Small Loans Can Come Quickly. Just Apply Today!

Small loans up to $10,000 with Monzi. Quick and easy cash loans application with no paperwork. Flexible repayment terms. Apply now!

Small loans woman laughing while talking on phone with pink background

What are small loans?

These loans are a type of small unsecured personal loan up to $2,000. These loans for bad credit consumers generally have a 12 month repayment term and normally fast processing times. Monzi is able to find available lenders who may be able to offer small short term loans up to $2,000.

Find small loan lenders with Monzi

Small short term loans are like cash loans. If an unexpected expense has thrown your budget off course, consider a small loan.

Monzi is a lender-finder that can potentially pair you with a credit provider. Even if you have poor credit history or are receiving Centrelink, we may still be able to pair you with a lender. In addition, Monzi may also find lenders offering medium and large personal loans of up to $10,000.

Looking for loans under $2,000? You may be eligible for payday loans.

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’ small loans range.

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. You might not be offered a loan.

Loans Australia: find lenders with Monzi

Monzi Loans caters to Aussies looking for small quick finance nationwide. In short, Monzi makes applying for loans easy.

We may find a top-notch lender to provide personal loans for lacklustre credit history 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 secured personal loans from $2,100 to $10,000.

Reasons to apply

There are so 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 may 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.

Microloans are up to $2,000 and usually come with a 12 month repayment term. Therefore, you can access your cash now and spread your repayments over several months.

Keep in mind, no paperwork is required to apply. In addition, Monzi may find you a lender that might provide an instant loan outcome.

If your application is approved, lenders will be in contact. In addition, your lender will show you how repayments on small amount loans work.

Can you find me small loans no credit check?

Often, people who search for loans with no credit check are concerned about their poor credit history. Therefore, these borrowers may be inclined to apply for no credit check payday loans. Conducting credit checks, however, may be part of a lender’s assessment policy.

As we are only the lender-finder, Monzi cannot guarantee you will be offered a no credit check loan. However, please understand Monzi works with lenders who are prepared to look beyond your credit rating. In other words, lenders will prefer to look at your current relationship with money. Specifically, lenders consider your regular income, expenses and banking history before providing an outcome.

Our partners are true professionals. As such, they will take all relevant factors into account to determine your suitability towards payday loans in Australia.

What is a small cash loan?

Small cash loans from Monzi’s network of lenders are unsecured 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 loans for poor credit of up to $2,000. On the other hand, 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 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 loans fast

Monzi’s lender-finder service can really fast-track applying for a small loan.

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 lender will first assess your application and get in contact if they can make you an offer.

4. Consuemers will deal with their lender directly from here on in.

The loan slider shows you how small loan repayments might look. These are, however, just examples. The actual cost of your loan may vary depending on the lender you’re paired with.

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. Also, you may be able to apply for a bank loan in a branch. Generally, however, you’ll need good credit history to qualify for a personal loan from a bank.

On the other hand, you could apply through short term lender. Short term lenders often have more lenient assessment criteria and faster processing times. You may have access to loans the same day you approve the contract. This is, however, dependent on the lender and your own circumstances.

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.

Are you looking for information about other options available to you? Consumers could potentially apply for medium.

How can I get approved for a small loan?

Credit providers are required to lend money responsibly. Specifically, lenders will look to confirm your repayments will fit comfortably within your normal budget.

Please note, Monzi is not a credit provider. As a result, it is up to the lender themselves to approve or decline your application. Plus, 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.

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 small personal loan, which are becoming increasingly popular in Australia. The demand is no accident: people apply online, get an outcome fast.

Who is eligible to apply?

To apply, you need to be over 18 and a Citizen or Permanent Resident of Australia. Plus, you need a valid mobile number and email address. Finally, must have been receiving a regular income for the past 90 days or more into a personal bank account.

Keep in mind, qualifying to apply does not guarantee approval.

Can Monzi help me find quick small loans with no credit check?

Are you concerned that your poor credit history will ruin your chances of approval? In this case, you may find yourself looking for loans no credit check. No credit check lenders will base their assessment on your income and expenses, not your credit score.

As 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 may feel almost 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.

Can we find lenders offering small loans bad credit?

Monzi works with certain lenders that may offer loans for people with bad credit. See both Monzi and the lenders we work with believe in second chances.

Therefore, if you 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 service is completely free; match or no match, you’ll never pay a cent. In addition, you can cancel at any time without incurring a cost.

When you apply with Monzi Loans, we search through our network of lenders to try and find an available credit provider. As each lender is a separate company, however, Monzi cannot guarantee what the cost of your loan will be.

Ultimately, the cost of your loan will be determined by your lender, as well as how much you borrow. Keep in mind, lenders may also charge establishment and monthly fee.

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. In addition, we recommend that you look at the costs page of the proposed lender. If you have questions regarding the terms of your loan, you’ll need to get in contact with your lender directly.

Micro loans – fast outcomes shouldn’t be a problem

Forget endless online searches, and annoying phone calls and meetings. Essentially, these are the benefits of applying with Monzi. Put simply, applications through Monzi are more convenient.

Consumers can lodge an application from any internet-capable device. In addition, our automated system is able to digitally access a lot of the information we need.

We will also need to confirm a few personal details, and MyGov login details if you are receiving Centrelink benefits. Also, 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 repayments are automatic.

What is the smallest loan I can get?

The minimum loan amount you can apply for through our site is $300. Moreover, this amount may be ideal for covering an urgent bill or other minor expense. If, however, you are looking an amount smaller than $300, you may need to look elsewhere.

Luckily, certain lenders may be able to offer loans as small as $100. Just make sure you understand all the terms and conditions before applying with these lenders.

Lenders that understand

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.

Ideally, get in contact with your lender 24 hours before your payment is due.

We welcome your feedback on our service?

Please feel free to provide constructive criticism if you have any issues with our lenders or services. To inform Monzi of any problems or questions you may have, you can contact our customer service team at

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 are able to access your information when assessing your application. In addition, Monzi is powered by McAfee and Comodo, so your data is always kept safe, secure and encrypted.

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.

Our network of lenders can potentially offer bond loans, payday loans alternatives and travel loans.

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 should not be offered a loan you cannot afford.

To find out more, you can access a full copy of the guidelines 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. We recommend calling a free financial counsellor at 1800 007 007 if you have debt problems. This professional service can explain how loans work and suggests a course of action.

Keep in mind you have options for managing bills outside of micro loans. If you’re having trouble paying your utility bills, talk to your gas, electricity or water provider. Hopefully, your utility provider suggests other options available to you.

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

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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.