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Personal Loans with Cash Today

Are you looking for a quick loan up to $80,000?
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

Simple loan rates & fees


View our simple rates and fees, and then view rates & fees to work out repayments and total costs for different amounts and terms.

*Please note that the figures shown are indicative only and may not include all fees and charges. All applications are subject to assessment. 

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

Debt consolidation loans

Consolidate Debt and Breathe Easier: Simplify your finances by consolidating high-interest debts into one manageable monthly payment with our competitive rates.

Life event financing

Life Events Made Easier: Finances shouldn’t hold you back. Get the loan you need for major life events like home renovations, weddings, or education costs.

Home improvement projects

Invest in Your Dream Home: Upgrade your kitchen, bathroom, or other living spaces with a personalised loan to fit your project needs.

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

Comparison: Payday Loans vs. SAAC/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) Longer (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

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:

Emergency expenses

Vehicle repairs
Equipment repairs
Funeral expenses



Vehicle purchases or automotive parts
Sporting equipment
One-off items

Lease/hire expenses

Vehicle hire
Equipment hire
Electronics hire
Furniture hire
White goods hire


Service providers
White goods

Moving expenses

Bond payment
Pest control
Moving truck hire


Car insurance or registration
Automotive servicing
Consultant/service fees
Tax costs
Traffic fines
Legal bills
Utility bills

Advance cash

Birthday gifts
Wedding expenses


Hospital bill
Prescription medication


Hospital admissions


Equipment, uniforms
School/course fees
Excursions, events, and extracurricular activities

How it works

1. Decide on the loan amount you would like

Consider the loan amount that would suit your needs and that you can afford to repay.

2. Complete our easy online application

Click “Apply Now” to submit our simple online application form

3. Check your email inbox

Follow a few steps to activate your account with the code and password we send out to you

4. Get approved

Within hours you’ll find out if you have been approved. You can also login and check at any time

5. Get your money

Once you’re approved, we will electronically deposit the money directly into your bank account that evening if your application was made before 2 pm AEST

It really is that easy!