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

Quick cash loans available from $300 to $10,000. Apply in minutes for both secured and unsecured personal loans. No paperwork.

Woman running on beach towards quick cash loans

What are quick cash loans Australia?

A quick cash loan is a form of personal loan that can give borrowers access to their funds within 24 hours 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 loans have a minimum repayment period of 12 months and a maximum of 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 a cash loan, or an alternative to a payday loan, 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 out.

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 one easy loan 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!

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, or, feel like they charge extortionate fees and charges:

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.

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, convenient and hassle-free 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.

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.

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.

Repayments are simple and straightforward

Your repayments are usually set up to be as simple as possible. Therefore, if you are approved, your lender will usually set up a direct debit from your account. If that isn’t easy we don’t know what is! And to make things even better, once your loan has been repaid in full, your repayments should automatically stop. Easy, right?

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, 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 cash loans for bad credit or quick 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 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.

Find quick cash loans online with Monzi

Monzi has already helped thousands of Aussies find the quick cash lenders they’re looking for. 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 for demonstrative purposes only. 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 application and see if we can help you out.

Factor In


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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.