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Cash advance loans
Payday loans to get you through until your next pay cheque and prevent paying late fees
Unexpected bills
Helping you cover emergency expenses or unforseen bills when you need it
Get ahead
Making sure you don’t miss out on an opportunity you just can’t say no to
Replacements and Repairs
Quick cash for car repairs, replacing appliances, or fast upgrades
Calculate Your Repayments
Like thousands of others since 2006, you can count on Cash Today for speedy funds to help out with an emergency, unexpected bill, or opportunity you just can’t miss!
Establishment Fee:
Monthly Fee:
Looking for loan amounts up to $5000?
Payday Loans | How it works
1. Decide on the loan amount you would like
You can use our handy repayment calculator above to help you work out how much to borrow with our payday loans Australia.
2. Complete our easy online application
Click “Apply Now” to submit our simple online application form for our small fast loans
3. Check your email inbox
Follow a few steps to activate your account with the code and password we send out to you
4. Get approved
Within hours you’ll find out if you have been approved. You can also login and check at any time
5. Get your money
Once you’re approved, we will electronically deposit the money directly into your bank account that evening if your application was made before 2pm AEST for cash loans Australia
It really is that easy!
What Our Customers Are Saying
CASH ADVANCE
A cash advance is generally a small loan less than $500 that is repayed within weeks rather than months. Also, you follow the same quick online application process, however you may get a speedier approval. This is because the amount borrowed is smaller.
For instance, a cash advance might cover a bill you weren’t counting on. This might be a trip to the dentist. An unexpected vet bill. Perhaps a last minute trip. So when the unexpected happens, it’s great to know that you can apply 24/7, and get a response quickly, with cash payment paid into your bank account fast.
PAYDAY LOAN
Are you wondering what a payday loan is? If so, then we can help clear that up for you. It is a type of unsecured personal loan that are used for the short term in the event of financial shortfall. In other words, where extra funds are needed quickly. Our payday loans range from $200 to $5000. The repayments are made at regular intervals. This is usually on the same day as your employer makes payment of wages into your bank account.
A perfect credit rating is not compulsory. We do offer no credit check payday loans. Cash Today understand that you are more that your credit rating. We do also have options for payday loans with Centrelink income.
EMERGENCY LOAN
Sometimes you can plan for an emergency, and sometimes you can’t. For instance, your car breaking down, replacing a phone with water damage, or paying to fix a costly water leak. Whatever your emergency you can count on Cash Today for fast approval and cash deposited into your account just when you need it.
Should I apply for a payday loan?
Applying for a cash loan should be a decision that you consider carefully. There are fees charged, and it’s a good idea to look at other options first before considering a payday loan. There may be other ways that can help with managing bills and debts.
Check your options before you borrow:
- 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.
- If you are entitled to government benefits, it may be possible to request a cash advance from Centrelink.
The Government website MoneySmart is an invaluable resource explaining how small amount loans work and you can view other suggestions that may help you.
Do you offer no credit check payday loans?
We understand that you are more than just your credit rating. For those that either have a bad credit rating, or poor/no credit history we do offer no credit check payday loans for amounts up to $600.
We have an alternative method in these cases. This involves basing your application on more than just your credit history. Firstly, we will assess 90 days of bank statements and look for regular income into your bank account from your employer and/or Centrelink. Secondly, we will consider this against outgoing expenses. This helps us see the bigger picture and to make a decision on your application.
The loan amount offered may differ depending on your individual circumstances, but we love helping out Australians in a bind. We are happy to accept applications without requesting your credit report.
What is a payday loan and what is their use?
A payday loan is an online loan that you can complete quickly that offers short term cash. An example could be for you to use to pay for for unexpected expenses or emergencies. These types of short term loads are ideally used only if other alternative options are not possible, as there are fees charged on the principle amount.
In conclusion, they are named payday loans because the idea is that you use a small loan amount to pay for expenses that arise before your next pay cheque. So then you would use your pay cheque cash to repay the loan amount. It is designed to offer a temporary solution for getting cash fast. It can be helpful in order to avoid late fees, cancelled services, or missed opportunities.
Frequently asked questions
Why would I need a short term loan?
Sometimes despite your very best budget planning, you get hit with an unforeseen bill. Perhaps you need cash to take care of an emergency, or an opportunity comes up and you just can’t let it pass you by. You may need some extra cash within 24 hours. In this case, you don’t want the hassle and stress of long application times and piles of paperwork.
Unexpected expenses
Unexpected expenses can arise even with the best budgeting and planning strategies. Perhaps you need a loan for medical expenses like emergency dental work, or your electricity bill was higher than expected, plus the bill came for your car registration all in the same week! Maybe you’ve been tracking along well with your finances and then had an appliance break down. Replacing a white goods product like a fridge, dishwasher, or washing machine can be tricky to cover when you are on a budget.
It could be that your renovation budget has blown out, and you need to cover the difference to get the home project complete. What about those opportunities that would save you money long term but you don’t have the funds on hand to take advantage on short notice? This could be something like a sale on flights or accommodation for that overseas holiday you had planned. Another example could be moving expenses – you are paying bond, paying rent in advance, or hiring a moving truck. There are so many reasons why being able to borrow with a small or medium loan could help you out when you need cash fast.
So what are your options? Cash advances on credit cards come with hefty fees, and you may feel uncomfortable borrowing from family or friends. If you have been searching for instant approval loans because you need cash today, a small online payday loan might be an option you are considering. Quick easy loans, in just minutes.
Will I get approved for a payday loan?
Wondering about our lending requirements for cash loans, or payday loans? To be approved for a loan you must meet the following requirements. Firstly, you must be an Australian resident over the age of 18. Secondly, you must be employed (or receiving Centrelink benefits in some cases), and have your income paid regularly into your bank account.
Thirdly, applications for cash loans in Australia will consider your credit history. Bad credit may prevent us from being able to approve payday advance loans in Australia. We do offer no credit check loans with smaller loan amounts if you have a bad credit rating or no credit rating. Centrelink loans are also an option depending on individual circumstances.
We love helping out Australians in a bind, but also we take our standards as a responsible lender seriously. If you aren’t sure that you can comfortably make repayments for your online payday loan, you can read our warning against borrowing here.
What documents do I have to provide for cash loans Australia?
There are certain documents that you will need to provide to use in order to confirm that you meet our eligibility criteria. If this is your first time applying with us firstly, we will need to verify your identity and income in order to process any cash loans online. Secondly, 90 days worth of bank statements will be needed. We will ask for a copy of your drivers license plus a utility bill that shows your current address as part of the payday loans application process.
Looking for personal loans online instant approval no credit check? We do offer options for no credit check payday loans with approvals within hours.
Are Cash Today payday loans right for me?
We help hundreds of people every year get access to fast cash when they need it. That’s because we understand that sometimes life is unpredictable!
Before applying for a loan with us, make sure you have explored all of your options. For example you could take another look at your budget, request free financial counselling, or there may be the option for a payment advance from Centrelink if you receive government benefits.
How much does it cost?
Our loans have the following simple fee structure:
20% of principal amount (establishment fee)
+ 4% of principal amount per month
What is your renewal policy?
Cash Today does not offer to renew or refinance loans.
We understand that despite your best intentions, circumstances can change and you might have problems making your repayments. In this case, it’s important that you speak with us and let us know what the problem is so that we can work with you to help you meet your obligations. If you do miss a payment or your direct debit fails, you may be charged additional fees or we may take further action. You can view our procedures for non-payment here.
Are quick easy loans a good choice?
The world that we live in today is fast paced, and so when you need cash, you generally need it quickly. With Cash Today it’s simple to see if borrowing would be in your best interest. You can use our repayment calculator to see how much the fees and charges would be for the amount that you are considering borrowing. You can also see what your total repayment amounts would be. This can help you work out if applying would be a smart financial decision for you. If you can easily afford to repay the amount borrowed, accessing a short term advance would be less stressful than tightening your budget, and you have 5 minutes spare to complete the online application, Cash Today could be just what you’ve been looking for.
About Cash Today
We have been offering short-term credit contracts to Australians since 2006. We operate under the Australian Credit License No: 387137. We are dedicated to offering easy loans quickly but do so only if loan applications are in line with our criteria for responsible lending and the National Consumer Credit Protection Act 2009. You can read more about this here.
While it can be tempting to look to instant approval loans when you need cash today, we want to make sure that our online loans are the right fit for our customers. In automating systems some applications could be declined unnecessarily, such as explainable data from bank statements. Our online application form approvals are done by real people so you can be assured that the application process will take into consideration the most important information for your personal loan.
We are happy to be able to offer a loan status within just a few hours of receiving an completed application form within business hours as well as a full summary of fees and charges, and we have hundreds of happy returning customers because of our more personal approach to lending and reputation as a responsible lender.