Instant Approval Loans 

Need Cash Today?

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

Looking for easy loans – instant approval ?

Searching for 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.

Have you been wondering how can I get quick cash today but thought that it wasn’t possible to secure loan approval in 24 hours? When you need fast cash today waiting on lengthy approval times is the last thing you want.

Cash Today offers cash loans where the application takes less than 5 minutes, we will review your application within hours not days, and once approved you’ll be cued for  same day instant bank transfer of your loan amount into your bank account.*

Our online application process with quick approval is ideal when you need fast cash now. Get approved for a loan today whether you need $300 today or $3000. You can easily use our repayment calculator to work out your repayments and view our transparent fees, and decide on a loan amount that is right for you.

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

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! In just minutes you can submit your application to get a loan today,  completing the online application form on your phone, desktop, or tablet without the complicated paperwork or pages and pages of forms. You’ll be provided all the details you need regarding the affordable repayments and our fees to help you make an informed decision.

There’s a reason that Cash Today has been the lender of choice when you need money today for hundreds of customers every year. We offer real service from a team of real people. We understand that you are more than your credit rating, and can help you get a cash loan with fast approval when you need it whether you have bad credit, no want a no credit check application, or are the recipient of Centrelink payments.

If you’ve recieved an unexpected bill, are coping with an emergency expense you weren’t planning on, or an opportunity has arisen and you just can’t let it pass it up, you can apply to get a loan today from Cash Today and secure the money you need right 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?


A instant approval loan allows you to bypass the lengthy waiting times of a traditional personal loan when you borrow amounts generally less than $5000. It is a payday loan that can be payed back faster than a typical personal loan, such as using your next paycheck for smaller amounts, or spreading repayments over weeks or months for larger loan amounts. Once we’ve reviewed your application we can make an instant decision and your loan amount bank transfer will be automatically transferred the same day as long as your application was submitted before 2pm AEST. Different lenders can offer differing fee structures, so it’s vital 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 with our fees and we take responsible lending seriously. Our quick easy Cash Today loans have the simple fee structure of 20% establishment fee with an additional 4% of the principle amount per month for the life of the loan. You can check using our payday loan calculator below how much your repayments might be so that you can make an informed decision about whether a cash loan with fast approval is right for you compared to a regular personal loan. Your repayments will be made via direct debit from your bank account for your convenience, offering 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,  and you may need quick cash to deal with an emergency, jump on an opportunity, or avoid larger fees or late charges. You may find you need extra cash within 24 hours and you can’t accept the hassle of long application times or piles of paperwork.

Unexpected expenses can surprise anyone, whether it’s for medical expenses like a trip to the dentist, a big electricity bill, or having the wrong date in your calendar for your car registration. Perhaps you’ve been tracking along just fine with your finances but then your fridge or washing machine broke down.

A common expense is when your renovation goes over budget and you need extra material to keep the project running on time. What about exciting opportunities that need funds right away, and would save you money long term, like a big discount on flights or accommodation for that overseas holiday you had planned.

If you need money fast cash advances on credit cards are expensive, and asking to borrow from family or friends may not be possible. If you need cash today, a small online cash loan might be an option worth considering.


Will I get approved?

Fast approved for a loan requires that you must be an Australian resident over 18 years old, employed (or receiving regular income), and have that income paid regularly to your bank account.

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 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?

We will need to verify your legal identity and regular income in order to process any cash loans online. 90 days worth of bank statements will be required to be uploaded with your application, and we will ask for a copy of your drivers license plus a utility bill showing your current address.

Is a Cash Today loan right for me?

We help hundreds of people every year get access to fast cash with quick applications and once we’ve reviewed it we can make an instant decision, 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 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. 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.

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.