Need Cash Today?

Your Match = Your Best Chance of Approval Today.

Apply for a Quick Loan Today — Get Matched in Under 60 Seconds

Monthly repayment:
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

4.9 out of 5 star 4485+ reviews
outstanding customer service award
Canstar 2022 award
Money Magazine Personal Loan Award 2021

4.9 star out of 5 for 2285 reviewsoutstanding customer service award

outstanding customer service awardCanstar 2022 award  outstanding customer service awardwe money winner badgeMoney Magazine Personal Loan Award 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? 

Get help here

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.

 

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

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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

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

How much do you need to borrow?