Quick Cash Loans From $300 To $10,000. Apply Now!

Quick cash loans available from $300 to $10,000. Apply in minutes for both unsecured and secured personal loans.

What is a cash loan?

A cash loan generally refers to loans designed to cover emergency shortfalls. Moreover, these loans can be applied for online quickly and often have quick response times.

In addition, these loans are flexible and can be spent like cash – hence the name. Therefore if you need things like a new set of tires, a replacement dishwasher, or both, these loans may be an option worth considering.

While certain lenders may only offer cash loans up to $2,000, Monzi’s lender-finder service is a little different. In short, we’ve built up a network of potential lenders that may be able to offer cash loans from $300 all the way up to $10,000.

What are quick cash loans Australia?

A quick cash loan is a form of personal loan that can give borrowers access to their loans the same day of signing their contract. Monzi is a lender-finder that aims to match applicants with lenders potentially offering personal loans of up to $10,000. These short term loans have repayment periods between 12 and 24 months.

If an unexpected expense pops up, a quick cash loan might be the helping hand your budget needs. When you need quick money the last thing you want is to spend hours online trawling through different loan products. So, that’s where Monzi comes in.

So, if you need loans that can be spent like cash, or are thinking about payday loans options, consider Monzi. Keep in mind, approval is at the discretion of the individual lender and never guaranteed. Approval is always subject to assessment.

Say g’day to Monzi

Monzi is a revolutionary lender-finding company that specialises in finding Australians the lender they need. We know that time is money, and these days, who has the time to trawl through multiple lenders online? Instead, let Monzi do it for you. Therefore, submit one quick application with us and we’ll try and find a lender who might help you with loans for bad credit.

Gone are the days spent standing in line at the bank waiting for the manager to grace you with their presence. Simply, say goodbye to overly complicated application forms and long waits for outcomes. Instead, say hello to an easy loans application online and a super fast response. In short, we’re all about making lender-finding as easy and stress-free as possible.

How can I get loan money fast?

Need a loan in your account ASAP? Monzi might be able to make it easy. So, here are the 10 steps to getting a cash loan fast:

  1. Head to monzi.com.au.
  2. Enter in your ideal loan amount and loan term in the loan calculator.
  3. Click Apply Now.
  4. Complete and submit the online application form.
  5. Wait just a few minutes.
  6. If approved, your new lender will be in contact.
  7. They’ll assess your application. If you’re approved, they’ll send through a digital loan contract.
  8. Read over your loan contract thoroughly.
  9. If you’re happy with it, sign and send it back.
  10. Wait for the cash to be transferred.
  11. Cash in your account!

Just bear in mind, you are not guaranteed a loans assessment with no credit check. Moreover, if you apply for loans while receiving Centrelink, lenders may have their own criteria.

Where can I borrow money fast?

Have you, in the past, wasted time applying for credit with the following providers? If so, you will have noticed that often they are either the furthest thing from fast personal loan, or, feel like they charge extortionate fees and charges:

  • Banks;
  • Credit unions;
  • Pawn shops;
  • Credit cards.

Using a lender-finder service like Monzi, on the other hand, will really speed up the borrowing process. Therefore, with one application, we’ll do our best to pair you with a reputable lender offering personal of up to $10,000. Additionally, within minutes of applying, you could be on your way to being approved for a quick cash personal loan.

Secured personal loans available up to $10,000.

How do quick cash loans work?

In most cases, the lender and borrower reach an agreement on the loan amount and repayment terms. Therefore, once the borrower has read and signed the loan contract, the lender will transfer the loan. Access to funds, however, will be dependent on inter-bank transfer times. Repayments will, usually, be direct debited from the borrower’s account on an agreed-upon term.

Additionally, they are handy little loans that you can apply for when something comes up, leaving you in need of a bit of spare cash to cover it. They can be fast and convenient cash so that you can stop stressing about cash and get on with life.

Wondering what exactly quick cash loans could cover? Take a look!

And so many more! This is just the tip of the iceberg of what you could spend your cash loans on. So, if you have a reason for needing small loans, we’ll try and find a lender who may help.

What are the benefits of getting a quick cash loan?

Thinking of applying for a quick loan online? These are some of the potential benefits of applying for quick cash online:

  • Fast. While a personal loan from a more traditional lending institution may take a while to process, online cash loans are often very fast and convenient. From start to finish these loans are designed to be quick.
  • Cap. The Government regulates this industry heavily, meaning there are maximum amount caps places on fees and charges.
  • Open. If you have less-than-stellar credit history, traditional lenders may not be willing to extend credit to you. Cash lenders, on the other hand, are often far more flexible and open to taking on poor credit applicants.

Are there any drawbacks to quick cash loans?

Yes, as with any credit product, there is a degree of risk associated with these loans. Therefore, consider the following before you apply.

  • Fees. While fees and charges are capped by the Government, they are still relatively high when compared to other loans. These fees are often to compensate for the additional risk of bad credit applicants, as well as due to their short-term nature.
  • Term. Some lenders may only be able to offer you shorter loan terms – sometimes as little as 16 days. Shorter terms translate to more expensive repayments, this may not be affordable for some consumers. Moreover, failing to repay your loan may result in missed payments and more debt. In short, you may find yourself in a worse financial position than before you applied.

Things to be cautious of

Taking on a loan that is unsuitable for you may leave you in a worse financial position than before you applied. Specifically, an unsuitable loan product can lead to things like missed payments, which can in-turn quickly lead to a poor credit score and further debt.

Therefore, make sure you are aware of the following before you apply:

  • Unnecessary borrowing. With fast processing times and relatively low eligibility criteria, it may be tempting to apply for these loans if you don’t actually need the funds. Moreover, this sense of fast and easy cash at the click of a button may lead to these loans being used to cover unnecessary items. Ultimately, these loans should be for financial emergencies only and consumers should think critically before applying.
  • Too large a loan. Again, it may be tempting to apply for amounts larger than you actually need. Consumers should calculate exactly how much they need before applying
  • Lack of communication. Get in contact with your lender as soon as you can if you know you cannot afford an upcoming repayment. In short, they may be able to cancel or reschedule your repayment if you provide them with enough notice. If you fail to do so, you may be hit with penalty fees that can quickly spiral out of control.

How do I compare quick cash loans?

Just like people, lenders are all different. Moreover, each lender may specialise in a particular type of cash loan, or offer a service that is particularly attractive to certain consumers.

Comparing lenders and loans is relatively straightforward if you know which criteria to consider. Therefore, to give you a better idea, we’ll explore some criteria you may want to consider before applying.

Loan amount

Different lenders may offer varying loan amounts. Moreover, while certain credit providers may only offer small unsecured loans of up to $2,000, others may offer personal loans up to $10,000!

Obviously, it is important you apply with a lender that offers the amount you’re looking for. Therefore, it is essential you first work out how much you need to borrow before applying.

Borrowing too little may mean you need to apply for another loan. Borrowing too much, on the other hand, may leave you with unmanageable repayments. A missed payment here, a default there, and you may find your credit score has taken a hit. This may make it difficult to access credit in the future.

Loan purpose

Cash loans are incredibly flexible. Essentially, one you get the funds in your account, you’re free to spend them as you wish, hence the name cash loans.

Despite this, lenders may still ask you to provide a reason for your loan. This is because certain lenders restrict what you can spend your money on. Specifically, these lenders often restrict whether or not you can use your money to pay for bills, rent or food.

Therefore, read the terms and conditions before applying for a loan. Moreover, confirm what you can and cannot spend your funds on.


ASIC regulates what lenders can legally charge. For example, for loans valued at $2,000 or under, your lender is only allowed to charge you the following.

  • Establishment fee of not more than 20% of the loan amount. This can only be charged once.
  • A monthly account keeping fee of not more than 4% of the total loan amount.
  • Any government fees.
  • Penalty fees for late or default payments.

However, lenders cannot collect more than 200% of the principal amount if you fail to repay the loan.

While there is a cap on what lenders can charge, certain credit providers may offer loan products with lower rates or fees than the cap. As a result, it pays to shop around.


The loan term is the length of time you’re given to repay your loan in-full. Depending on your lender, as well as the amount you apply for, your terms may range anywhere from 16 days to years.

The length of your loan term will have a big impact on your regular repayments and, as a result, on your overall experience with your loan.

Specifically, paying your loan out over a longer term means your regular repayments are smaller. However, as loans are interest-based, you will pay more in overall interest by the end of your term.

On the other hand, a shorter repayment term results in higher regular repayments. This may mean your repayments take up a bigger part of your weekly budget. Despite this, you will pay less in overall interest by the end of your loan term.

At the end of the day, weigh up what you value more. Do you prefer not upsetting your regular budget but paying more interest over time? Or would you prefer to be careful with your budget for a shorter length of time and be debt-free sooner?


As we mentioned earlier, different lenders may specialise in offering different types of loans. Moreover, they may specialise in catering to particular customers.

An incredibly common example is offering bad credit loans. In short, some lenders are more willing to extend credit to risky loanees than others. If you have multiple missed payments or defaults on your report, lenders will perceive you to be a greater risk. After all, your history shows you’re not the greatest at making repayments on time.

Obviously, however, people change. While your credit report may still reflect a few poor choices in the past, it does not necessarily mean you do the same now. Lenders offering bad credit loans acknowledge this and are often willing to consider applicants with poor credit.

Finally, the risk appetite for lenders can also vary. While certain lenders may consider you if you have bad credit history, others may even be willing to consider consumers with bankruptcies on their report.


With all facets of our lives migrating online, it’s no surprise to see finance and credit do the same. More specifically, you can forget about having to spend half your day queueing or needing to be physically present to sign or supply documents. These days, it’s all online.

One major benefit of online applications is turnaround time. Obviously, having a 100% online system streamlines the entire process. Moreover, certain parts of the assessment process may also be automated. Therefore, you may even be able to get an outcome within 60 minutes if you apply during normal business hours!

Finally, lenders transfer your funds if you approve the contract offered to you. Processing speeds may vary between lenders, but you may be able to expect to see your cash the same business day or the following business day.

How can I get an instant loan?

An instant loan is a personal loan that is processed so quickly it may feel almost instant. While a lot of lenders online may claim to offer instant loans, it can often, be difficult for borrowers to know which lenders are legitimate. Monzi, on the other hand, takes the guesswork and risk out of getting your hands on quick cash, as we only work with licensed, reputable credit providers.

While access to funds will depend on inter-bank transfer times, you can generally be confident that you should see your loan within 24 hours of approving the contract. If you approve your contract over the weekend, however, your loan may not be transferred until the next business day.

So, here’s how to get an instant loan:

  1. Select your loan amount and repayment terms in the loan calculator. Next, click apply now;
  2. Once you’ve filled out our application form, we’ll get to work finding you a credit provider;
  3. If successful, we’ll let you know;
  4. Your new lender should get in contact directly;
  5. Depending on when you approve the loan contract, as well as inter-bank transfer times, you could see the cash in your account within 24 hours.

What is the easiest way to get a personal loan?

Using Monzi’s lender-finder service makes applying for a personal loan the easiest thing you’ll do all week. To get started, simply scroll up to the loan calculator, and select your loan amount and ideal repayment terms. Now, you’re on your way.

If you, however, want to improve your chances of being approved for the funds you need, follow these steps:

  1. Make sure you meet the eligibility criteria to apply.
  2. Apply for the right amount
  3. Maintain a good credit rating.
  4. Show a good savings record.

Keep in mind, Monzi may not be able to help with instant approval payday loans.

Quick cash loans and woman wearing glasses running on beach

Am I eligible for quick cash loans?

We’ve made our application criteria nice and simple so you don’t have to waste time trying to figure out if you can apply or not. Therefore, to move ahead with your application, we simply require the following four things from you before we can start trying to find you a lender:

  • Be at least 18 years of age.
  • Be an Australian citizen or permanent citizen.
  • Have been receiving a regular income into a personal bank account for the last 90 days.
  • Have a mobile number and email address.

If you meet the above four criteria, you are eligible to get started with our lender-finding service.

I need 1 hour cash loans very quick funds!

Looking to submit an application for a one hour quick personal loan? Why not give us a crack? After all, we already know that you’re a bit stressed about needing a cash advance, fast!

Begin by heading to the top of this page and selecting how much you would like to borrow. Next, indicate a repayment period that suits you and hit the apply now button.

We’ll then grab a reason for applying for the loan from you and get you to submit some personal details as well. Don’t worry, this part is quick and painless!

If we are able to find a potential lender for you, we then pass along your application details and they’ll get to work assessing your application. From here on out you will deal with your lender directly.

How much do loans cost?

Monzi is a lender-finder service, not an actual lender. As such, this means that we don’t actually hand any cash out ourselves. In short, we just find the lenders that do!

Because we don’t actually handle any of the financials, we also cannot guarantee what your repayment amounts or costs may be. Put simply, each lender is different and as such, will have different repayment terms. Therefore, be sure to always read your contract if you are approved.

We find quick cash loans for Centrelink customers

Loans for people on Centrelink are a means of borrowing for people who need a personal loan but are receiving Centrelink benefits. Therefore, even if you are unemployed and looking for instant funds, you may still be eligible for a quick cash loan. This is because Monzi works with lenders who may be happy to regard regular Centrelink payments as a form of income.

So, if you’re looking for bad credit finance or cash loans for Centrelink customers, we may be able to help.

I need cash loans for bad credit

If you have a bad credit rating, you may feel your options for lenders becomes limited. This is, however, not strictly true. Many lenders may be happy to look past your poor credit and focus, instead, on your current relationship with money.

We know that not everyone is going to have a squeaky clean credit history. After all, life happens, right? With this in mind, we do our best to try and find lenders who may be willing to give you a fair go, despite your previous credit history.

Don’t let bad credit history stop you from applying for bad credit loans. Submit an application online and let’s see what we can do.

Can you find quick cash loans no credit check?

Monzi is a lender-finding service, not a lender. As such, we do not conduct credit checks ourselves. Keep in mind though that we can find lenders who may conduct a credit check of your application as part of their own responsible lending practices and a thorough assessment. But don’t let this stop you from applying.

Just like bad credit, we can find lenders who are understanding. Yes, they may conduct a credit check, but they will also look at other aspects of your application.

Many lenders now take into account your current financial circumstances, repayment history, income among many other aspects. If they can see that you’re on top of your finances and handling your money well, they may be able to do something for you, despite your previous credit history.

So, don’t let a credit check hold you back. Apply now for emergency cash loans and see if Monzi can find a lender for you.

Just keep in mind, approval is never guaranteed.

How do I make repayments?

Making repayments is simple and straightforward. Moreover, it shouldn’t surprise you that with the latest in banking technology, repaying your loan might be the easiest thing you do all week.

In short, if you approve the loan contract offered to you, your lender sets up direct debit from your account. Moreover, you and your lender reach an agreement on your repayment cycle: weekly, fortnightly or monthly.

As a result, your repayments are automatically deducted according to your cycle. Once your lender deducts your final repayment, the direct debit stops automatically.

What do I do if I can’t afford repayments?

It is important you get in contact with your lender as soon as possible if you know you cannot afford an upcoming repayment. Depending on your lender, you may be able to get your payment cancelled or rescheduled for a contractual fee.

Obviously, however, your circumstances can change. More specifically, you may not be able to afford your regular repayments if something happens like losing your job or being injured so you’re no longer able to work. In these situations you may be eligible for hardship.

Financial hardship is the safety net in case something changes in your life and you can no longer reasonably afford your repayments. Here is how you can apply for financial hardship:

  1. Get in contact with your lender directly by calling or sending them an email.
  2. Let them know you wish to apply for financial hardship.
  3. Provide evidence of hardship. This could include:
    • bank statements
    • separation certificate from employer
    • medical certificate
  4. Your lender assesses your claim and provides an outcome.
  5. Your lender offers a repayment plan if you are approved.

Can you find payday lenders?

We may not be able to match you with payday lenders in Australia. Moreover, we cannot guarantee whether the payday lender will access your credit report.

Monzi will aim to match you with lenders offering personal loans.

Are there any loans with guaranteed approval?

Unfortunately, consumers are not guaranteed approval for any loans in Australia. In fact, any lender offering you approval no matter what may be a scam.

This is because in Australia, all credit providers must lend money responsibly. In other words, lenders must not offer you a loan contract they know you are unable to afford. Moreover, in order to lend money responsibly and be compliant, lenders must fulfil a number of requirements. These steps are known as responsible lending obligations.

Specifically, there are three steps your lender must take in order to lend money responsibly. These include:

  1. making reasonable inquiries into your financial needs and objectives, as well as your current financial situation.
  2. taking reasonable steps to confirm the above information for themselves.
  3. using the information they have gained to decide whether the contract is suitable or not for the consumer.

As you can see, lenders cannot simply extend credit to everybody. Moreover, any lender promising guaranteed approval should be met with extreme caution.

Quick cash loan FAQs

Monzi’s been in the lender-finder game for a while. Over time, we see the same questions pop up time and time again.

We’ve compiled a list of the some of the more frequently asked questions below.

Can I apply if I’m unemployed?

You may be able to apply with certain cash lenders that are able to offer loans to unemployed consumers. There is a major caveat however, as you must still show you have the capacity to repay your loan by earning some sort of income.

How can you earn income if you’re unemployed? Well certain credit providers may be able to consider things like Centrelink payments as income.

If you are unemployed however, you should consider all other options available to you before borrowing new credit. After all, new credit products might not solve your problem and may even lead you further into debt.

For example, consider whether you are eligible for the No Interest Loan Scheme (NILS). NILS provides safe credit for vulnerable Australians. Check their website to confirm your eligibility.

Can a business take out a cash loan?

You can spend your cash loan almost however you wish. Therefore, you could apply for a cash loan as an individual and then, in-turn, put the funds towards your business. This, however, may not be your best option.

Small business loans are structured differently to cash loans. Moreover, if you are looking to put your funds towards your business, these loans may be preferable to quick cash loans.

Are quick cash loans online safe?

While at times searching for these loans online may feel like murky waters, this industry is heavily regulated and as a result, is as safe as any other type of credit.

More specifically, lenders are bound by the regulations set out by the Australian Securities and Investments Commission (ASIC). ASIC lays down a wide-range of rules by which all credit providers must comply. Moreover, these rules and regulations govern:

  • the maximum amount lenders can charge you
  • the minimum repayment term lenders can offer
  • caps on fees and charges
  • assessment procedures.

However, consumers should always be careful when applying for new credit and conduct their own research.

Do I have to accept the loan offered to me?

No, absolutely not. You are under no obligation to approve any contract offered to you by a lender from Monzi’s network.

In short, lenders offer you a digital loan agreement if they approve your application. You are under no obligation to approve this contract. In fact, it is essential that you read through your contract carefully before making a decision. Moreover, confirm you are happy with the following:

  • Amount. Lenders may not always be able to offer the exact amount you apply for on our site. While they’ll do their best, confirm you are happy with the amount on offer.
  • Term. Are you happy with your repayment terms? Do you prefer longer terms with more manageable repayments or a shorter term with less overall interest?
  • Rates & fees. Do you understand all the rates and fees applied to your loan? Are you also aware of what you will be charged for missing a repayment?

Finally, the importance of reading through your contract cannot be stressed enough. If you approve a contract you find yourself later to be unhappy with, you may find yourself is a spot of trouble.

Find quick cash loans online with Monzi

Monzi has already helped thousands of Aussies find the quick cash lenders they’re looking for. Whether it be money for vet bills or funds to cover a new washing machine, Monzi can try to help!

Put simply, people have found themselves using Monzi’s lender-finder service for all sorts of reasons. Below are some popular search terms that have lead borrowers to Monzi and our lender-finder service.

Quick Cash LoansAmount $ (AUD)Approved
Quick Cash Loans For Centrelink Customers800
1 Hour Cash Loans Very Quick Funds1,100
Quick Cash Loans Bad Credit2,300

Disclaimer: The above amounts are solely for demonstrative purposes. They do not, in any way, reflect the terms of your loan nor the amount which you may be approved for.

Monzi is the friend you need when you need a hand finding a lender. We’re quick, efficient and good at what we do. If you’re looking for a lender to help out with quick cash loans, submit an online application and see if we can help you out.

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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.