Fast Loans
Need cash fast? Get a same day loan.
Our online fast loans offer a quick and convenient way to access funds when you need them most.
With our simple application process and fast approval times, you can get approved for the money you need in as little as minutes.
Whether it’s for an unexpected expense or a planned purchase, our fast loans can help.
Updated by Steve Stemp on 27/8/24
Repay within 12 months
Short-term personal loan solutions (up to 12 months)
Repay within 24 months
Mid-term loan solutions (up to 24 months)
Longer repayment schedules
Flexible loan solutions (up to 7 years)
Why Choose Cash Today Fast Loans?
Quick personal loans online, Australia wide.
- Speed: Get approved and funded quickly.
- Risk free eligibility check: Find out the best loan rate you qualify for, with no impact on your credit history.
- Convenience: Apply online from anywhere in Australia.
- Flexibility: Choose the loan amount and repayment term that suits your needs.
Competitive rate loans
Get low rates on loans of $5,000 – $80,000
Life has big moments, and sometimes you need a financial boost. Whether it’s a dream renovation, a car you can rely on, or consolidating debt, our personal loans from $5,000 to $80,000 can help you achieve your goals. We offer competitive rates and flexible repayment terms to fit your budget, and individualised assessments to get you the best loan rate possible.
Mid-size loans
$5,001 – $25,000
Large loans
$25,000 – $80,000
SAAC & MAAC Loans
Responsible Alternatives to Payday Loans
Life throws curveballs, and sometimes unexpected bills can strain your budget. Whether it’s a car repair, medical expense, or simply needing to bridge the gap until your next payday, our urgent loans could offer a helping hand when you need it most. Alternatively, our $500 Second Chance loans offer no credit check finance.
Small loans
Up to $2,000
Medium loans
Up to $5,000
Loan rates & fees
See our simple rates and fees below, and then view more information about rates & fees to work out repayments and total costs for different amounts and terms.
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 |
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% |
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 |
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% |
*Please note that the figures shown are indicative only and may not include all fees and charges. All applications are subject to assessment.
How To Get A Fast Loan
- Check Your Eligibility: Determine your loan amount and interest rate in minutes.
- Complete the Application: Provide your details through our secure online form.
- Receive Approval: Get a fast decision on your loan application.
- Accept the Offer: Review the loan terms and accept if you agree.
- Funds Transferred: Money is transferred directly to your bank account. Same day payments, in some cases within the hour.
Fast Loans: Why & How to Apply
- Unexpected Expenses: Car repairs, medical bills, or home emergencies.
- Short-Term Needs: Bridge a gap between pay cycles or cover a temporary financial shortfall.
- Planned Purchases: Help fund a vacation, a new appliance, or other planned purchases.
Why Cash Today Loans are Faster
Quickly find out your best loan rate from our panel of over 60+ banks and lenders.
Check your eligibility in minutes, with no impact on your credit score.
State of the art loan matching technology. Less research time, faster information.
Secure online bank statement verification for even faster approvals.
Accept your loan offer, and you could have funds in under an hour.
Getting Approved for Loans with Fast Payments
Here are some tips to speed up your loan approval and the transfer of funds:
Before you start:
Are you eligible for a Cash Today loan?
Loan requirements
- Proof of Australian residency (utility bill) and regular income
- Driver’s license or other identification (over 18 years of age)
- A read-only 90-day bank statement (via online bank verification)
- Credit check
- Repayment affordability can be established
- No direct debit dishonour transactions in bank statements
Disqualifying conditions
If you display one or more of the following loan disqualifying conditions you are not currently eligible for a Cash Today loan.
- Opened a personal loan in the last 90 days
- Already has two or more payday loans under $2000
- Bank statements in the last 90 days display transactions for online gambling
- Bank statements show payments made to collection companies, payment arrears, or dishonours in the last 90 days
- Bank statements show wage advances such as Wagetap, Wagepay, MyPayFast, Beforepay, in the last 90 days
- Bankruptcy
You should consider seeking alternative options for financial assistance, or delay applying until your 90 day financial history reflects that you are eligible to apply as well as able to comfortably afford repayments.
If you have read the above and feel confident that you are eligible for a loan, you can make the application and approval process as fast as possible with the following tips:
1. Provide Accurate Information:
- Double-check your details: Ensure all information you provide is accurate and up-to-date. Applications can be delayed or declined if bank transaction history contradicts the information in your application.
- Complete all required fields: Missing information can delay the approval process, and some lenders may automatically decline loans with missing information, such as the reason for your loan.
- Verify your contact information: Ensure your phone number and email address are correct. If approved, you will be sent a loan offer than you need to accept in order for funds to be transferred.
2. Upload Required Documents Quickly:
- Gather all necessary documents: Have your documents ready before starting the application. This includes identification and residence documents.
- Upload documents promptly: The faster you submit your documents, the quicker the verification process.
3. Be Ready to Verify Your Bank Account Details
Ensure your bank account information is correct, and be ready to authorise a 90 day read-only online bank statement verification.
4. Respond to Requests Promptly:
- Check your email and messages regularly: If the lender needs additional information, respond promptly.
- Provide any requested documents or information without delay.
Qualifying for the Best Loan Rates
Find out how likely you are to qualify for our lower rate loans.
Healthier financial history = access to lower loan rates
- Our competitive personal loan rates are between 7.24% – 19.99% p.a. and our urgent loans are between 19% and 48% p.a.
- 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.
Click below to apply for a loan between $1,000 and $80,000 today