Need Cash Today?
Your Match = Your Best Chance of Approval Today.
Apply for a Quick Loan Today — Get Matched in Under 60 Seconds
Total repayable: —
*Amounts shown are estimates
At a Glance: Cash Today Loan Summary
- 💰 Borrow from $400 to $80,000
- ⏱️ Get matched with the lender that is most likely to approve you, in under 60 seconds
- 🧾 Check your eligibility with no impact on your credit score
- 🚀 Funds may arrive in as little as 60 minutes (after approval and financial assessment)
- ✅ No credit check & Centrelink loans
⭐ Rated 4.9/5 from 4,485+ Aussies | 🏆 Award-winning technology | 🔒 Bank-grade security for fast, safe approvals
⭐ Rated 4.9/5 from 4,485+ Aussies
🏆 Award-winning technology
🔒 Bank-grade security for fast, safe approvals
What is Cash Today?
Cash Today is a trusted Australian credit service provider. We help match you with the right loan – fast. Whether you need $400 for an emergency or $25,000+ for a major life event, we connect you with competitive, tailored loan offers – all obligation-free.
We use the information that you give us to find the lender with the highest chance of approving your application, saving you time.
How Do Cash Today Loans Work?
- 📝 Apply online in under 5 minutes
- 🔍 Get matched with the lender most likely to approve your loan, selected from over 60 lenders
- 💡 View your personalised offer & interest rate
- ✅ Accept your offer & verify your details securely
- 🚀 Receive your funds — often within 60 minutes of approval
When you apply through Cash Today, you don’t waste time sending applications to lenders who might decline you.
Instead, our smart-matching system scans a panel of over 60 lenders and connects you with the one most likely to say yes — based on your credit, income, and financial history. If you’re a match, you’ve essentially pre-qualified.
You’ll be shown personalised loan options upfront — including the interest rate, fees, and repayment terms — with no hidden costs or surprises.
Reviewing your offer is completely obligation-free and won’t affect your credit score. A credit check will only be run after you’ve chosen to proceed (if required by the lender) and doesn’t apply to no credit check loans.
Am I Eligible?
To qualify for a Cash Today loan, you’ll need:
- Proof of Australian residency (e.g. utility bill)
- Government-issued ID (18+ years old)
- Online read-only access to 90-day bank statement
- Stable income and affordable repayment capacity
💡 No impact on your credit score to check your eligibility.
| Loan Type | Amount | Term | Credit Check |
|---|---|---|---|
| Second Chance | $500 | 1–12 months | No |
| SAAC Loan | $500–$2,000 | 1–12 months | Yes |
| MAAC Loan | $2,001–$5,000 | 3–24 months | Yes |
| Personal Loan | $5,001–$80,000 | 3–84 months | Yes |
Common Reasons to Apply
You might consider finding a loan with Cash Today if you need funds for:
- Car repairs or urgent bills
- Vet or medical expenses
- Replacing appliances or whitegoods
- Moving house or paying bond
- Travel, events, or last-minute flights
When life happens and you need access to extra funds that same day, you might not have time to research and compare multiple lenders yourself. If your priority is getting approved and paid quickly, we can help.
Frequently Asked Questions
Q: Can I get a loan today?
If approved, funds may be transferred to your account within 60 minutes via instant bank transfer.
Q: What if I have bad credit?
We can match you with lenders that do not require a credit check to approve your loan and/or accept Centrelink income, and provide the loan amount limit you could qualify for.
We also offer $500 second chance loans with no credit check — ideal to help rebuild your credit.
Q: Is Cash Today a payday lender?
No. We provide responsible alternatives to payday loans with clearer terms and more flexible repayments.
Q: Does checking eligibility affect my credit score?
No. It’s obligation-free and won’t appear on your credit file.
Q: Are there any hidden fees or charges?
No. You can use our repayment calculators before you apply, so you’ll know what to expect. Once we match you with a lender, you’ll see your unique loan contract with all of the costs clearly displayed for you to review before accepting, no nasty surprises.
Why Choose Cash Today?
- ✅ We’ve been helping Australians since 2006
- 🔍 We work with over 60 trusted lenders
- 👩💻 Real people assess your application
- 💸 Transparent rates, no hidden fees
- 🛠 Tailored options to suit your needs
🏆 Trusted Technology, Proven Results
Cash Today partners with lenders using state-of-the-art loan application technology, helping match you with the most suitable loan option — faster than ever. This includes:
- Advanced loan-matching systems
- Access to over 60 banks and non-bank lenders
- Secure online bank statement verification
- Online credit checks (when required)
This lending technology has earned national recognition:
⭐ 4.9/5 rating based on 4,485+ customer reviews
🏅 WeMoney Award Winner – 2023
🌟 Canstar Outstanding Value – Excellent Credit – 2022
🏆 Money Magazine Winner – 2021
📲 Ready to Get Started?
It takes less than a minute to see your options — no commitment, and it won’t affect your credit score.
Help Centre
Information & FAQs
Need help understanding how our loans work, how to get our lowest loan rates, or how to get approved?
Our best loan rates
Competitive rate loans & fees from
$5,000 – $80,000
Plus responsible alternatives to payday loans for urgent loans up to $5,000
Rates and Fees
Simple & transparent fees structures
We offer an individualised application process to ensure borrowers with strong financial history, including a good credit score, stable income, savings, low debt-to-income ratio, and valuable assets, receive the best rates.
Larger loans
Up to $80,000
| Large loans (personal) | |
| Loan amounts | $5,001 – $80,000 |
| Loan term | 3 – 7 years |
| Establishment fee | $310-$1035 |
| Monthly fee | $0 |
| Interest rate | 7.24% – 19.99% |
Medium loans
Up to $5,000
| Medium loans (MAAC) | |
| Loan amounts | $2,001 – $5,000 |
| Loan term | 3 – 24 months |
| Establishment fee | $400 |
| Monthly fee | $0-$18 |
| Interest rate | 19% – 48% |
Small loans
Up to $2000
| Small loans (SAAC) | |
| Loan amounts | $500 – $2,000 |
| Loan term | 1 – 12 months |
| Establishment fee | 20% |
| Monthly fee | 4% |
| Interest rate | N/A |
Second chance loans
$500 with no credit check
| Second chance loans (SAAC) | |
| Loan amounts | $500 |
| Loan term | 1 – 12 months |
| Establishment fee | 20% |
| Monthly fee | 4% |
| Interest rate | N/A |
Rates and Fees
Simple & transparent fees structures
We offer an individualised application process to ensure borrowers with strong financial history, including a good credit score, stable income, savings, low debt-to-income ratio, and valuable assets, receive the best rates.
Larger loans
Up to $80,000
| Large loans (personal) | |
| Loan amounts | $5,001 – $80,000 |
| Loan term | 3 – 7 years |
| Establishment fee | $310-$1035 |
| Monthly fee | $0 |
| Interest rate | 7.24% – 19.99% |
Medium loans
Up to $5,000
| Medium loans (MAAC) | |
| Loan amounts | $2,001 – $5,000 |
| Loan term | 3 – 24 months |
| Establishment fee | $400 |
| Monthly fee | $0-$18 |
| Interest rate | 19% – 48% |
Small loans
Up to $2,000
| Small loans (SAAC) | |
| Loan amounts | $500 – $2,000 |
| Loan term | 1 – 12 months |
| Establishment fee | 20% |
| Monthly fee | 4% |
| Interest rate | N/A |
Second chance loans
$500 with no credit check
| Second chance loans (SAAC) | |
| Loan amounts | $500 |
| Loan term | 1 – 12 months |
| Establishment fee | 20% |
| Monthly fee | 4% |
| Interest rate | N/A |
Why Cash Today?
Responsible lending practices
Borrow Smart, Repay with Confidence
Only borrow what fits your budget, with transparent rates and fees for informed financial decisions
Personalized Rates, Tailored Solutions
Get a loan rate that reflects your unique financial situation and saves you money
Your Credit Story, Your Rate
We consider more than just a credit score to offer you a competitive rate, and rewards great credit scores
Rates as Unique as You Are
Individual circumstances, individual rates – check your rate today obligation free in just a few minutes
Tailored Financing Solutions
Quick Fixes to Long-Term Plans: We offer a range of options to fit your needs. Pay your loan back your way.
Check Eligibility Easily
See if you qualify without any impact on your credit score, then decide if you want to apply
How it works
Information
Fees & charges >>
Required documents >>
Approval >>
Getting paid >>
Repaying the loan >>
Loan amount
Decide whether you would like a small loan of $1000, SAAC loan up to $2000, MAAC loan up to $5000, or personal loan up to $10,000, $25,000, or more.
Required
- Proof of Australian residency (utility bill) and regular income
- Driver’s licence or other identification (over 18 years of age)
- A read-only 90-day banks statement (via online bank verification)
- Credit check
- Repayment affordability can be established
- No direct debit dishonour transactions in bank statements
Match with a lender
After applying, your result will be shown within 60 seconds. If approved & you accept, money could be deposited into your bank account in as little as an hour.
Fees & charges
Personal loans will have varying interest rates depending on whether the loan is secured/unsecured, amount, and your financial situation.
Loans $25,000 - $80,000
Step 1: Select the loan type and amount
Step 2: Compare different loan rates from panel of over 60 lenders and choose your loan
Step 3: Provide your details
Step 4: Receive your provisional approval decision and loan rate (within 60 seconds)
Step 5: If the loan terms are acceptable, proceed with the loan application
Step 6: Review loan terms & accept lender offer – either on screen or via email
Step 7: Authorise a read-only 90 day bank statement verification
Step 8: Lender assessment – additional documents or information may be requested, as well as a credit check (typically 24-48 hours, but can be within a few hours if no additional information is needed)
Step 9: Same day payment is processed for approved loan offers accepted before 2 pm AEST
Loans $5,001 - $25,000
Step 1: Provide your details and select the loan amount and reason
Step 2: View your loan interest rate offer and provisional approval decision (within 60 seconds)
Step 3: If the loan terms are acceptable, proceed with the loan application
Step 4: Review loan terms & accept lender offer – either on screen or via email
Step 5: Authorise a read-only 90 day bank statement verification
Step 6: Lender assessment – additional documents or information may be requested, as well as a credit check (typically 24-48 hours, but can be within a few hours if no additional information is needed)
Step 7: Same day payment is processed for approved loan offers accepted before 2 pm AEST
Loans up to $5,000
Step 1: Provide your details and select the loan amount and reason
Step 2: Authorise a read-only 90 day bank statement verification
Step 3: Receive your provisional approval decision (within 60 seconds)
Step 4: Review the loan terms & accept lender offer – either on screen or via email
Step 5: Final lender assessment, including a credit check
Step 6: Same day payment is processed for approved loan offers accepted before 2 pm AEST
Breaking the Cycle
Beyond the Quick Fix: Safe Loan Options and Resources for Informed Decisions
Short Term Loan Traps: Recognizing Risky Options
While payday loans might seem like a quick and easy fix, they can be a potential debt trap. High establishment fees and ongoing charges quickly inflate the cost of borrowing. The short repayment terms can strain your budget, making it difficult to repay on time and leading to even more fees.
Additionally, payday lenders often have minimal eligibility requirements and may not consider your ability to repay, potentially pushing you to borrow more than you can afford and sinking you deeper into debt.
Finding Safe Alternatives to Payday Loans
Unlike payday loans, SAAC & MAAC Loans offer a safe and responsible path to managing your finances. These government-backed loans come with longer repayment terms, giving you more breathing room to repay comfortably. SAAC & MAAC lenders assess your financial situation to ensure the loan amount is manageable for your budget.
They also offer flexible repayment options and may even waive fees in cases of hardship. This responsible approach helps you avoid the debt trap of payday loans and provides a sustainable way to address your financial needs.
Explore Our Loan Options
- Second chance loans
- Centrelink and low income loan options
- Financial counselling & budgeting
Second chance loans
$500 no credit check loans
Second Chance Loans
If you would like to improve your credit rating you might consider a Cash Today second chance loan.
This is a small no credit check loan of $500 which can help you to improve your credit rating if you make your repayments on time.
You may be able to be approved if you have stable income, your regular income vs. expenses allows for you to comfortably afford the repayments, and your 90 day bank statements display no disqualifying conditions.
This is the only kind of no credit check loan that we offer, and all loan amounts higher than $500 will involve a credit check.
Centrelink and low income loan options
No Interest Loan Scheme (NILS)
Borrow up to $2,000 for essential purchases interest free and with no credit check required
To qualify you need to:
- Have a Health Care Card/Pension Card or be on a low income
- Have lived at your current residence at least 3 months
- Be able to make the repayments
Arrange a meeting with a NILS service provider to complete your loan assessment and work out how much you can afford to repay.
This usually takes between 45 and 90 minutes, and loan approvals can take up to 2 weeks depending on the provider.
If you are entitled to government benefits, it may be possible to request a cash advance from Centrelink
Financial Counselling & Budgeting
- The Government website MoneySmart is an invaluable resource to assist with financial counselling, budgeting, saving for an emergency fund, and assistance with paying bills.
- Get information about other options for managing your unexpected bills or debts by calling 1-800-007-007 from anywhere in Australia to talk to a free and independent financial counselor.
- Speak directly to your service provider to see if you can work out a payment plan if you aren’t able to pay your bills on time.