Instant Approval Loans 

Need Cash Today?

Searching for instant approval loans online for up to $5000?

Looking for easy loans – instant approval ?

Want loans approved today without mountains of paperwork when you need cash now?

Our quick loan approval process could be just what you’ve been looking for.
Want instant approval loans – need cash today.

Super fast approvals

Have you been wondering how can I get quick cash today? Did you think that it wasn’t possible to secure loan approval in 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, so 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, view 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 choose 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 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.

Easy Secure Application

Applying for a payday loan is easy and quick. In less than 5 minutes you can apply for a Cash Today payday loan amount up to $5000.


Fast Results

Once your application is submitted, our team can approve your payday loan quickly. You’ll get a decision within hours instead of days.

Same Day Payments

Once you’ve been approved we will deposit the money into your bank account the same evening if your application was made before 2pm.

What is a Instant Approval Loan?


An instant approval loan allows you to bypass the lengthy waiting times of a traditional personal loan. So, it’s usually for amounts borrowed that are less than $5000. In addition, these types of payday loans can be repaid faster than a typical personal loan. You might pay it back using your next paycheck for smaller amounts, or spread repayments over weeks, or months for larger loan amounts. Also, once we’ve reviewed your application we can make an instant decision and let you know fast! Want instant approval loans – need Cash Today!

The repayments and fees


Your loan amount bank transfer will be automatically processed the same day, as long as your application was submitted before 2pm AEST. Because different lenders can offer differing fee structures, it’s important that you understand your repayment amounts and direct debit schedule, as well as any fees charged for a payday loan.

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 have the simple fee structure of a 20% establishment fee with an additional 4% of the principle 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 that 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.

Frequently asked questions


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.


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 occurrance is a renovation that goes over budget, and you need extra material to keep the project running on time. Another example is not wanting to say no to exciting opportunities that required funds right away, and would save you money long term. Something like a big discount on flights or 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. Moreover, cash advances on credit cards can be expensive, and asking to borrow from family or friends may not be possible. So, if you require cash today, a small online cash loan might be an option worth considering.


Will I get approved?

Fast approved 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 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! Just to clarify, to be able to make an approval decision fast, we will need some information from you. First we will ask you to verify your legal identity and regular income in order to process any cash loans online, and then 90 days worth of bank statements will be required with your application.

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 your bank statements for the last 90 days. And dont worry, this is all completely private and secure, and this permission does not allow us access to your banks accounts or to save or see your netbank login details. We will also ask for a copy of your drivers license, plus a utility bill showing your current address.

Is a Cash Today loan right for me?

There are lots of details to consider whenever you are deciding between different lending options. Only you can decide if a Cash Today loan is the right choice for you. Our hope is that by offering a simple fee structure with clear terms and conditions, we can assist you in being able to make the best informed decision possible.

We help hundreds of people every year access fast cash with minimum fuss, and have worked hard to streamline our processes so that we can offer quick applications. So once we’ve reviewed everything we can make an instant decision, because we understand that sometimes life is unpredictable! Then one click, and our online payment system sets up your loan amount to be released into your bank account that same 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, request free financial counseling, 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 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. So just be aware that if you do miss a payment or your 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.

About Cash Today


We have been offering short-term credit contracts to Australians since 2006. We operate under the Australian Credit License No: 387137. We are dedicated to offering easy loans quickly but do so only if loan applications are in line with our criteria for responsible lending and 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 make sure that our online loans are the right fit for our customers. In automating systems some applications could be declined unnecessarily, such as explainable data from bank statements. Our online application form approvals are done by real people so you can be assured that the application process will take into consideration the most important information for your personal loan.

We are happy to be able to offer a loan status within just a few hours of receiving an completed application form as well as a full summary of fees and charges, and we have hundreds of happy returning customers because of our more personal approach to lending and reputation as a responsible lender.