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Car repair loans.
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Get approved for up to $5000 quickly.
Easy application & cash paid today.
Simple and transparent fees.

So when you are looking for fast approval loans for unexpected car expenses and need cash today, we have you covered.

Last updated on February 6th, 2024.

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 payday loan amount up to $5000.


Fast Results

Secondly, 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

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.

Loans for unexpected car expenses


Unexpected car repairs and expenses are an unfortunate reality that many of us will experience at some point in our lives. From a flat tire to a major engine malfunction, these expenses can quickly add up and leave us in a financial bind.

If you find yourself in this situation and don’t have enough cash to cover the repairs, a payday loan could be a good option to consider.


Types of Unexpected Car Expenses


There are many types of unexpected car expenses that can arise, ranging from minor repairs to major replacements.

Some common types of unexpected car expenses include:

  • Engine repairs: This can include issues with the transmission, timing belt, or other critical components of your car’s engine.
  • Brake repairs: If your car’s brakes are malfunctioning, this can be a serious safety issue that requires immediate attention.
  • Suspension repairs: Issues with your car’s suspension can lead to a bumpy ride and can also be a safety concern.
  • Electrical repairs: If your car’s electrical system is malfunctioning, this can affect everything from your lights to your air conditioning.
  • Tire replacements: If your tires are worn out or have a puncture, they may need to be replaced entirely.

Reasons You Might Not Have Enough Cash to Cover These Expenses


Even if you’ve been saving diligently, unexpected car expenses can still be a challenge to cover. There are many reasons why you might not have enough cash on hand to pay for these repairs, including:

  • Limited income: If you’re living paycheck to paycheck, unexpected car expenses can be especially difficult to cover.
  • Low savings: If you haven’t been able to save much money, unexpected car expenses can quickly deplete your emergency fund.
  • Other financial obligations: If you’re already carrying debt or have other financial obligations, unexpected car expenses can be an added burden.
  • Poor credit: If you have a low credit score, you may not be able to qualify for a traditional loan or credit card to cover these expenses.

Why a Cash Today Loan Could Be a Good Choice to Help Cover Unexpected Car Expenses


If you’re in need of cash to cover unexpected car expenses, a payday loan from Cash Today could be a good option to consider.

Here are some reasons why:

  • Quick approval process: Online loans are designed to provide fast access to cash when you need it most. At Cash Today, we typically process applications within hours, so you can get the funds you need quickly.
  • No collateral required: Unlike some other types of loans, online short term loans don’t require you to put up collateral such as your car or house.
  • Easy qualification: At Cash Today, we have a simple qualification process. As long as you have a steady income and a valid bank account, you may be eligible for a payday loan.
  • Flexible repayment options: We understand that unexpected expenses can be difficult to budget for, which is why we offer flexible repayment options to help you manage your loan.
instant approval loans need cash today

The Requirements for Getting Approved for a Loan by Cash Today


To be approved for a quick online loan from Cash Today, you’ll need to meet the following requirements:

  1. Be at least 18 years old.
  2. Have a regular source of income, such as a job and/or government benefits.
  3. Be an Australian citizen or permanent resident.
  4. Have an active bank account in your name.
  5. Provide a valid phone number and email address.
  6. Be able to afford repayments

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 up to $500 quickly and easily. We also have options for larger loan amounts of up to $5000. 

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

Reasons You Would Want to Find Alternative Lending Solutions and Not Use an Online Loan to Cover These Expenses

While payday loans can be a helpful option for covering unexpected car expenses, there are some situations where you may want to consider alternative lending solutions.

Here are a few reasons why:

  1. Fees: Payday loans typically come with fees, and so if there are options for borrowing money from friends or family, or withdrawing from savings, these may be better options in the long run.
  2. Short repayment terms: Payday loans are typically due on your next payday or split over multiple subsequent pay cycles, making it difficult to repay the loan if you’re already living paycheck to paycheck.
  3. Risk of debt cycle: If you’re unable to repay the loan on time, you may be subject to additional fees and charges, which can lead to a cycle of debt that’s challenging to break out of.
  4. Negative impact on credit score: If you default on a payday loan, it can have a negative impact on your credit score and make it more difficult to obtain credit in the future.

If you’re concerned about any of these factors, you may want to explore other lending options such as personal loans, credit cards, or overdraft protection.


Borrow an amount between $1000 and $5000

Pay 20% establishment fee + 4% monthly fee


Repay the total loan amount over weeks/months

Example loan calculations:

Working out your repayments is simple! We charge a 20% establishment fee with an additional 4% of the principle amount per month. 

So for a loan amount of $1000, the borrower would pay a $200 establishment fee (20% of $500) plus $20 a month (4% monthly fee).

Therefore, the total loan amount would be $1240, if you opted for weekly repayments of $256 over 5 weeks.

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.