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.

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.

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 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 unexpected expenses or emergencies. These types of short-term loans are ideally used only if other alternative options are not possible, as fees are charged on the principal amount.

In conclusion, they have been 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.

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.

Sometimes you can plan for an emergency, and sometimes you can’t. For instance, your car breaking down, replacing a phone that was damaged, or paying to fix a costly water leak. Whatever your emergency there are times when you need to pay a bill ASAP, and you can count on Cash Today for fast approval and cash deposited into your account just when you need it.

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 $500.

If you are also receiving Centrelink, pension, or government benefits as income read this first. 

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.

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.

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 cash 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.

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 loans with approvals within hours.

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.

Our loans under $5000 have the following simple fee structure:
20% of principal amount (establishment fee)
+ 4% of principal amount per month

Loans for amounts higher than this will have varying fees and interest, based on the amount, the type of loan (secured, unsecured), and your individual circumstances.

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.

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.

The world that we live in today is fast-paced, and so when you need cash, you generally need it quickly. With Cash Today, seeing if borrowing would be in your best interest is simple. 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 determine if applying would be a smart financial decision. 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.