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
Read about the rates and fees for each the different Cash Today loan types available, and learn how to access the lowest possible loan rates from our panel of over over 60 lenders.
Rates & Fees
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How to get lowest loan rates
Simple loan rates at a glance
Competitive Rate Loans: $5,000 – $80,000
Urgent loans: $1000 – $5000
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Before you check the rates and fees below, there are a few things you should know.
Healthier financial history = access to lower loan rates
- Our competitive personal loan rates are between 7.24% – 19.99%
- The loan rate that you are offered will be dependent on your individual circumstances, loan amount, and the type of loan
- For example, a secured car loan is likely to have lower rates than an unsecured loan with a vague purpose
Great
Good chance of approved for a loan. Likely to qualify for a loan with lowest rates.
Characteristics:
- Credit score: Good (above 600)
- Stable employment or income with clear repayment affordability
- Low Debt-to-Income Ratio (well below 36%)
- Positive Savings History
- Minimal existing loans
- No disqualifying conditions.
OK
May be approved for smaller loan amounts, loan rates may be higher.
Characteristics:
- Credit score: Ok (above 400)
- Recent job changes/ gaps in employment but clear repayment affordability
- Debt-to-Income Ratio approaching 36%
- No new loans in the last 90 days
- No disqualifying conditions.
May not be suitable
Unlikely to approved for a loan over $1,000 or qualify for lower loan rates.
Characteristics:
- Credit score: Low (less than 400) or none
- May have a high debt-to-income ratio (DTI) above 36% or significant outstanding debts
- May have a history of unemployment or frequent job changes
- No disqualifying conditions.
Automatically declined
Will not be approved for a loan.
Characteristics:
- Displays one or more disqualifying conditions.
- Unable to afford repayments
- No regular income
- Risky debt-to-income ratio (DTI) above 60%
Consider improving your financial health and applying at a later date.
No obligation eligibility check, with no impact on your credit record
Note: Our urgent same-day loans up to $5,000 have a different fee structure to the competitive loan rates that are shown above.
At a glance
Simple loan rates & fees
View our simple rates and fees, and then continue reading below to work out repayments and total costs for different amounts and terms.
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 |
*Please note that the figures shown are indicative only and may not include all fees and charges. All applications are subject to assessment.
Competitive personal loan examples
$5,000 – $80,000
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.
Which of the loan terms below would suit your needs best?
- Pay it off faster – 3 years
- Balanced approach – 5 years
- Affordable repayments – 7 years
Applicant: Good
Best rate: 7.24% p.a.
A strong financial profile – demonstrated by a good credit history, consistent income, and manageable debt – qualifies you for the most favourable loan rates.
Pay it off faster
3 year loan term
Interest: 7.24%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $12,605* |
| $25,000 | $30,119* |
| $80,000 | $91,808* |
Repayments
- $10,000 loan:
Monthly repayments are $338.14, weekly repayments are $79.53 - $25,000 loan:
Monthly repayments are $676.27, weekly repayments are $159.07 - $80,000 loan:
Monthly repayments are $2,028.80, weekly repayments are $476.20
Balanced approach
5 year loan term
Interest: 7.24%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $13,502* |
| $25,000 | $32,262* |
| $80,000 | $98,338* |
Repayments
- $10,000 loan:
Monthly repayments are $222.60, weekly repayments are $52.44 - $25,000 loan:
Monthly repayments are $556.50, weekly repayments are $131.12 - $80,000 loan:
Monthly repayments are $1,718.80, weekly repayments are $404.70
Affordable repayments
7 year loan term
Interest: 7.24%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $14,438* |
| $25,000 | $34,497* |
| $80,000 | $105,152* |
- $10,000 loan:
Monthly repayments are $135.23, weekly repayments are $31.33 - $25,000 loan:
Monthly repayments are $338.08, weekly repayments are $78.82 - $80,000 loan:
Monthly repayments are $845.20, weekly repayments are $197.60
*Please note that the figures shown are indicative only and do not include other fees and charges such as broker fee, or late fees. All applications are subject to assessment.
Applicant: Ok
Best rate: 12% p.a.
Applicants with an imperfect financial position may be considered slightly higher risk and may not qualify for the lowest rate loans available.
Pay it off faster
3 year loan term
Interest: 12%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $13,512* |
| $25,000 | $32,284* |
| $80,000 | $98,407* |
Repayments
- $10,000 loan:
Monthly repayments are $444.86, weekly repayments are $104.68 - $25,000 loan:
Monthly repayments are $1,112.15, weekly repayments are $260.71 - $80,000 loan:
Monthly repayments are $3,436.46, weekly repayments are $808.23
Balanced approach
5 year loan term
Interest: 7.24%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $15,082* |
| $25,000 | $36,036* |
| $80,000 | $109,843* |
Repayments
- $10,000 loan:
Monthly repayments are $288.46, weekly repayments are $67.74 - $25,000 loan:
Monthly repayments are $721.15, weekly repayments are $168.87 - $80,000 loan:
Monthly repayments are $1,794.89, weekly repayments are $421.17
Affordable repayments
7 year loan term
Interest: 7.24%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $16,756* |
| $25,000 | $40,036* |
| $80,000 | $122,037* |
Repayments
- $10,000 loan:
Monthly repayments are $205.83, weekly repayments are $48.13 - $25,000 loan:
Monthly repayments are $514.58, weekly repayments are $120.76 - $80,000 loan:
Monthly repayments are $1,286.45, weekly repayments are $301.83
*Please note that the figures shown are indicative only and do not include other fees and charges such as broker fee, or late fees. All applications are subject to assessment.
Applicant: May not be suitable
Best rate: 19.99% p.a.
It may not be in your best interests to apply for a personal loan at this stage, as you are unlikely to be approved. If you are approved, it may only be for loans at higher interest rates. If a loan becomes necessary down the road, building a strong credit history through responsible financial management can unlock better loan terms in the future.
Pay it off faster
3 year loan term
Interest: 12%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $15,116* |
| $25,000 | $36,118* |
| $80,000 | $110,093* |
Repayments
- $10,000 loan:
Monthly repayments are $504.23, weekly repayments are $117.32 - $25,000 loan:
Monthly repayments are $1,260.57, weekly repayments are $294.53 - $80,000 loan:
Monthly repayments are $3,151.42, weekly repayments are $737.86
Balanced approach
5 year loan term
Interest: 12%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $17,959* |
| $25,000 | $42,911* |
| $80,000 | $130,799* |
Repayments
- $10,000 loan:
Monthly repayments are $283.46, weekly repayments are $66.23 - $25,000 loan:
Monthly repayments are $708.65, weekly repayments are $166.05 - $80,000 loan:
Monthly repayments are $1,771.63, weekly repayments are $413.24
Affordable repayments
7 year loan term
Interest: 12%
Establishment fee: $310-$1035
Monthly fee: $0
| Loan amount | Total cost |
| $10,000 | $21,072* |
| $25,000 | $50,350* |
| $80,000 | $153,744* |
Repayments
- $10,000 loan:
Monthly repayments are $224.14, weekly repayments are $52.59 - $25,000 loan:
Monthly repayments are $560.35, weekly repayments are $131.37 - $80,000 loan:
Monthly repayments are $1,400.88, weekly repayments are $329.17
*Please note that the figures shown are indicative only and do not include other fees and charges such as broker fee, or late fees. All applications are subject to assessment.
Urgent loans
Small loan examples
If you want to understand how much the repayments would be for a small loan, and the total cost of the loan, we’ve got you covered. Select different loan terms and amounts below to work out which loan structure would work best within your budget for comfortable repayment affordability.
Which of the loan terms below would suit your needs best?
- Pay it off faster – 3 months
- Balanced approach – 6 months
- Affordable repayments – 12 months
Fees
$500 loan: $100 establishment fee, $20 monthly fee
$1,000 loan: $200 establishment fee, $40 monthly fee
$2,000 loan: $400 establishment fee, $80 monthly fee
Pay it off faster
3 month loan term
| Loan amount | Total cost |
| $500 | $660 |
| $1,000 | $1320 |
| $2,000 | $2640 |
Repayments
- $500 loan:
Monthly payments are $220, weekly repayments are $50.76 - $1000 loan:
Monthly payments are $440, weekly repayments are $101.53 - $2000 loan:
Monthly payments are $880, weekly repayments are $203.07
Balanced approach
6 month loan term
| Loan amount | Total cost |
| $500 | $720 |
| $1,000 | $1440 |
| $2,000 | $2880 |
Repayments
- $500 loan:
Monthly payments are $120, weekly repayments are $27.69 - $1000 loan:
Monthly payments are $240, weekly repayments are $55.38
- $2000 loan:
Monthly payments are $480, weekly repayments are $110.76
Affordable repayments
12 month loan term
| Loan amount | Total cost |
| $500 | $840 |
| $1,000 | $1680 |
| $2,000 | $3360 |
Repayments
- $500 loan:
Monthly payments are $70, weekly repayments are $16.15 - $1000 loan:
Monthly payments are $140, weekly repayments are $32.30 - $2000 loan:
Monthly payments are $280, weekly repayments are $64.61
*Please note that the figures shown are indicative only and may not include all fees and charges. All applications are subject to assessment.
Medium loan examples
Want to understand the repayment amounts for a medium loan, as well as the total cost of the loan? Select from the different loan terms and amounts below to work out which structure would fit you best.
Which of the loan terms below would suit your needs best?
- Pay it off faster – 6 months
- Balanced approach – 12 months
- Affordable repayments – 24 months
Fees
$400 establishment fee, $0-18 monthly fee
Applicant: Good
Best rate: 19% p.a.
Strong credit, steady income, and a low debt burden signal lower risk to lenders. This translates to better loan rate options made available to applicants able to demonstrate a good financial track record.
Pay it off faster
6 month loan term
Interest: 19%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $3583* |
| $4,000 | $4818* |
| $5,000 | $5913* |
Repayments
- $3,000 loan:
Monthly repayments are $598.16, weekly repayments are $137.80 - $4,000 loan:
Monthly repayments are $803, weekly repayments are $185.30 - $5,000 loan:
Monthly repayments are $985.5, weekly repayments are $227.42
Balanced approach
12 month loan term
Interest: 19%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $3760* |
| $4,000 | $4866* |
| $5,000 | $5972* |
Repayments
- $3,000 loan:
Monthly repayments are $$313.33, weekly repayments are $78.33 - $4,000 loan:
Monthly repayments are $405.50, weekly repayments are $101.38 - $5,000 loan:
Monthly repayments are $497.67, weekly repayments are $124.42
Affordable repayments
24 month loan term
Interest: 19%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $4113* |
| $4,000 | $5323* |
| $5,000 | $6533* |
Repayments
- $3,000 loan:
Monthly repayments are $171.38, weekly repayments are $42.84 - $4,000 loan:
Monthly repayments are $221.83, weekly repayments are $55.46 - $5,000 loan:
Monthly repayments are $272.29, weekly repayments are $68.07
Applicant: Ok
Best rate: 35% p.a.
Applicants with a less than ideal financial history may wish to opt for a smaller loan amount with more affordable repayments to increase their chances of being approved, instead of selecting the highest loan amount available.
They may also choose to opt for a secured loan as opposed to an unsecured loan, seek a guarantor loan, or delay applying for a loan until their financial situation improves.
Pay it off faster
6 month loan term
Interest: 35%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $3995* |
| $4,000 | $5170* |
| $5,000 | $6345* |
Repayments
- $3,000 loan:
Monthly repayments are $665.83, weekly repayments are $166.46 - $4,000 loan:
Monthly repayments are $861.67, weekly repayments are $215.42 - $5,000 loan:
Monthly repayments are $1,057.50, weekly repayments are $264.38
Balanced approach
12 month loan term
Interest: 35%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $4078* |
| $4,000 | $5278* |
| $5,000 | $6478* |
Repayments
- $3,000 loan:
Monthly repayments are $339.83, weekly repayments are $84.96 - $4,000 loan:
Monthly repayments are $439.83, weekly repayments are $109.96 - $5,000 loan:
Monthly repayments are $539.83, weekly repayments are $134.96
Affordable repayments
24 month loan term
Interest: 35%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $4775* |
| $4,000 | $6180* |
| $5,000 | $7584* |
Repayments
- $3,000 loan:
Monthly repayments are $199.79 weekly repayments are $49.95 - $4,000 loan:
Monthly repayments are $221.83, weekly repayments are $257.50 - $5,000 loan:
Monthly repayments are $316.25, weekly repayments are $79.06
Applicant: May not be suitable
Best rate: 48% p.a.
Applicants without a strong financial history may wish to seek alternative options for accessing short term financial assistance, delay applying until their financial situation improves, or apply for the smallest loan amount possible with the most affordable repayments to increase their chances of being approved.
Lenders see borrowers with a less than ideal financial history as a higher risk. This means they are more likely to default on the loan (meaning they wouldn’t be able to repay it). They may not approve this kind of loan at all, or compensate for this extra risk by charging a higher interest rate on loans offered to these borrowers.
Pay it off faster
6 month loan term
Interest: 48%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $4216* |
| $4,000 | $5456* |
| $5,000 | $6696* |
Repayments
- $3,000 loan:
Monthly repayments are $702.67, weekly repayments are $175.67 - $4,000 loan:
Monthly repayments are $909.33, weekly repayments are $227.33 - $5,000 loan:
Monthly repayments are $1,116.00, weekly repayments are $279.00
Balanced approach
12 month loan term
Interest: 48%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $4347* |
| $4,000 | $5626* |
| $5,000 | $6905* |
Repayments
- $3,000 loan:
Monthly repayments are $362.25, weekly repayments are $90.56 - $4,000 loan:
Monthly repayments are $468.83, weekly repayments are $117.21 - $5,000 loan:
Monthly repayments are $575.42, weekly repayments are $143.86
Affordable repayments
24 month loan term
Interest: 48%
Establishment fee: $400
Monthly fee: $0-$18
| Loan amount | Total cost |
| $3,000 | $5352* |
| $4,000 | $6926* |
| $5,000 | $8500* |
Repayments
- $3,000 loan:
Monthly repayments are $222.60, weekly repayments are $55.65 - $4,000 loan:
Monthly repayments are $288.58, weekly repayments are $72.14 - $5,000 loan:
Monthly repayments are $354.17, weekly repayments are $88.54
*Please note that the figures shown are indicative only and may not include all fees and charges. All applications are subject to assessment.