Small Loans Can Come Quickly. Just Apply Today!

Small loans can be described as personal loans up to $2,000 that are unsecured by any collateral. These loans can be especially useful when unexpected expenses arise. Monzi can find available lenders who may be able to offer you a small loan.

woman laughing on phone talking about small loans

What Are Small Loans?

These loans are a type of personal loan up to $2,000, that are unsecured and do not require any collateral to be attached as security. These loans generally have a 12 month repayment term and are characterised by fast processing times. Monzi is able to find available lenders who may be able to offer small loans up to $2,000.

Find Small Loan Lenders With Monzi

Small short term loans are like cash advance loans. They usually range from $300 to $2,000 and are unsecured. If an unexpected expense has thrown your budget off course, a small loan may be useful to assist with your temporary cash shortfall.

Monzi is a lender-finder that can search through different credit providers, and find you a lender who may be able to offer you a small loan. Even if you have poor credit or are receiving Centrelink, we may still be able to pair you with a lender. Additionally, Monzi may also find lenders offering medium and large personal loans of up to $10,000.

Loans Australia: Find Lenders With Monzi

Monzi Loans caters to Aussies looking for small quick finance nationwide; we can help most people find a lender. In short, Monzi makes finding lenders easy.

Additionally, all your personal information is completely safe with us. See, all data is secured through McAfee and Comodo. We may find a top-notch lender to provide small personal loans, loans with bad credit and unsecured loans for Centrelink customers. In short, we help our customers find lenders when they need them most. We may be able to find lenders that could offer you personal loans of up to $10,000.

Reasons to Apply?

There are many reasons to apply with Monzi. After all, a person can find themselves in a fix suddenly and without any warning. An unexpected and urgent visit to the dentist can set you back by a couple hundred. Unexpected illness of a family member, car accident, or urgent home repairs after a burst pipe. Let Monzi take care of finding a lender, so you can get back to do what you do best.

In short, small loans can make a difference when covering an unexpected expense.

How We Work

Put simply, you apply, and we get to work looking for an available lender.

There is a short application form to fill out on our website. Here, you will be asked to enter the amount you’d like to receive. Microloans are up to $2,000 and come with a 12 month repayment term, so you won’t be pressed for time. The best bit? No paperwork is required. Additionally, Monzi may find you a lender that might provide quick cash in minutes. Then, it’s up to you and the lender to work out the details. They’ll get in touch with you by phone or email – so be prepared to hear from them.

Can You Find Me A Small Loans No Credit Check?

Often, people who search for loans no credit check are concerned that their poor credit will prevent them from being approved for a loan. Therefore, these borrowers may be inclined to apply with a no credit check lender. Conducting credit checks, however, may be part of a lender’s assessment policy.

As we are only the lender-finder, Monzi cannot guarantee whether or not a lender will conduct a credit check on your application. However, please understand Monzi works with lenders who are prepared to look beyond your credit rating. They will prefer to look at your current relationship with money, including your current earnings, financial stability and personal circumstances in general to make an appropriate responsible lending decision.

Our partners are true professionals. As such, they will take all relevant factors into account to accurately evaluate a client’s ability to repay their loan.

What Is A Small Cash Loan?

Small cash loans from Monzi’s network of lenders are small loans under $2,000, that can be processed quickly online. These loans will have a repayment period of 12 months.

Monzi works with lenders that can offer you small cash loans of up to $2,000. Alternatively, if you need a larger amount, Monzi may be able to find you lenders offering loans of up to $10,000.

How Do I Get A Small Personal Loan?

There are a number of ways to apply for a small personal loan. Initially, most people are able to find personal loan lenders online. However, the sheer volume of online lenders can often over-complicate things.

You are able to skip all of this with Monzi’s lender-finder service. With a single request, Monzi is able to search through our network of lenders to find an available credit provider. From there, we will pass your details on to the lender, and they will get in contact with you.

Forget multiple applications, queuing in a bank or mountains of paperwork. Make Monzi your new best friend in finance.

How Monzi Finds Lenders Offering Small Loan Fast.

Monzi’s lender-finder service can really fast-track applying for a small loan. So, if you want to cut through hours of browsing online, here’s how Monzi can help:

1. Fill in our online application form.

2. We’ll scan through hundreds of credit providers to find you an available lender.

3. If successful, your new lender should be in touch with you directly.

4. Your lender will take it from here. Depending on the lender, and inter-bank transfer times, you might even see the cash in your account within 24 hours of approving your loan contract.

So, Monzi’s lender-finder service could be the express ticket for getting in touch with a lender.

Where Can I Get Small Loans?

Initially, you could apply for a personal loan from a bank. Additionally, you are able to apply for a personal loan from a bank physically, in their branch, and potentially online as well. Generally, however, you’ll need good credit to qualify for a personal loan from a bank.

Alternatively, you could apply through short term lender. Short term lenders often have more lenient assessment criteria and faster processing times. Depending on the lender, as well as inter-bank processing times, you may have access to your loan within 24 hours of approving the contract.

When you use Monzi’s lender-finder service, we take the hassle out of finding a lender. With one application, we’ll pair you with an available lender from our network. These lenders will then conduct their own assessment of your application.

Monzi is able to find lenders offering small personal loans of up to $2,000, as well as medium and large personal loans of up to $10,000.

How Can I Get Approved For A Small Loan?

Credit providers will assess your loan application based on your ability to comfortably afford your repayments, taking responsible lending practice into consideration. So, to increase your chances of being approved for a small loan, make sure your income will easily cover the repayments, and try to keep up with the repayments on other debts that you may have.

Keep in mind, however, that Monzi is just a lender-finder. It is up to the lender themselves to approve or decline your application. Additionally, each lender may have slightly different assessment criteria and procedures.

Is It Hard To Get A Personal Loan?

As each lender is different, their assessment criteria and policies may differ as well. As small personal loans are generally unsecured, however, they do pose a greater risk to the lender. So, attaching security against a larger loan may increase your chances of being approved. This is because attaching security greatly reduces the level of risk to the lender.

Monzi is, however, only the lender-finder. The assessment policies and criteria may differ from lender to lender. Therefore, if your lender declines your loan application, consider getting in contact with them.

Mirco Loans Fast: As Highly Demanded As Ever

Micro loans are a type of personal loans, which are a key element of the AU finance sector according to data of the Reserve Bank of Australia. Over the past ten years, personal loan balances nationwide have retained a stable level of around $110 billion in total. The demand is no accident: people apply online, get cash fast.

Who is eligible to apply?

To be eligible to apply with Monzi, you need to be a citizen or permanent resident of Australia who is over 18 years of age. Additionally, you need a valid mobile number, email address and must have been receiving a regular income for the past 90 days or more. Keep in mind that we may need proof of your income, a copy of your bank statements may also be required.

Can Monzi Help Me Find Small Loans No Credit Check?

Are you concerned that your poor credit will get in between you and a small loan? In this case, you may find yourself looking for loans no credit check. No credit check lenders will base their assessment predominantly on your income. While this may seem initially attractive, these lenders may be misleading about the payable fees and charges on your loan. Put simply, no credit check loans may not suit everyone’s situation.

While Monzi is only the lender-finder, we can’t guarantee whether or not a lender will conduct a credit check. What we can guarantee, however, is that we work with lenders who prefer to look at your current relationship with money. So, credit check or not, these lenders will be able to look beyond the mistakes you made in the past.

Can You Find Lenders Offering Loans For Centrelink Customers?

There are ways of borrowing money for people who need a short term loan but are receiving Centrelink benefits. In short, loans for Centrelink customers are personal loans that can be repaid out of your Centrelink benefits. Monzi is able to find lenders that will count regular Centrelink payments as a form of income.

Does Monzi Work With Lenders Offering Quick Loans?

Monzi is able to find lenders that may be able to process your loan application so quickly it almost feels instant. Quick loans are processed quickly and transferred into your account once you approve the loan contract. Access to funds will depend on inter-bank transfer times. You could, however, potentially see your loan within 24 hours of approving the contract.

We Can Find Lenders Offering Small Loans Bad Credit

Some of the lenders Monzi works with may offer loans for people with bad credit. Apply and let us help. See, Monzi and the lenders we work with, believe in second chances. So, if have been turned down for credit before, why not consider using Monzi? We work with lenders who may be able to approve your bad credit loan application.

What are the Possible Costs?

Our lender-finding services is free. Furthermore, you won’t be charged anything if we are unable to find you a lender or if you don’t like the lender’s terms. You can cancel at any time without incurring a cost.

When you apply with Monzi Loans, we search through our network of lenders to find an available credit provider.

Monzi’s lender-partners offer medium and large loans, however, their terms vary from those of small loans, up to $2,000.

Borrow money online now! These loans are normally repayable over 12 months – with weekly, fortnightly, or monthly instalments.

Transparent Terms

Your lender will disclose the repayment terms in the loan contract. However, fees can differ depending on each lender and each loan type.

As a lender-finder, we cannot guarantee what the fees and charges on your loan will be. Your loan contract, however, should outline all possible fees and charges. Additionally, we recommend that you look at the costs page of the proposed lender. So, if you have questions regarding the terms of your loan, you’ll need to get in contact with your lender directly or view their costs page.

Micro loans – fast outcomes shouldn’t be a problem

No more endless online searches, no more annoying phone calls and meetings, no more waiting days or even weeks. Essentially, these are the benefits of applying with Monzi. Put simply, applications through Monzi are more convenient.

You can apply from any computer or smartphone. Therefore, there is no need to go to the bank. We don’t ask for paperwork, although, we will require your internet bank login details in order to access read-only copies of your bank statements. We will also need to confirm a few personal details, and MyGov login details if you are receiving Centrelink benefits. Additionally, your bank statements will be viewed by lenders in a read-only format. Our partners use the latest security software to protect your information, so your data is safe and sound.

Our partnership with you ends when and if we pair you with a lender. Next, your lender will conduct their own assessment of your application. Finally, if you’re approved, they’ll send through a copy of your digital loan contract.

Keep in mind, you are under no obligation to approve any credit contract offered to you. If you are unhappy with any of the terms and conditions offered, simply decline the contract. You will not be charged a cent for declining a contract.

Repayments are subject to the loan provider and their client terms. Usually, our clients and their lenders set up a direct debit, so instalments are deducted from their account automatically.

Is Monzi For Me?

At Monzi, we like to think we can help anyone find an available, licensed lender. Put simply, Monzi has helped people from all over Australia find a lender. Below is a table illustrating the type of loans our network of lenders may be able to offer.

Small LoansAmountApproved
Small loans for Centrelink customersAUD ($) 300
Quick small loansAUD ($) 1,200
Small cash loans bad creditAUD ($) 2,000

Disclaimer: Keep in mind that the above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your loan, or the actual amount that you may be approved for.

Renegotiating Terms

At Monzi, we know that can emergencies strike without warning. After all, disaster can strike in the form of sudden illness, accident, or divorce. Put simply, we work with lenders who are both reasonable and flexible. Just get in touch with your lender if you’d like to make changes to your repayment structure.

Please note that most loan providers require one business day’s notice before your next instalment is due in order to make any changes effective.

We Welcome your Feedback on our Service

Please feel free to provide constructive criticism if you have any issues with our lenders or services. Simply, if Monzi is not aware of an issue, we can’t address it. To inform Monzi of any problems, you can contact us on, or through our website.

Monzi’s staff record the details in our Complaints Register if an issue can’t be resolved within 24 hours. If Monzi needs more information, they’ll notify you. Also, Monzi may ask you to complete a complaint form. You’ll be notified that your complaint has been received within 2 business days.

Support from Monzi

Monzi’s professional, helpful, and friendly support team is available online every business day during working hours.

Data Privacy

Monzi abides by the Privacy Act 1988 and regards all client records as confidential. So, only our lenders receive access to them to help make a decision on your application. Our lender-finding service makes every effort to protect the security and confidentiality of personal data from misuse, unauthorized access, interference and loss, modification, or disclosure.

We Are Not a Direct Provider of Loans

Monzi is not a lender, we only offer online referral services. Keep in mind, Monzi does not fund any other loans directly.

We refer applications to a third-party lender who decides if applicants fulfil their conditions. Next, the lender will inform you of their fees and other terms, where relevant. Also, please review offers and read loan contracts carefully before signing.

The lender might pay us a referral fee depending on the outcome of their interaction with you.

Learn more about bond loan, payday loans and travel loans here.

Responsible Lenders

You can be sure you will match with a responsible lender through Monzi. More specifically, they will take their responsible lending obligations seriously.

This includes taking reasonable steps to verify your financial situation, as well as your financial objectives. Therefore, your lender will not offer you a credit contract they deem to be unsuitable for your situation. In other words, you won’t be offered a loan the lender feels you will be unreasonably able to afford.

To find out more, you can access a full copy of the regulatory guide online.

So, Are You Ready to Apply?

Small loans can have many advantages, but they have their downsides too. They can be expensive and might not solve your debt issues. So, if you have serious money problems, we recommend calling a free financial counsellor at 1800 007 007 to talk about them. This number is valid throughout AU.

If you’re having trouble paying your utility bills, talk to your gas, electricity, or water supplier and try to agree on a payment schedule.

You may be eligible for an advance from Centrelink if you are receiving government benefits.

Or, if you’re ready to apply, just scroll up and get started with our loan calculator!

How customers rate Monzi

Small Loans Can Come Quickly. Just Apply Today! Overall rating: 4.9 out of 5 based on 10 reviews.

Factor In


Two credit cards
Two credit cards

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.

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.

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.

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.