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Instant approval loans.
Need cash today?

Do you need cash fast?

Get approved for up to $25,000 within minutes.
Easy application & cash paid today.
Plus, easy to understand fees.

So when you are looking for instant approval loans and need cash today, we have you covered.

Last updated on September 27th, 2023.

How much do you need to borrow?

Easy Secure Application

Firstly, applying for instant approval loans is easy and quick. In less than 5 minutes, you can apply for a Cash Today loan amount up to $25,000.


Fast Results

Secondly, once your application is submitted, it can be reviewed and approved quickly. You’ll get a decision within hours instead of days.

Same-Day Payments

Thirdly, if approved, we will deposit the money into your bank account the same evening, as long as you make your application before 2 pm AEST.

How could an Instant Approval Loan help me?


Sometimes things don’t go according to plan.

  1. Things break down.
  2. Accidents happen.
  3. Appliances wear out.
  4. Pets get sick.
  5. There’s a dentist bill to deal with.
  6. Regular bills are just higher than you budgeted for.
  7. Expenses that you weren’t expecting can appear out of the blue.

These things happen to everyone.

Unfortunately, we don’t always have cash set aside for a rainy day that we can easily access. Or perhaps we did, but then we had an unlucky week, and multiple unexpected expenses appeared all at once.

The last thing you want is financial stress keeping you up at night. In cases like this, there’s a simple and easy way to free up your finances short term and take the pressure off you.

That’s where we come in. First of all, we can offer you short term lending and get you the cash you need quickly.

Secondly, don’t worry – we know how busy you are. So there are no complicated forms for you to fill out. Also, there are no surprises from our end. You’ve had enough of those already!

What we can offer you is a simple and effective solution to your temporary cashflow setback:

  • Incredibly clear fees & charges. You know exactly what you’re paying from the get-go.
  • Super simple repayment schedule, all automated for you.
  • Real genuine customer service, and human understanding of your circumstances.
  • Speedy application time (<5 mins), turnaround time (hours or less), and same-day payment (once you get that green tick of approval).


What is an Instant Approval Loan?


An instant approval loan lets you avoid the long waiting times of a traditional personal loan. Also, it’s usually for amounts borrowed that are less than $5000, or up to $25,000. In addition, you can pay back loans under $5000 faster than a typical personal loan.

So you might repay it using your next paycheck for smaller amounts. Instead, you might spread repayments over a few weeks or even a few months for more significant loan amounts. Also, once we’ve reviewed your application, we can make an instant decision.

That means we can let you know if you have been approved fast! Want instant approval loans – need Cash Today!


instant approval loans need cash today

Have you been searching for instant approval loans online? Would you like to borrow an amount between $1000 and $5000? Or a higher loan amount up to $25,000?

If you have been looking for easy loans with instant approval, and you need cash paid to you today, we can help!

Moreover, applying is simple and takes just a few minutes. So if you want loans approved today without lots of paperwork and you need cash now, an easy cash loan could be just what you have been searching for.

Our quick loan approval process gets you an answer in just hours instead of days. As a result, borrowing is simpler than you think. Ideal for when you want instant approval loans, need cash today and don’t want complicated and lengthy forms to fill out.

About us

Cash Today has been helping Australians with short term lending solutions since 2006. Above all, we have a proven track record with over 15 years of reliability and putting our customers needs first. So we get great reviews, positive feedback, and we are there for you when you need us.

We understand that everyone is different. That’s why our team of real people carefully review applications and work with our customers to get the best result. Above all, there is nothing we love more than helping out an Aussie in need. When short term liquidity is holding you back from achieving your goals, you can count on Cash Today to lend a hand.

How we work

We offer choices for borrowing $1000 quickly and easily. We also have options for larger loan amounts of up to $25,000.

1: Firstly, you decide on the amount that you would like to borrow. Use our handy repayment calculator below to help you decide.

2: Secondly, you complete our easy online application. This takes less than 5 minutes.

3: Thirdly, check your email inbox to activate your account with just a few clicks.

4: Additionally, you’ll find out if you’ve been approved within just a few hours.

5: For the final last step, your money is transferred into your bank account that same day.

regular income
credit check

Loan Process – What we need from you

To approve your application, we need to check that you meet our lending requirements for instant approval loans.


You will need to be:

1: An Australian resident

2: Over the age of 18 years old (an adult)

To confirm this, we will ask for a copy of your driver’s licence and a utility bill showing your current address.


Can you easily repay the loan amount?

We would never want your repayments to put you under financial stress, so we check that can make repayments with ease.

To do this, we will verify you have regular income being paid into your bank account via your online banking.

To clarify, income can include payments from your employer, business, or government benefits such as Centrelink payments.

This is all done using a quick and confidential online process where you permit us to view read-only digital bank statements. No scanning or uploading files are required! 

Credit check

Lastly, we will usually perform a credit check. A good credit score makes it fast and easy for us to be confident in approving you.

However, some customers prefer to opt for a no credit check loan. That’s completely fine. We can also work with you in approving your loan without a credit check, as long as we can see that you meet our other lending criteria.


Borrow an amount between $100 and $5000

Pay 20% establishment fee + 4% monthly fee


Repay the total loan amount over weeks/months

Frequently asked questions

Instant approval loans need cash today.

Can you tell me about the repayments and fees?

Once you get the email confirming you have been approved, your loan amount bank transfer will be automatically processed the same day. We can offer this as long as your application was submitted before 2 pm AEST.

Because different lenders can offer differing fee structures, it’s important that you understand your repayment amounts and direct debit schedule. Also, you will want to be aware of any fees charged for a payday loan. We will provide you with this information so that you can make the choice that is right for you.

Cash Today small instant loans are completely transparent when it comes to fees, and we take responsible lending seriously. Firstly, our quick easy Cash Today loans of up to $5000 have the simple fee structure of a 20% establishment fee. We also require an additional 4% of the principal amount per month for the life of the loan.

Secondly, you can check using our payday loan calculator below how much your repayments might be. This can help you make an informed decision about whether a cash loan with fast approval is right for you.

Thirdly, consider the ways that Cash Today may be more helpful than a regular personal loan in some cases. You might look at savings over the life of the loan, simplicity, speed, or that repayments will be made via direct debit from your bank account for your convenience. This helps you to enjoy the peace of mind that you’ll never forget a repayment.

What about the super fast approvals?

Have you been wondering how can I get quick cash today? Is your top priority easy loans & instant approval? Did you think that it was impossible to secure loan approval within 24 hours?

Cash Today is different! When you need fast cash today, you don’t want to wait on lengthy approval times. Want instant approval loans – need Cash Today.

How can we offer such a fast lending option? Firstly, Cash Today offers cash loans where the application takes less than 5 minutes. Secondly, we will review your application within hours instead of days. Thirdly, once approved, with one click you’ll be immediately cued for same day instant bank transfer of your loan amount into your bank account.*

Our online application process has quick approval. It is ideal when you need fast cash now. This allows you to get approved for a loan today, whether you need $300 today or $3000. Additionally, you can easily use our repayment calculator to work out your repayments. You can also use it to see our transparent fees, and decide on a loan amount that is right for you.

We offer flexible payment options for our online loans. Also, our terms and conditions are easy to understand, and there are no surprises.

Instant approval loans, need cash today?

Cash Today has been servicing thousands of satisfied customers since 2006.  Offering quick loans today is what Cash Today does best.

Applying couldn’t be simpler! For instance, in just minutes you can submit your application to get a loan today. To make it even easier, you can use the device of your choice. So opt to complete the online application form on your phone, desktop, or even your tablet.

In addition, there is no complicated paperwork or pages and pages of forms to fill out. Lastly, you’ll be provided with all the details you need concerning the affordable repayments and our fees. So this will help you make an informed decision that’s right for you.

There’s a reason that Cash Today has been the lender of choice for when you need money today. This is because we help hundreds of customers every year. Another big point of difference is that Cash Today offers real service from a team of real people, not bots.

Also, we understand that you are more than your credit rating. Cash Today can work to help you get a cash loan with fast approval when you need it – whether you have bad credit, want a no credit check application, or are the recipient of Centrelink payments.

Have you received an unexpected bill, are you coping with an emergency expense, or has an opportunity has arisen and you just can’t let it pass it up? In this case, you can apply to get a loan today and may secure the money you need, when you need fast cash today.

I need money now. How could an instant money loan help?

Sometimes despite budgeting and planning, unforeseen events and circumstances deliver unexpected bills.  This could mean that you may need quick cash to deal with an emergency, jump on an opportunity, or avoid larger fees or late charges.

Are you in a situation where you find that you need extra cash within 24 hours? Can’t accept the hassle of long application times, or piles of paperwork? If you are in a rush, an online lender with instant approval has obvious appeal. Our fast cash loans, small loans, and instant online loans could be just what you need.

Why would I need a loan with fast approvals?

Unexpected expenses can surprise anyone. For instance, it could be medical expenses like a trip to the dentist. Perhaps you were surprised by a big electricity bill.

Alternatively, it may have been a small oversight such as having the wrong due date in your calendar for your car registration. Maybe you’ve been tracking along just fine with your finances but then your fridge, or washing machine broke down.

Another common occurrence is a renovation that goes over budget. Maybe you need extra material to keep the project running on time.

Another example is not wanting to say no to exciting opportunities. These situations may require funds right away, and would save you money long term. For example, something like a big discount on flights. Or a special offer on accommodation for that overseas holiday you had planned, for instance.

If you need money fast, you may have considered your credit card but had concerns about remembering to make repayments. But, while the appeal of this instant cash option can be tempting, cash advances on credit cards can be expensive. Alternatively, asking to borrow from family or friends may not be possible.

So, if you require cash today, a small online cash loan with instant loan approval might be an option worth considering. 

Will I get approved?

Fast approval for a loan requires just a few things. Initially, you will need to show that you are an Australian resident over 18 years old, employed (or receiving regular income), and have that income paid regularly to your bank account.

On a side note, applications for cash loans will usually consider your credit history, and bad credit may prevent us from being able to approve payday advance loans in some circumstances.

We do try to take into consideration all of the different factors in your application. If you have a bad credit rating but we can see that you meet all of the other lending criteria, we will do our best to approve your application. In this way we can sometimes offer payday loans for bad credit – instant approval.

Alternatively, if you would simply prefer a credit check didn’t appear on your credit history, we can work with you there too. We do offer personal loans online, instant approval, no credit check.

In conclusion, we love helping out Australians, but we do take our standards as a responsible lender seriously. If you aren’t sure that you can easily make repayments you can read our warning against borrowing here.

What documents do I have to provide?

Looking for instant approval loans & need cash today? We are happy to help!

We will need some information from you to make an approval decision fast. First, we will ask you to verify your legal identity and regular income to process any cash loans online, and then 90 days of bank statements will be required with your application. But don’t worry, this is done with an online verification system.

This is another great time saver. You don’t need to worry about downloading and attaching bank statement PDFs. Instead, this is all done online in seconds via your Netbank! The process includes a prompt to allow us read-only access to your bank statements for the last 90 days. And there’s nothing to be concerned about, as the process is entirely private and secure. This permission does not allow us access to your bank accounts or to save or see your banking login details.

We will also ask for a copy of your driver’s license, plus a utility bill showing your current address.

Is a Cash Today loan right for me?

There are many details to consider when deciding between different lending options. Only you can decide if a Cash Today loan is the right choice. We hope that by offering a simple fee structure with transparent terms and conditions, we can assist you in making the best well-informed decision possible.

We help hundreds of people every year access fast cash with minimum fuss. We’ve worked hard to streamline our processes so that we can offer quick application decisions.

So once we’ve reviewed everything, we can make an instant decision because we understand that sometimes life is unpredictable! Afterwards, it’s just one click, and our online payment system sets your loan amount to be released into your bank account that evening!

Before applying for a loan with us, we suggest that you make sure that you have explored all of your options. For example, you could take another look at your budget, and 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. You might find that you have problems making your repayments. In this case, it’s vital that you speak with us. Let us know what the problem is so that we can work with you to help you meet your obligations.

If you miss a payment or the direct debit fails, you may be charged additional fees or we may take further action. Also, you can view our procedures for non-payment here.

How can I get a payday loan instantly?

In need of quick cash and can’t seem to get it from any other source? You may be wondering how to get a payday loan instantly. Payday loans are a type of short-term loan that can help you tide over until your next employer pay date arrives. Cash Today loans are easy to apply for. Once approved, funds will be released and deposited into your bank account via instant bank transfer.

More about Cash Today


We have been offering short-term credit contracts to Australians since 2006. Also, we operate under the Australian Credit License No: 387137. Consequently, we are dedicated to offering easy loans quickly but do so only if loan applications are in line with our criteria for responsible lending. Additionally, we are committed to abiding by 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 ensure that our online loans are the right fit for our customers. Unfortunately, some applications could be declined unnecessarily in automated systems, such as explainable data from bank statements. Consequently, our online application form approvals are done by real people. So you can be assured that the application process will consider the essential information for your loan.

We are happy to be able to offer a loan status within just a few hours of receiving a completed application form, as well as a full summary of fees and charges. Further, we have hundreds of happy returning customers because of our more personal approach to lending and reputation as a responsible lender. Our business hours are Monday – Friday, 9 am – 5 pm (excluding public holidays), and loan offers are processed fastest for applications submitted before 2 pm.

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