing pay now aims to help you bridge the gap if you don’t quite have the necessary cash to get to payday. Moreover, you may avoid the commitment of a loan.

Generally, though, pay advances only cover small amounts, potentially up to $750. If that won’t cut it and you have a major expense to pay now, Monzi knows lenders offering quick cash loans from $300 to $10,000. Apply today.

What’s the best pay on demand app Australia?

While the list is ever-growing, current pay on demand apps operating in Australia include:

  • MyPayNow
  • Beforepay
  • Instapay
  • Earnd
  • ZayZoon
  • PayActiv

Beyond the options listed above, Commonwealth Bank is currently the only traditional financial institution that offers a wage on demand service. Through CommBank AdvancePay, you may apply to access a portion early. As a result, if you’re a Commonwealth Bank customer, this may be one way to cover your shortfall if an unexpected expense appears out of the blue. Read more about access your pay early Australia, here.

Finally, it’s worth noting that accessing pay on demand Australia on Centrelink may not be possible. Your income must come from employment.

What information do I need to provide to get my pay now?

Firstly, you typically must be an Australian citizen or permanent resident. Moreover, you’ll need to be at least 18 years of age and be currently employed. From there, you may need to provide the following details to open an account:

  • Valid ID (e.g. Driver’s Licence)
  • Contact details (e.g. email address and mobile number)
  • Your online bank details
  • Employment information
  • The amount and date of your last pay

From there, the pay advance app will run a quick check to determine if you meet the necessary criteria. If you are earning sufficient income to meet the necessary criteria, then your account should be activated and ready to go in no time.

How do I apply to get pay now?

Via the pay on demand app you are using, you can typically apply for an advance with minimal stress. Just select the amount you need to advance (e.g. $100) and follow any necessary instructions. Assuming you meet the required criteria, your advance will be approved and could be transferred into your account within minutes. From there, you can cover the expense that had you searching for pay now or cash loans.

If you find that a pay advance won’t be sufficient to cover your cash need, you may consider applying for a fast and easy cash loan. In short, these loans may be an option if you must cover a significant one-off expense. Apply for cash loans from $300 to $10,000 with Monzi today.

What are the benefits of applying to receive my pay now?

Firstly, the key selling point of receiving your pay now is that you can avoid the commitment of a short term cash loan. After all, you can apply for an advance, which will be repaid within a week or two. As a result, you don’t have to worry about making on-going repayments over months or years.

In addition to this, pay now apps can help fill a gap not necessarily covered by lenders or buy now pay later services like Afterpay. In short, you may use your advance to address a minor issue. For instance, maybe you need an extra $50 or $100 to cover groceries, an unexpected bill or a portion of your rent.

Finally, pay on demand apps can be quick and easy to use. As a result, there’s minimal hassle and you might receive the cash you need fast.

What are the downsides?

Having access to your pay on demand via an app may create temptation. After all, if you can borrow $100 today, what’s stopping you? Realistically, this is the primary downside. To combat this, it’s important only to apply when necessary. In other words, you must consider your budget and savings before doing so.

Beyond this, pay advances may only be available for up to 25% of your income or $1,000 at a maximum, whichever is smaller. This means that an advance may not be suitable if you’ve got a major expense on your hands. Instead, you may need to apply for a cash loan so that you can pay now. If approved, your lender will divide your loan costs into repayments over months or years instead of a single lump sum repayment.

How do I repay a wage advance Australia?

A wage advance is repaid out of your next wage payment. That way, the commitment is short. You can borrow a little extra cash to bridge the gap using a wage advance. Once your next payday arrives, that amount plus a fee is deducted from your account. As a result, your debt is repaid and there’s no further commitment.

As long as you repay the advance on time and in full, you can apply for another advance whenever you need it. However, if you fail to make the repayment, then your account may be locked until the money is repaid. Moreover, you’ll be unable to apply for another advance while this money is outstanding. You can potentially pay off this amount using a debit card or may reschedule the payment for your next payday.

Finally, keep in mind that while receiving your pay on demand can seem like a straightforward and convenient option, it is still a loan. You are borrowing money that must be repaid with a fee. As a result, you shouldn’t apply without first considering your ability to repay the money and how this advance may affect your budget going forward.

How much of my pay can I get now?

In most cases, wage advance apps allow you to borrow up to a percentage of your next pay, capped at a certain amount. In other words, you won’t be able to borrow the full amount of your next pay. This is because these lenders want to ensure you still have enough cash after your pay advance to cover your regular expenses.

As a guide, most pay advance apps may allow you to borrow up to 25% of your income. They feel that this is a reasonable figure that may not hinder your ability to cover necessities over the coming weeks. As a guide, a minimum and maximum figure will usually be applied too. For instance, you might borrow anywhere from $50 to $750, as long as that falls within the 25%.

That said, policies do vary. It is your responsibility to read the terms and conditions to determine how much you may borrow via a pay advance now. If $750 won’t be enough, an alternative may be to apply for easy loans online from $300 to $10,000. These loans provide cash upfront so you can pay now for the expense that’s got you down. From there, your costs are divided into loan repayments over a fixed term.

What are the costs of getting my pay now?

Each salary advance app will have their own fee structure. As a result, you’ll need to read the terms and conditions before you open an account. That said, in most cases, the costs will fall into one of two categories.

Firstly, some salary advance fees are charged as a percentage of the amount you borrow. As an example, 5% may be the going rate. That means that you’ll have to repay 5% on top of your advance amount. Putting this into an example, that means you’d pay a $5 fee on a $100, but a $20 fee on a $400 advance.

The alternative is a flat fee that these apps apply based on the amount you borrow. For instance, the fee may be $5 on all advances. Alternatively, it could be $5 for advances from $100 to $300 and $10 on any advance larger than this. It simply comes down to the individual organisation’s policies.

Ultimately, you may feel that these fees are minimal and that’s true. However, they can add up over time. As a result, ensure you monitor your spending and only apply for a wage advance when necessary. Moreover, consider how receiving an advance today might impact your budget over the coming weeks.

Receive my pay now vs buy now pay later

You may be weighing up whether a pay now advance or using buy now pay later services is the better option. In short, each will have their own benefits. As a result, you’ll need to consider your needs.

Buy now pay later Australia companies allow you to purchase and receive an item today while dividing your costs into four interest-free fortnightly instalments. As a result, you can spread the costs out. As a guide, purchases may range from new appliances to iPhones, clothes, new shoes and much more.

By comparison, a pay advance could allow you to access cash upfront to purchase such items. However, these advances should only be relied on in necessary situations. In other words, maybe you need urgent cash to pay a bill. Moreover, you must repay any you borrow with a fee. As a result, a pay advance might be more suited to helping you cover a shortfall until your next payday.

Finally, remember that Monzi is unable to offer either option. Instead, we’re a lender-finder service. If you need an online loan to pay a bill now, apply from $300 to $10,000. We could put you in touch with a lender ASAP. Online loans may be an alternative to wage advances or buy now pay later purchases.

I have an urgent expense to pay now: can Monzi help?

From wage advance loans to receiving your pay early, pay on demand apps may be one option to consider if you need to access money fast. However, these are by no means your only choice when it comes to online credit.

If a wage advance won’t cut it and you need a little more, you might decide to apply for a personal loan with Monzi from $300 to $10,000. These loans allow you to borrow money now and repay it in instalments over terms of up to 24 months. As a lender-finder, Monzi can take the hassle out of finding a lender too. Just submit one easy application and we might match you with a lender in just 60 minutes.

Best of all, these loans are 100% online. Moreover, lenders offer secured and unsecured instant loan options. Therefore, they may be an option that’s suitable for you. Just consider the fact that lenders will add fees and interest on top of the money you borrow.

So, do you have emergency car repair costs to pay now? You might consider applying for an instant loan today.

Am I eligible to apply?

The eligibility criteria to apply with Monzi are similar to those applied by pay on demand apps. Ultimately, they’re fairly straightforward. So, before you apply, ensure you check the following boxes:

  • At least 18 years old.
  • Australian citizen or permanent resident.
  • Can provide current contact details (e.g. phone number and email address).
  • Earned a regular income for the past three months, deposited into an online bank account.

Note that simply meeting the above criteria does not mean that your application will be successful. Instead, it means we’ll do our best to match you with a lender from our extensive network.

How do I apply with Monzi when I need to pay now?

So, that utility bill has snuck up on you and now you need to pay now to meet the deadline. In this situation, you may opt to apply for a quick loan online through Monzi. Here’s how you can get started today:

  1. Pick a loan amount and repayment term using the loan slider at the top of the page. Ensure the repayments would be affordable for your budget.
  2. Follow the instructions and provide all the necessary details to complete your online application with Monzi. Then, hit ‘Submit.’
  3. At this point, you can take a breath. We’ll do the work from here and will attempt to match you with an available credit provider from our network. Apply during business hours and it may take just 60 minutes.
  4. Keep your phone nearby. We’ll contact you via text and email with an outcome. If successful, your new lender should reach out within a few hours.

Easy, stress-free and fast. At Monzi, we want to make your life a little easier. Apply for so easy loans now from $300 to $10,000. Just remember that approval is never guaranteed.

Woman using phone to apply to access pay now

Is it possible to get my cash on the same day I apply?

It is!

While it may not happen with every application, if things run smoothly, it’s possible to receive same day loans to pay that expense now. However, for this to be the case, there are some things you may need to do.

Firstly, apply during business hours and, secondly, provide all the details a lender needs to assess your application. If you do these two things, Monzi might match you with an available credit provider in just 60 minutes. From there, they will reach out to conduct an assessment. If everything goes to plan and you are approved, the cash might arrive in your account on the same day you started your application.

Having said this, it’s worth noting that delays can occur at any stage. Ultimately, while one hour loans or cash on the same day might possible, Monzi cannot guarantee if it will happen in every situation. Therefore, it may be wise to account for waiting times of at least one business day.

Can I get a loan to pay an expense now with bad credit?

Some lenders may consider offering loans to bad credit borrowers. So, if you’ve got car registration that you must pay now, bad credit finance might be one option to consider.

In the past, lenders were often reluctant to work with borrowers who have shown themselves to be unreliable. These days, however, there are many lenders prepared to look through your bad credit while considering a range of other factors. In other words, they understand that your credit history doesn’t necessarily reflect who you are today.

If you have a few defaults or missed repayments in your past, this may make things more difficult. However, if you are in a strong financial position today, earning a regular income and managing your expenses, then some lenders may consider offering you bad credit loans from $300 to $10,000. That said, the chance of this may depend on the lender you are dealing with and their assessment policies.

What about if I receive Centrelink benefits?


At Monzi, we aim to assist Australians from a range of different locations, backgrounds and circumstances. The lenders in our network share this philosophy too. In short, some lenders may offer loans for people on Centrelink.

For this to be possible, you must meet the lender’s qualifying criteria. Ultimately, you must demonstrate that you are earning sufficient income to cover both your everyday costs and your loan repayments. Only then will a lender consider approving your application.

Beyond this, lenders may apply certain conditions. For instance, some lenders may specify that benefit payments cannot be your primary source of income. Moreover, not all payment types may be eligible (e.g. Youth Allowance). However, Monzi cannot say with certainty what policies may apply. It will simply depend on the lender you are dealing with.

So, while it is possible to borrow money on benefits, approval is not guaranteed and is at the discretion of the lender you are dealing with.

What are the costs of a loan to pay now?

If you take out a personal loan, lenders will apply fees and interest. In short, this is the cost that you must pay for the right to borrow money now. In other words, it’s unavoidable.

Ultimately, your costs will vary depending on the amount you borrow and the terms applied by your lender (e.g. the interest rate). As a result, Monzi cannot say exactly what your costs might be. To get an idea, you can use Monzi’s loan slider at the top of the page. Drag the bar to your desired amount and you’ll receive estimates of what your weekly, fortnightly or monthly repayment instalments might be. Just keep in mind that your costs may vary.

If a lender offers you a loan, all the costs, fees and charges will be outlined in your loan contract. Therefore, you must read it carefully before you sign anything. That way, you won’t run into any unexpected costs down the line. Moreover, you can determine whether a loan to pay expenses now is affordable for your budget.

Credit cards, pay advances, personal loans: which is the best option?

That’s for you to decide. These days, there are many ways to borrow money to help you manage your budget in times of strain. Each will have pros and cons. As a result, you’ll have to consider what you need to decide which is best for you.

Credit cards

Firstly, credit cards can help you manage on-going cash flow issues. In other words, you can pay for something today on credit. Then, once you receive your next income payment, you can pay off the balance of your credit card. That way, you can avoid the potential interest charges. Best of all, credit cards can be quick and convenient.

Pay advance

Next, a pay advance is ideal for helping you bridge a gap. You can access a portion of your future wages today, then once your next payday arrives, you can repay your advance with a small fee. As a result, you can avoid the significant costs and commitment often associated with a loan. The only thing to be aware of is that you will likely be limited in the amount that you can borrow.

Personal loans

Finally, a personal loan might help you pay now if you’re staring down the barrel of a significant, yet isolated expense (e.g. car repairs). While you might only be able to borrow up to $750 with a pay advance, you can apply for personal loans online from $300 to $10,000. That way, you can cover a wide-range of expenses.

If you decide that a personal loan is the right option for you, apply today with Monzi. We may match you with a lender in just 60 minutes.

Are there any other options to help me pay now?

Yes, there might be.

If you are a low-income earner or receive Centrelink benefit payments, you may be looking for more suitable ways to borrow money. After all, if you must pay now, you don’t want to be locked into making expensive repayments for a long period. Instead, you want an affordable option that better fits your circumstances.

With this, your first option could be to apply for a Centrelink advance payment. Assuming you meet the criteria, you can receive a portion of your benefit payment early. That way, you can borrow the necessary cash to pay a bill or other cost now. This amount is then deducted in instalments from your payments going forward. As a result, you’ll need to consider whether it will have any impact on your budget.

Beyond this, if you must pay now for an expense that would be categorised as a necessity, then you could investigate the No Interest Loan Scheme. In short, this scheme aims to provide safe and affordable access to credit for low-income earners who must cover a necessary expense (e.g. new white goods or medical costs). Do your research to determine if you are eligible.

Pay now: instant cash loans online

You might apply for an instant cash loan when you need money fast. With this, lenders will do their best to provide a rapid outcome, thereby potentially allowing you to receive instant cash in a heartbeat.

While that does sound great, it’s worth noting that instant cash won’t be literally instant. Per lending regulations, lenders must act in a responsible manner. As a part of this, they must take reasonable steps to assess your needs and circumstances to determine if a loan is suitable for your situation. As a result, you’ll always have to sit through some processing time.

In any case, lenders do aim to provide fast outcomes. However, they just need to check a few boxes before that can happen. Instant approval cash loans might be processed so fast that it feels like very little time has passed at all.

Monzi: Australia-wide when you need to pay now

From the outback of Queensland to the cold climates of Tasmania, Monzi’s reach expands far and wide over the great country of Australia. Ultimately, it doesn’t matter which suburb, town, city or state that you are in, we’re potentially here to help. So long as you meet our eligibility criteria, you’re welcome to apply.

Cash loans Australia-wide from $300 to $10,000 might help you cover that expense that’s thrown your budget off-kilter. All you need is a compatible device and an internet connection. From there, you can log onto the Monzi website and apply. From cash on your mobile to applying on your laptop, Monzi is here for all Aussies.

If you’re in a bind and must pay now because the deadline is fast approaching, you can apply 24 hours a day, seven days a week. Outcomes in just 60 minutes may be possible too.

Contact Monzi

So, you need to pay now. Whether it’s car repairs, an unexpected bill or even a last-minute airfare to visit family interstate, you might consider applying for a personal loan. At Monzi, we’re always willing to try and lend a helping hand in these situations.

That said, we understand that borrowing can seem complicated. So, if you have any questions about Monzi or what our service entails, reach out today. Contact us at and we’ll do our best to address your query in a prompt and polite manner. Just remember to check our FAQs first. You might find that your question has already been addressed!

Ultimately, we want you to be comfortable and confident before you apply. Therefore, if anything has left you puzzled or you’d like to know more, we’re always happy to hear from you.

Got an expense that can’t wait? Pay now

Apply for a cash loan in minutes with Monzi. While we cannot offer you credit cards or salary advances, we do work with lenders who offer cash loans from $300 to $10,000. If approved, you get cash upfront to pay for that pressing expense now. Best of all, you can divide your costs over months or maybe even years!

Scroll up to Monzi’s loan slider or simply hit the “Apply Now” button to get started. Our website is active 24 hours a day, so you can begin at whatever time is best for you. Let’s go!

Not yet ready to apply? No stress. You can stay up-to-date with all the latest news and information from Monzi by following us on Facebook, Instagram, Twitter and Pinterest. We’d love to be your friend!

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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.