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 are same day loans?

These are convenient loans with a short repayment terms. 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 quick cash in your account today, you could consider applying with a lender offering same day loans online. 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.

In short, if you apply today, our automated system will attempt to pair you with an available lender from our network. Best of all, you may be able to access cash loans from $300 to $10,000. As a result, there may be an amount on offer that suits you.

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 fast 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 same day 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 financial situation.

Finally, if the credit provider can 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 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 the likelihood 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.

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 to offer short term loans for bad credit same day.

In short, Monzi can help put you in touch with one of these lenders. So, if you have a poor credit history, 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 a poor credit history, 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. As a result, your lender may still offer same day cash loans bad credit.

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 in another state, 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 fast same day loans 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 costs? 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 a regular income for the last 90 days.

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

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 be processed on the same day. With this in mind, Monzi has designed our application process to be as simple and as streamlined as possible.

So, here’s how to find lenders offering quick same day 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, your 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

Are there any short term same day loans?


When you need a small cash amount today, you don’t always want to be locked into a long-term commitment. Luckily, Monzi knows a few lenders who may offer short-term loan options that could be processed today.

In short, through our lender-finder service, you can apply for small same day loans from $300 to $2,000. Best of all, these loans are unsecured and may be repaid over just 12 months.

So, when you’re looking for a loan today, Monzi may be able to put you in touch with a lender potentially able to offer a short-term commitment that works for you.

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 service. 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.

Quick loans same day payout vs same day approval

While they may sound similar, same-day approvals and same-day payouts do refer to separate concepts. So, let’s take a quick look.

Firstly, with same day approval loans, lenders will assess your application on the day you apply. Moreover, your lender will provide you with an outcome. If your application is successful, then you will receive same day approval. However, remember lenders do assess applications to ensure they are suitable for you, meaning approval is not certain.

On the other hand, a same day payout means that your cash will be transferred on the day you apply. However, this means that your application must be assessed and approved first. Typically, this will only be possible if you apply during business hours.

At Monzi, we will endeavour to match you with a lender quickly so that you may be able to access same day loans. However, we cannot guarantee if this will always be possible.

Can Monzi find same day loans for pensioners?

There is a possibility pensioners may secure loan 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.

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 same days loans for Centrelink customers ranging from $300 to $10,000, Monzi may be able to find you a lender.

Same day cash loans for unemployed: are they available?

Yes, they may be.

As we’ve mentioned, Monzi may be able to match you with lenders who offer same day cash loans for people on Centrelink. As a result, if you’re unemployed but receive benefit payments, then these loans could be an option for you.

However, it’s important to understand that approval is not guaranteed. While some lenders may consider offering loans to people receiving government benefits, others may not. Moreover, you must still meet the lender’s criteria and prove that you can repay the loan comfortably.

So, before you submit an application form, consider your options. While a personal loan may help when you need quick cash now, it may not be the best choice for your circumstances.

Can I get a same day loan on the weekend?

You can use Monzi’s 100% online service wherever and whenever you wish. After all, our website is active and available 24/7. 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. Moreover, lenders may not conduct assessments either.

As a result, while you’re welcome to apply with Monzi, weekend loan applications may experience delays. In many cases, you may need to wait until the following business day to receive your outcome or cash.

What if I need a car loan on the same day?

It’s tough to live without your car. Whether you need it to get to work or to get the kids to school in the morning, a safe and working vehicle is a necessity. So, if you’re in the market for a new car, Monzi may be able to help.

While we cannot guarantee if you will be offered a loan to purchase a car on the same day, we may be able to put you in touch with lenders who can offer personal loans up to $10,000. With this, one way to use your loan may be to buy a car.

As a result, if approved, you may receive the cash you need before you know it. From there, you can head out and buy that new set of wheels.

Keen to apply with Monzi? Just scroll up to our loan slider at the top of the page to get started today.

Can I get same day cash loans with no paperwork?

You sure can.

Complicated loan applications involving stacks of paperwork are a thing of the past. Through Monzi’s online system, you can submit a quick and easy loan application without the hassle. Just select your loan amount and repayment term, then enter the required details. You could have it completed in minutes.

From there, we’ll take over. If you apply during business hours, we may pair you with a lender in just 60 minutes. Moreover, you may even receive an outcome on the same day too.

However, remember that approval isn’t certain. Moreover, Monzi cannot guarantee if you will receive your cash on the day you apply.

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 same day personal loans from $300 to $10,000.

Pros and cons of same day loans

These convenient cash loans may be helpful in an emergency. However, just like any credit product, there are some 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.

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 same day payday loans?

Monzi might not be able to help with an 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.

Guaranteed approval payday loans same day

We understand that you may want quick cash loans. However, guaranteed approval same day loans should not be the answer.

Due to Australia’s lending legislation, lenders cannot legally offer these products. Instead, they must assess all applications that they receive to ensure that the loan is suitable for the borrower. In short, it’s about protecting you as a borrower.

Given this, if you do come across lenders offering guaranteed approval loans, then you should avoid them. One way to do this is to submit an application form with Monzi. We only associate with trusted lenders who will do things by the book. As a result, you can be sure that they will act responsibly.

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 meeting their criteria to receive an advance.

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

Quick loans for bad credit same day: what can they cover?

Whether you’re after a small loan today or something larger, Monzi may be able to help. Best of all, same day loans may be used to cover a range of personal expenses and we work with lenders who may consider bad credit borrowers too.

While by no means an extensive list, common reasons for applying for quick cash with Monzi include:

  • Bills (e.g. medical expenses or vet bills)
  • Car maintenance and repairs
  • Replacement appliances or technology
  • Household renovations

Where can I get fast loans today?

Keen to avoid the wait? Need a loan today to cover a pressing expense?

In these situations, you can turn to Monzi. Through our lender-finder service, you may be paired with a lender in just 60 minutes. As a result, if you provide all the required details and your application goes off without a hitch, it may be possible to access fast same day loans. However, this relies on the lender approving your application.

At the end of the day, Monzi cuts through the hassle. Rather than spending all day trawling through search results, trying to find a lender that you think might be OK, apply with us. From there, you may be paired with one of the many great licenced credit providers that make up our lender-network.

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.

Contact Monzi

We understand that same day loans can be confusing. So, to help you out, we’re always here to answer your questions. All you need to do is email us at

Once we receive your email, one of our customer service experts will get back to you with a response that addresses all of your queries and concerns.

However, remember that Monzi can only answer questions about our lender-finder service and organisation. As a result, you must contact your lender directly for questions related to same day cash loans that you’ve taken out.

Same day loans Australia: 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.

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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.