Payday Advance Loans
Get an advance today
When unexpected expenses can’t wait until payday, a payday advance loan from Cash Today offers a quick, hassle-free way to get the funds you need — fast.
Whether it’s a surprise bill, urgent car repair or medical cost, our streamlined application process and instant transfer system are designed to help you access money quickly, without the stress.
At a Glance: Payday Advance Loan Summary
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Loan Amount: $300 – $2,000
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Loan Term: 1 – 4 weeks
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Fees: Flat 5% transaction fee
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Interest: $0 interest (not applicable)
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Credit Check: May not apply (varies by lender)
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Repayment: One-off repayment or flexible repayment schedule
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Transfer Time: Often within the hour once approved
Updated by Steve Stemp on 10/7/25
Payday Advance Loan
Loan amounts: $300 - $2,000
Loan term: 1-4 weeks
Transaction fee: Flat 5% of loan amount
Repayment Calculator
Why Choose a Cash Today Payday Advance Loan?
✅ No interest. Just one flat fee
✅ Quick pre-check with no impact on your credit score
✅ Simple online application – mobile-friendly
✅ Fast transfers directly to your bank account
✅ Available to part-time workers, Centrelink recipients & casual earners
How It Works
1: Check your eligibility (it only takes 60 seconds and won’t affect your credit score)
2: See what amount you qualify for – we’ll match you with the lender most likely to approve you
3: Apply online – no paperwork, no uploads
4: Get paid fast – if approved, your funds could be in your account within the hour
Transparent Fees
With payday advance loans through Cash Today, you pay one flat transaction fee – 5% of the loan amount. That’s it.
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No establishment fees
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No interest
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No monthly charges
Example: Borrow $500 → Repay $525 total.
Who Can Apply?
Payday advance loans are designed for Australians who need quick access to funds, even if their credit history isn’t perfect. You may qualify if:
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You earn regular income from employment or Centrelink (minimum income applies)
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You’re 18+ and reside in Australia
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Your bank statements show no dishonours, recent payday loans, or risky financial behaviour
✅ Centrelink income is accepted, but cannot exceed 50% of your total income.
Need More Flexibility?
If you’re looking to borrow more than $2,000 or need a longer loan term, check out our Small Loans.
FAQ: Payday Advance Loans from Cash Today
How fast can I receive the funds?
If your application is approved and accepted, you could receive your funds within the hour, depending on your bank’s processing times.
Will this loan affect my credit score?
No – checking your eligibility won’t impact your credit score. A credit check may be performed only after you’re matched with a lender and choose to proceed.
Can I apply if I’m on Centrelink?
Yes. We assess Centrelink as income as long as it’s under 50% of your total monthly income and you meet our other approval criteria.
Do you offer no credit check options?
Yes, some lenders on our panel may offer payday advance loans without a credit check. Your eligibility will be assessed upfront.
What if I can’t repay on time?
You’ll need to contact the lender directly as soon as possible. They may offer hardship options or flexible repayment plans.
Trusted by Australians Since 2006
We’ve helped thousands of Aussies get fast access to payday advances when it mattered most. With clear fees, fast service, and a responsible lending approach, we’ve built our reputation on trust.
Ready to Apply?
Click below to check your eligibility — it only takes a minute and won’t affect your credit score.
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