Cash Today Loans – Australia
Easy Personal Loans Australia wide, 24/7
Are you looking for a quick loan between $300 and $80,000 in Australia?
We offer fast approval loans, with easy online applications.
Personal loan types
Cash Today provides loans for a variety of requirements. Would you like a larger loan to make a personal or business purchase? Are you looking for emergency cash to pay an unexpected bill? Do you need extra cash to take advantage of an exciting opportunity? View below the variety of loan types and options for lending on offer from Cash Today.
- In less than a minute you can find out if you qualify for a loan, and see the lowest loan rate that you are eligible for.
- Checking is obligation free, and does not affect your credit history.
Competitive Rate Personal Loans
Get the best rate loans from Cash Today
Emergency loans
Take the stress out of paying for unexpected expenses, with same day loans up to $5,000
Second Chance Loans
$500 no credit check loans to improve your credit score
Responsible Payday Loan Alternatives
Avoid the pitfalls of risky short term loans
At a glance
Types of loans
Holiday and travel loans
Whether you’re planning a weekend getaway or a long-term backpacking trip, there are loan options to suit your needs.
Veterinarian loans
Our pets are part of our families, and when a beloved pet becomes unwell or has an accident, being able to get them the medical attention that they need is essential.
Refinancing your car loan
A car loan can be a significant financial commitment, and it’s not uncommon for life circumstances or financial goals to change over time. Whether you’re looking to lower your monthly payments, reduce your interest rate, or consolidate your debts, refinancing your car loan can be a savvy financial move.
Consolidation loans
Are you juggling multiple debts and struggling to keep up with payments? Take control of your financial situation with consolidation loans from Cash Today. Our consolidation loans offer a practical solution to simplify your finances, reduce stress, and pave the way towards a debt-free future. Say goodbye to the burden of multiple payments and hello to financial freedom.
Wedding loans
Wedding loans offer a solution that allows you to have the wedding of your dreams without compromising your financial stability.
Loans for Moving Expenses
Moving can be expensive, but there are options available that can help you cover the costs, and help take some of the stress out of the process.
Solar Loans
As more homeowners and businesses make the switch to solar panels and solar batteries, they often wonder how to finance this environmentally friendly endeavor, and a Cash Today loan could help.
Loans for Purchases
Are you in need of new furniture, equipment, electronics, or whitegoods but don’t have the funds to cover the costs upfront? Fortunately, there are loans available specifically for these types of purchases.
Loans for education expenses
Are you looking for education loans or loans for education expenses such as courses, textbooks or subscriptions, or equipment? There are different options you might like to consider to help cover education costs.
Loans to Pay Bills
Are you struggling to make ends meet and need help paying your bills? If so, you’re not alone. Many Australians find themselves in this situation at some point, and taking out a loan could be a helpful solution.
Loans for Medical Expenses
Medical procedures may include IVF, cosmetic surgery, elective surgery, or other procedures outside the Australian public health care system. For example, if a procedure has long wait times, you might opt to pay for this in the private healthcare system. This may result in out-of-pocket expenses that your private health insurance doesn’t fully cover. If you haven’t taken out private health insurance, you may be paying more for these procedures.
Lease/hire expense loans
Leasing or hiring equipment, vehicles, electronics, or other items can be a great way to access the things you need without committing to a large upfront cost. However, it can still require a significant amount of money to cover the ongoing lease or rental payments. This is where loans for lease or hire expenses can be incredibly helpful.
Loans for Home Expenses
Owning a home comes with many responsibilities, including upkeep, maintenance, and repairs. Whether you’re looking to update your home with new appliances, remodel your kitchen or bathroom, or just make general repairs, the costs can add up quickly. In some cases, a personal loan can be a smart solution to help cover these expenses.
Refinancing your personal loan
A personal loan can be a lifeline during financial challenges, helping you achieve various goals or manage unexpected expenses. However, as financial situations evolve, you may find that your current personal loan terms no longer suit your needs.
Refinancing your personal loan is a strategic financial move that can help you lower interest rates or fees, reduce monthly payments, or consolidate debts.
Car Loans
Embarking on the journey towards your dream car or optimising your vehicle for business purposes requires more than just a financial push – it demands a tailored solution that understands your unique needs.
Cash Today steps into the driver’s seat of your aspirations, offering car loans designed for personal joy rides, business ventures, and even the flexibility to refinance for better terms.
Simple loan rates & fees
We aim to be fully transparenty about loan costs, with no hidden surprises. View all loan costs and fees here.
Competitive Rates for Personal Loans $5,000 – $80,000.
Check if you qualify for a loan
- Find out the most competitive loan rates that you qualify for from our panel of over 60 lenders, obligation free
- Select the loan that fits your budget and needs best, and avoid paying more than you need to
Flexible loans
Flexible Loans, Competitive Rates: Get the loan amount you need with flexible repayment options and competitive interest rates to suit your budget.
Fast and Efficient Approval Process
Fast Approval, Fast Funding: Get a quick decision on your loan application and access funds quickly to address your needs.
Secured loans
Get lower loan rates: Opt for a secured loan for a car, equipment, or other assets and access lower potential loan rates.
Emergency loans for unexpected expenses
Responsible payday loan alternatives
When your priority is accessing emergency funds to pay for an unexpected expense that can’t wait, we also offer options for faster approval and same day payments on short term loans. Our responsible payday loan alternatives have similar benefits to a payday loan in terms of ease of application process and quick payments, but help you to avoid paying higher costs than you have to or repayments that you can’t afford to repay.
Small loans up to $2,000: SAAC Loans
Medium loans up to $5,000: MAAC Loans
| Feature | Payday Loan | SAAC/MAAC Loan |
|---|---|---|
| Cost | Higher fees (establishment fees, ongoing fees, administration charges) | Lower fees/interest rates |
| Repayment Term | Short (e.g. 2–5 weeks) | 16 days to 24 months |
| Lending Practices | Less stringent | Responsible lending practices |
| Additional Benefits | None | Options for flexible repayments and fee waivers in cases of hardship |
| Regulation | Regulated, but fewer customer protections. | Regulated under the National Consumer Credit Protection Act (2009) |
Special circumstance loans
Alternative lending solutions
If you are concerned that you won’t be able to get approved for a traditional loan because of a bad credit rating or low income, there are options that might help you improve your financial wellness or manage short term expenses.
Financial Wellness Options
- Second chance loans
- Centrelink and low income loan options
- Financial counselling & budgeting
Second chance loans
$500 no credit check loans
Second Chance Loans
If you would like to improve your credit rating you might consider a Cash Today second chance loan.
This is a small no credit check loan of $500 which can help you to improve your credit rating if you make your repayments on time.
You may be able to be approved if you have stable income, your regular income vs. expenses allows for you to comfortably afford the repayments, and your 90 day bank statements display no disqualifying conditions.
This is the only kind of no credit check loan that we offer, and all loan amounts higher than $500 will involve a credit check.
Centrelink and low income loan options
No Interest Loan Scheme (NILS)
Borrow up to $2,000 for essential purchases interest free and with no credit check required
To qualify you need to:
- Have a Health Care Card/Pension Card or be on a low income
- Have lived at your current residence at least 3 months
- Be able to make the repayments
Arrange a meeting with a NILS service provider to complete your loan assessment and work out how much you can afford to repay.
This usually takes between 45 and 90 minutes, and loan approvals can take up to 2 weeks depending on the provider.
If you are entitled to government benefits, it may be possible to request a cash advance from Centrelink
Financial Counselling & Budgeting
- The Government website MoneySmart is an invaluable resource to assist with financial counselling, budgeting, saving for an emergency fund, and assistance with paying bills.
- Get information about other options for managing your unexpected bills or debts by calling 1-800-007-007 from anywhere in Australia to talk to a free and independent financial counselor.
- Speak directly to your service provider to see if you can work out a payment plan if you aren’t able to pay your bills on time.
How likely is it that you will be approved for a loan? Find out below what kinds of applications are most likely to be approved and offered the lowest loan rates:
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.
Emergency expenses
Vehicle repairs
Equipment repairs
Funeral expenses
Purchases
Vehicle purchases or automotive parts
Clothing
Sporting equipment
One-off items
Lease/hire expenses
Vehicle hire
Equipment hire
Electronics hire
Furniture hire
White goods hire
Home
Repairs
Renovations
Service providers
Furniture
White goods
Electronics
Moving expenses
Bond payment
Repairs/cleaning
Pest control
Moving truck hire
Bills
Car insurance or registration
Automotive servicing
Consultant/service fees
Tax costs
Traffic fines
Legal bills
Utility bills
Advance cash
Accommodation
Flights
Birthday gifts
Wedding expenses
Medical
Dental
Hospital bill
Surgery/procedure/treatment
Prescription medication
Consultation
Optical
Veterinarian
Consultations
Hospital admissions
Treatments/procedures
Medications
Education
Equipment, uniforms
School/course fees
Excursions, events, and extracurricular activities