Same Day Loans Up To $10,000. Find Lenders With Monzi!

Same day loans could be your ticket to getting out of a tough financial spot. However, if you need loans fast, you need the right lender. That’s where Monzi comes in. Within minutes of applying, we might be able to put you in touch with a lender offering a same day loan of up to $10,000.

What Exactly Are Same Day Loans?

These are convenient loans with a short repayment term. Moreover, these loans are potentially transferred into your account the same day your loan is approved. Usually, the repayment period for same day loans will be several months. Additionally, because borrowers can apply for loans online within minutes, same day loans can be a convenient way to cover an unexpected expense.

Monzi is a lender-finder that may be able to find you a lender who could offer bad credit loans ranging from $300 to $10,000.

Receive government benefits? You may be able to apply for both secured and unsecured loans for Centrelink customers.

How Do Same Day Loans Work?

Same day loans work by you applying with a lender online who aims to assess your application as quickly as possible. If you’re approved and everything goes to plan, your funds will appear in your account the same day you accept your loan contract.

If you need cash in your account today, you could consider applying with a lender offering quick cash loans. Finding the right lender, however, as well as filling out multiple applications, can often be time-consuming and tedious. Therefore, Monzi’s lender-finder service could be a great tool if you need cash fast.

Here’s how to use Monzi’s lender-finder service:

  1. Enter in your desired loan amount and repayment terms in the loan calculator at the top of this page. Next, click Apply Now.
  2. You’ll now be taken to our online form. Once you have completed and submitted this form, we’ll get to work finding you a lender.
  3. Finally, our automated system will scan through hundreds of different loan products in the space of minutes. If successful, your new lender will be in touch and you will deal with them directly. Once you approve your loan contract, they should begin processing your loan**.

**Access to funds may vary depending on inter-bank transfer times.

Pros and Cons

These convenient cash loans may be helpful in an emergency situation. However, just like any credit product, there are a number of risks and benefits associated with this type of loan. Therefore, consider the following:


  • Funds appear in your account the same day you approve your contract.
  • Relatively easy eligibility criteria compared to traditional lenders.
  • Rates, fees and charges are capped by the Government.
  • Simple repayments through direct debit.


  • May attract higher fees and rates due to the risk of bad credit and shorter repayment terms.
  • Missed payments can quickly snowball into debt and poor credit history.

Monzi’s Past Customers

If you’re in a pinch, it may be tempting to search online for payday loans. This, however, may not be your only option.

At Monzi, we are proud of the fact we’ve helped thousands of people all across the country get their hands on the fas finance they need.

Our network of lenders may offer small unsecured personal loans, as well as larger secured loans.

Below are some examples of the easy loans our customers were approved for, after finding a lender through Monzi:

Same day loansAmount ($) AUDApproved
Same day cash loans800
Quick loans bad credit1,350
Quick loans same day2,100
Same day cash loans online3,600
Bad credit loans8,000

The above table is for demonstrative purposes only. The figures presented do not, in any way, reflect the loan amount you may be approved for nor the actual terms of the loan. Loans that come with no credit check are possible but not guaranteed.

Online Loans Available Same Day!

We’re a 100% online Aussie lender-finder. In short, we make finding the right lender easy, stress-free and most importantly, you get cash loans fast!

Once you complete Monzi’s simple instant loan application, we’ll get to work trying to find you a lender. If we’re successful, the credit provider will first conduct an assessment of your application. Moreover, they will look to confirm the loan product is suitable for your the consumer’s personal situation.

Finally, if the credit provider is able to make you an offer, they will be in touch. Keep in mind, it may not be exactly what you initially applied for on our website.

Depending on the lender we pair you with, as well as your individual banking circumstances, you could have your loan in your account the same day you approve your contract.

Monzi – the easiest, fastest way to find finance online.

How can I increase my chances of getting a loan the same day?

These days, we all want things to happen instantly. While receiving your cash on the same day you apply is certainly possible, it is not always guaranteed. However, there are a number of things you can do to potentially increase your chances of receiving your cash ASAP.

  • Provide correct information. By providing all relevant information when you first apply, lenders may not have to pause their assessment to chase up documents.
  • Business hours. Lenders have operating hours in which they assess your application. If you apply outside of these hours, you may not get an outcome until the following business day.
  • Keep your phone close. Keep your phone and emails handy during the assessment process. The quicker you’re able to respond to your lender’s questions, the faster they’re able to provide an outcome.

Finally, bear in mind that you may not be able to get an outcome over the weekend or on public holidays.

Easy Approval Same Day Cash Loans

Put simply, life has a habit of throwing a few unexpected expenses your way. It always seems, however, that these expenses come our way when we aren’t in the best financial position.

Maybe your car has broken down again? Or, maybe, your friend is having an impromptu wedding overseas, and you need to cover the travel costs? Or maybe, you just need a little cash to cover the rental bond on your new place. Whatever the reason, if you’re looking for lenders offering a fast loan online, you can forget the hassle with Monzi.

We’re lender-finder experts, and have a network of lenders ready to see if they can help.

Forget spending hours trawling online through different credit providers, or applying with a lender you’re ineligible for. Instead, make your life easier and use Monzi’s lender-finder service.

It is important to note, however, that approval is at the discretion of the lender. Monzi cannot guarantee whether or not your application will be approved.

Before applying for same day personal loans

In certain situations, a same day loan can be the convenient cash injection you’re looking for to see you through a financial emergency. However, these loans may not be for everybody. Therefore, consider the following before you apply online:

  • Your finances. Do you have a rough idea of what the repayments may look like? If so, are you able to reasonably afford it within your regular budget?
  • Fees and charges. Is the lender clear about all the associated fees and charges? Do you know what upfront and ongoing fees are associated with your loan? Moreover, do you know what happens if you miss or are late on a repayment?
  • Interest. Interest is expressed as a percentage of the principal. Rates may vary based on the lender, your credit history and whether you apply for a secured personal loan.
  • Criteria. Do you meet the lender’s criteria? Some lenders may be able to consider applicants with poor credit, while others may be less so.
  • Loan purpose. Many same day personal loans are taken out to cover an emergency expense. However, in certain situations a loan may not be your best option. Consider whether the expense is truly an emergency and whether or not there are any alternatives available to you outside of applying for credit.
  • Features. Is the loan a fixed or variable rate? Are you allowed to make early repayments without incurring a fee?

Am I Eligible For Same Day Cash Loans Online?

To be able to use Monzi’s lender-finder service, there are a few industry-standard eligibility criteria you will need to meet. Therefore, before Monzi can start finding you a lender, you’ll just need to make sure you are:

  • At least 18-years old.
  • An Australian Citizen or Permanent Resident.
  • Have an active mobile number and email address.
  • Have a personal bank account with online banking set up.
  • Received some sort of regular income for the last 90 days.

Consumers who meet all the above eligibility criteria are free to apply now with Monzi.

What documentation do I need?

Australian consumer law requires all credit providers to do their own research into your financial situation. Moreover, lenders must confirm you earn a regular income and will be able to afford your repayments.

Therefore, lenders may ask you to provide the following:

  • Copies of your bank statements, showing the most recent 90 days of transaction history.
  • Payslips from employer and/or Centrelink
  • Utility bill statements
  • Rental property statements
  • 100 points of identification.

Please note, however, that with Monzi’s smart application, providing all the right information is easy. In fact, our system can digitally access a lot of what we need, meaning you don’t have to stress.

Apply Online In Minutes

At Monzi, we’re aware that when people search online for quick loans same day, they mean it. In other words, borrowers want their loans to actually be processed on the same day. With this in mind, Monzi has designed our who application process to be as simple and as streamlined as possible.

So, here’s how to find lenders offering quick loans, with Monzi:

Step One – Apply Online

Applying online is hassle-free and simple. So, to get started, simply scroll on up to the loan calculator at the top of this page. Here, select the amount you wish to borrow as well as your ideal repayment terms.

Monzi can find lenders that offer same day personal loans ranging from $300 to $10,000. Keep in mind, the repayment term will depend on the amount of money you borrow.

Step Two – Put Your Feet Up

Once you have completed the online application form, our automated system will get to work. Next, you can just put your feet up and wait for us to get back to you. Generally, we can scan through hundreds of different loan products in minutes. If we’re successful, we’ll let you know via email and text – so, keep an eye on your notifications.

Step Three – Meet Your New Lender

If you’re successful, our new lender should be in contact. From here, if approved, they’ll send through a copy of your loan contract for you to read over and, if you agree, digitally sign. Finally, once you approve your contract, they’ll begin transferring your funds.

Access to funds will, however, be dependent on inter-bank transfer times, as well as when you approve your contract. If you, for example, approve your contract outside of your lender’s operating hours, they may not be able to transfer your loan until the next business day.

Generally, your loan should appear in your account the same day, or, appear overnight.

Same day loans written on denim jacket worn by woman against pink background

Same Day Loans Bad Credit – Do They Exist?

We’ve all made mistakes in the past, that may have resulted in a less-than-perfect credit score. The thing about your credit score, however, is it follows you around for a while. A credit default listing, for example, may stay on your credit report for up to 7 years!

Therefore, if you have made mistakes in the past and have a bruised credit report, you may feel like your options are limited.

Admittedly, while traditional lenders like banks may be hesitant to approve you for credit, there are still options available to you. Many short term lenders may, for example, be willing to look past your poor credit report.

In short, Monzi can help put you in touch with one of these lenders. So, if you have poor credit, Monzi’s lender-finder service could save you a lot of time and hassle.

Can Monzi Find Same Day Loans No Credit Check?

If you’re looking for online loans with no credit check, you may feel like your credit score is so poor it will stand in-between you and being approved for finance.

As Monzi is the lender-finder, we cannot guarantee whether or not a lender will conduct a credit check.

If you have poor credit, however, this shouldn’t put you off. After all, Monzi works with lenders that understand your credit score doesn’t always reflect the kind of borrower you are today. In short, Monzi may be able to pair you with a lender who can quickly look past your poor credit and focus on your current relationship with money.

I Need A Low Interest Loan Same Day!

Monzi works with a network of lenders that offer competitive interest rates. However, we are only a lender-finder. Therefore, we cannot guarantee what the interest rate will be.

You can consult Monzi’s costs page to get a rough idea of what you could expect to pay. Again, however, this is just a rough guide. Alternatively, to get a better idea, you will need to consult your individual lender’s costs page.

Keep in mind, if you apply for a loan today, the lender is likely to charge additional fees and charges on top of the interest and principal.

Can I Get Quick Loans Over The Weekend?

You can use Monzi’s 100% online service wherever and whenever you wish. However, keep in mind you may not receive your loan over the weekend.

This is because most banks will not be able to process transfers over the weekend. So, if you approve your loan contract Friday night, your lender may not be able to transfer your funds until the next business day.

In conclusion, to get a better idea of when you can access your loan, it may be a good idea to get in contact with your lender directly.

Is It Safe To Give Monzi My Banking Details?

You’ll notice in the application that we’ll ask you to provide your internet banking credentials. If you’re a bit suspicious, we don’t blame you – we get this question a lot.

In short, we use some of the latest in safe banking technology to obtain a read-only copy of your bank statements. Therefore, this allows your future lender to get a better understanding of your current relationship with money. Essentially, if they can see that you’ve been receiving a regular income, and have been responsible with your other financial obligations, you may still be considered for approval – despite your bad credit.

Finally, Monzi has teamed up with tech-security giants McAfee and Comodo to ensure your details are always safe. Keep in mind your banking credentials will be encrypted as you enter them, and permanently deleted once we get what we need. Furthermore, nobody at Monzi, nor the lenders we work with, will ever be able to see or access your password.

Can Monzi Find Quick Loans For Pensioners?

There is a possibility pensioners may secure approval through one of Monzi’s lenders. After all, Monzi works with a wide network of lenders who may consider regular pension payments as a form of income. If the repayments on your future loan fit easily within your regular pension payments, you may still be considered for approval.

Generally, however, you will need to be receiving regular payments for at least the last 90 days. Additionally, approval will always be at the discretion of the lender themselves.

Receiving Government Benefits? We Can Still Help!

If you are receiving Centrelink benefits, you may still be approved for a loan. While other, more traditional lending institutions may be unlikely to accept applicants who receive Centrelink, Monzi works with lenders who do things a little differently.

If you have been receiving regular Centrelink payments into your bank account for the last 90 days, you may still be considered for approval. Therefore, if you are looking for a same day personal loan ranging from $300 to $10,000, Monzi may be able to find you a lender.

Emergency Loans Available Same Day

Are you looking online for emergency cash with no credit check for unemployed? Perhaps you’re in a tight spot but are concerned about your history of poor credit?

If so, you could consider using Monzi’s lender-finder service instead. We may be able to find a lender offering a quick personal loan.

Monzi works with lenders who may offer personal loans from $300 to $10,000.

Monzi Knows A Lender For Every Situation

After so long in the game, Monzi has built up a network of premium lenders. Additionally, Monzi works with lenders who offer a huge variety of loan products. However, these same day loans can be divided into three broad categories.

Small Same Day Loans

Small personal loans range from $300 to $2,000 and generally have a repayment period of 12 months. Also, these loans are unsecured, which means you will not need to attach an asset as collateral against the loan.

Medium Same Day Loans

Medium same day personal loans are generally valued between $2,100 and $4,600 and have a repayment period of between 13 and 24 months. Keep in mind, however, that medium personal loans are secured loans, meaning you will be required to attach an asset as collateral. Monzi works with lenders who can accept your car, motorbike, caravan or boat as collateral.

Large Same Day Loans

Large same day personal loans are valued between $5,000 and $10,000. Much like medium personal loans, large personal have a repayment period of 13 to 24 months, and are also secured.

Can Monzi Find Payday Loans?

Monzi may not match you with lenders offering payday loans without any credit checks.

Payday loans, sometimes referred to as cash advance loans, may have very short repayment terms. Instead, Monzi can find lenders offering personal loans of up to $10,000.

How Can I Get A Payday Loan?

Monzi might not be able to help with a Australian lender offering a payday loan. However, if you’re looking for same day personal loans, Monzi may able to help. In short, Monzi works with lenders who may be able to process your loan the same day as approving the loan contract.

Keep in mind, however, that access to funds is dependent on inter-bank transfer times.

Responsible Lending Obligations

We work with a network of lenders who take their responsible lending obligations seriously. In other words, lenders will always look to confirm you are meet their criteria to receive an advance.

The responsible lending obligations were created by ASIC, and can be accessed via their website.

Warning against borrowing

Before making a same day loan application, seek information about other options before you borrow. For example, if you receive government benefits, you may be eligible for an advance from Centrelink.

In addition, the Government Moneysmart website shows you how small amount loans work and suggests other options for accessing credit.

If you receive benefits or are on a low income, please consider all other options available to you before applying.

Making repayments

Making repayments these days is relatively simple. In fact, you won’t have to stress too much about it. This is because lenders set up a direct debit from your account. Therefore, your repayments are automatically deducted.

Repayments are deducted according to your repayment schedule. Depending on the lender, you can usually choose between a weekly, fortnightly and monthly repayment schedule. Once your final repayment is made, the direct debit stops automatically.

If you cannot afford an upcoming repayment due to an unforeseen event, get in contact with your lender. Generally, if you provide enough notice, lenders may be able to cancel or reschedule your payment for a contractual fee.

If, however, your circumstances change dramatically, you may want to consider applying for financial hardship.

What is financial hardship?

Financial hardship is there for when life takes one of its many turns, and leaves you unable to afford your repayments. For example, you could lose your job unexpectedly or be injured at work. Whatever it is, trying to keep up with your regular repayments can be a nightmare.

Luckily, lenders have hardship departments in place in order to deal with these situations. Here is how you can apply for financial hardship:

  • Get in contact with your lender via phone or email.
  • Let them know you want to apply for financial hardship.
  • You must provide evidence of hardship. This may include things like:
    • bank statements
    • separation certificate from employer
    • medical certificate
  • Lenders assess your claim.
  • Lenders offer a hardship adjustment if they approve you.

Apply Today!

Are you ready to begin the application process? To get started, simply scroll on up to the loan calculator at the top of this page. Apply during business hours and you may receive an outcome within 60 minutes.

Got any questions? You may find answers at our FAQs, or alternatively, you can get in contact directly.

Consumers lodge all applications online; scroll up to begin.

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Factor In


Two credit cards
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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.