Payday loans Australia Wide
Looking for payday loans online, Australia?
Wondering how to choose the best payday loans in Australia?
Want payday loans with no paperwork?
How much do you need to borrow?
Lending options for Australians
Published: 30 June, 2020
Last Updated: 28 June, 2022
Are you looking for fast payday loans in Australia? Then you’ll love that we offer same-day bank transfers into your account. Cash Today could be just the lender you’ve been looking for because we make it easier than ever to apply and get approved. Firstly, we offer easy online applications with no paperwork required. Secondly, we have fast verification of online bank statements. Lastly, we have same-day approval and cash deposited that evening. Simply make sure that you have completed your application before 2 pm AEST.
Are you looking for smaller cash advance amounts of $100, $250, or $500? Or larger amounts up to $5000? If so, we can help you get money quickly, right when you need it most. An example might be that you are just looking for a little bit of a buffer while you wait for your next paycheque. Alternatively, you may have extra expenses and want to split repayments over multiple pay cycles. Our small personal loans could be an option for you in situations like this.
Why choose Cash Today?
You can forget about long application forms, waiting days for approval, or having to ask friends or family for a loan. When you need extra cash today, you will be reassured to hear that Cash Today has been a leading Australian lender since 2006. Our past customers have appreciated the friendly and personable service, fast approvals, and quick payments. So much so, that we have hundreds of returning customers every year.
Are you wondering about our fees and repayments? Then you can use our easy repayment calculator below for amounts up to $500. Check how much you will be paying with a payday advance loan. You can then decide whether you think the repayments would be affordable for you. Once approved, we offer guaranteed payday loans no matter what Australia wide with same-day payments.
Which payday loans are the best?
The best payday loans have very clear fees and charges, transparent repayment schedules, and an excellent reputation for customer satisfaction and positive reviews. It’s also a loan that fits your individual circumstances, is affordable, and easy and quick to apply for.
Calculate Your Repayments
Like thousands of others since 2006, you can count on Cash Today for speedy funds to help out with an emergency, unexpected bill, or opportunity you just can’t miss!
Table of contents
- Do you only offer payday loans in Australia?
- Will my loan be approved today?
- Do you offer payday loans in Australia with no credit check?
- Am I eligible for a loan with Centrelink benefits?
- Do you offer payday loans online?
- Do you offer payday loans no bank statement required?
- Do you offer weekend payday loans?
- How fast are your payday loans in Australia?
- Why would I need a loan?
- Why apply?
- How payday loans work
- Advantages and disadvantages
- Alternatives to lending
FAQ: Guaranteed Payday Loans No Matter What
Do you only offer payday loans in Australia?
That’s correct! Cash Today is an Australian lender, and our team is based in Australia. We offer cash advances to Australian residents that are 18 years and older. In addition, we are proud to have been offering short term cash solutions to Aussies since 2006. As a result, you’ll find that we have a long track record of exceptional customer service and positive ratings with high satisfaction. Cash Today prides itself on offering easy and simple online loans, transparent fees and charges, and no hidden surprises.
Will my loan be approved today?
We get it, you need cash, and you need it fast! Perhaps something has come up that you hadn’t planned for. You need emergency money to cover those costs. There’s certainly nothing worse than experiencing long wait times for your funds to clear. The good news is, if you have submitted your application before 2 pm AEST Monday to Friday, you’ll get an approval status confirmed within hours. We won’t make you wait for days. Once you are approved, we will deposit the cash into your bank account that same evening. This is processed via instant online bank transfer.
Do you offer payday loans in Australia with no credit check?
There are plenty of reasons why you might not want us to perform a credit check as part of your application. Firstly, you may have a less than perfect credit score. Secondly, you would rather a credit search not be recorded. It is possible for you to be approved for a loan from Cash Today even with bad credit. You can also make a request for no credit check application.
So, you’ll get the convenience of a same day approval decision for smaller or larger loan amounts. You could have the funds paid the same day as long as we can see that the repayments are affordable for you. We decide this when we can establish that there is a history of regular income being paid to you from an employer or other income source. If you would rather not have a credit check on your record, we can help.
Therefore, if you apply for Cash Today lending our team of real people will take into account all of the factors in your financial situation. Not just your credit score. Payday loans from Cash Today can be tailored to you and your circumstances.
Am I eligible for a loan with Centrelink or government benefits?
Are you an Australian Centrelink customer, or are you receiving government benefits of another kind? If so, then you could be approved for small loan amounts by Cash Today. We will consider all forms of income when we review your application. We take this into account as well as considering the total loan amount.
As a responsible lender, our dedicated team will approve applications where we feel confident that you can afford the repayments for the loan. We take into account the complete financial picture in making lending decisions. You are not automatically disqualified if you receive a Centrelink payment.
The best chance of being approved if you are receiving Centrelink benefits is if you also have regular income paid by an employer, such as part-time employment.
Your chances of being approved for a payday loan are lower if you are submitting an application with your only income source being Centrelink or other government benefits.
Payday loans online?
Payday loans online Australia are one of the easiest ways to get approved fast for small loan amounts under $2000. We offer a completely online application process for your convenience. You can complete the application on your phone, tablet, or desktop computer. This will make applying simple and takes less than 5 minutes. An online application means payday loans – no paper bank statements required.
So, gone are the days where you get stuck filling out pages and pages of paperwork. Waiting days to get approved, then waiting even longer for your loan funds to be released. With Cash Today applications for payday loans, you’re done in minutes and will hear back from us fast.
Do you offer payday loans no bank statement required?
We know that you hate scanning paperwork. It’s time-consuming to have to download PDFs and attach them to your application. Struggling to get the right file size can be frustrating. That’s why we have an automatic bank verification method that allows us to view a read-only copy of 90 days of bank statements.
Firstly, you will simply grant us secure access to the statements only (not your bank accounts). This is done in seconds via your Netbank as part of the application process. So no printing, scanning, or uploading is required. It takes just moments and we will have everything we need. Then we can assess your application and provide you with an approval decision quickly.
Do you offer payday loans online in Australia?
Yes, we do! Our applications are 100% online and can be submitted 24/7, 7 days a week. You can apply on your mobile phone, tablet, laptop, or desktop computer in just a few minutes.
It’s never been easier to take advantage of a short term solution to help get you out of a bind. Check out our FAQs if you want to learn more.
Do you offer weekend payday loans?
Do you need cash paid for the weekend? You can get your approved loan amount deposited into your account Friday evening. As long as you have submitted your application before 2 pm AEST that same day, the funds will be at your disposal to make use of over the weekend. This can be helpful if you would prefer not to ask friends or family if you can borrow the extra cash.
So what happens if you don’t have time during the week to apply? If you are running short of time during weekday business hours, you are able to submit your application on weekends instead. You will then receive your short term loan approval status on the following Monday.
How fast are your fast payday loans in Australia?
Once you’ve submitted the details we need in your application, you’ll receive a decision within just a few hours. If you are approved you will have the funds deposited into your account that very evening. In instances where you need funds paid the same day, a Cash Today advance could be just what you are looking for.
Why would I need a loan?
There are many reasons you might opt for a short-term cash advance. It could be that you’ve had an expense arise that you hadn’t budgeted for. Or there may be a delay in your paycheque clearing. Perhaps you need to help out a family member or friend, and that has left your bank account balance looking a little low until the next pay cycle.
There are always unexpected expenses that can arise. Perhaps you have some savings set aside for situations like this, but sometimes more than one bill takes us by surprise. Therefore, you may find that you need to explore lending options.
Let’s explore an example of a situation where you may require a quick loan. Say that firstly, you receive an electricity bill that is more expensive than you had expected. Secondly, your car breaks down and you need extra cash for the mechanic bill. Thirdly, your fridge suddenly stops working. All of this in the same week!
Sometimes bad luck comes all at once, and you might not have the financial flexibility to deal with it. Your savings can’t quite buffer the full costs you are faced with. This can be frustrating when you’ve done your best to plan and budget.
So, if events out of your control have left you scrambling for solutions, a simple and quick advance from Cash Today could help you get back on track. Our lending options could help take some of the stress out of the situation.
Emergencies can arise. It’s not always possible for you to have extra cash on hand to cover the expense. Your credit card may be an option that you consider but credit cards can come with high-interest rates, especially for cash advances. If you don’t remember to make extra repayments above the minimum amounts, paying off the balance can be a very difficult, costly, and drawn-out process.
Taking out a personal loan with your bank can also be time consuming or challenging. What appears to be a simple online process could then lead to requests for supporting documents or more forms. The back and forth communications with the bank to get approved can be frustrating.
Requesting to borrow money from people in your social network or family can sometimes feel uncomfortable for you, them, or both of you. You may be obliged to offer an explanation for why you need the money. It may not feel great giving out details of your financial position to others. Others may feel obligated to help but be stretched financially themselves.
Any form of lending will come with its own set of pros and cons. In order for you to make the best choice for your individual set of circumstances, you need to be able to understand all of the risks and benefits of the options that you are exploring. Having all the information can help you in making an informed decision from there.
There is no perfect choice, but we suggest that you look at our fee structure, plus the convenience of the quick and easy application process. This might help you to decide if a payday advance is the best course of action for you. If you have any other questions please feel free to contact us, we would love to help.
How payday loans work
Payday loans are a type of short-term loan that can help you cover unexpected expenses or tide you over until your next payday. They’re sometimes called cash advances or check loans.
Payday loans are generally easy to qualify for, and they can be a quick and convenient way to get the cash you need. But they do come with some risks, so it’s important to understand how they work before you apply.
Advantages of payday loans:
Payday loans can be a good option if you need cash quickly and don’t have many other options. Some of the advantages of payday loans include:
– They’re easy to qualify for. You can sometimes get approved for a payday loan even if you have bad credit.
– They’re quick and convenient. You can usually get the cash you need within 24 hours.
– You can use them for unexpected expenses or to tide you over until your next payday.
Disadvantages of payday loans:
Payday loans also come with some risks. Some of the disadvantages of payday loans include:
– They can be expensive. There are fees charged on payday loans, so you will need to consider the total loan repayment amount.
– You could get trapped in a cycle of debt. If you can’t repay your loan on time, you may be tempted to take out another loan to cover the first one. This can lead to a cycle of debt that can be hard to break.
– They’re not always a good solution. Payday loans should only be used as a last resort, and you should look for other options first.
Before you apply for a payday loan, make sure you understand the risks and disadvantages. This will help you decide if a payday loan is right for you.
Why payday loans are bad
In some situations, payday loans may not be the ideal choice. As payday loans are generally paid back quicker than other types of loans, the repayments may be higher amounts. Depending on your circumstances, it may create financial strain to make these repayments, in which case other options should be explored.
What are my other options?
There are certainly other alternatives to payday lending. If you are currently receiving government benefits you may be eligible for a payment advance on your Centrelink payment. Check at your local Centrelink office, ask over the phone, or check your options online to see if you are eligible and what is involved.
You could also choose to adjust your living expenses. Are you able to tighten your budget for a few weeks? Would this enable you to get back on track with your finances? There are some great online budgeting tools available for helping to work out your income vs. expenses and formulate a plan.
It also could be possible to negotiate alternatives with your service provider directly. Firstly, you could request an extension on payment due dates for some bills. Secondly, you could arrange for a payment plan. You can often avoid being charged overdue fees, or extra admin fees if you contact your provider directly and negotiate an alternative arrangement with them.
Another option is that you could also ask to borrow money from a friend or family member. This could be a good choice if they are in a position to lend you money temporarily if you feel comfortable with asking, and lastly that you are confident you can repay them quickly. Cash advances on your credit card may not be the best choice due to the high-interest rate and fees associated.
What if a Cash Today loan is still my best option?
Have you explored all of the options above and they just won’t work for you? Perhaps it will take too long. Or, you don’t feel comfortable placing an extra burden on your friends or family. If you’ve decided against choosing an alternative, then a Cash Today advance could be helpful. You will know exactly what you will be paying in total from the outset.
We offer flat fixed fees and charges, split over flexible repayments over a short time period. There are no surprises, so you know exactly what you’re paying each week and when the loan will be repaid in full. You can see the total costs before you apply. This will help you decide whether the repayments are affordable for you. Best of all, you can apply with confidence. You can trust that there will be no hidden fees or high-interest rates with a Cash Today loan.
Start with reading our terms and conditions for payday loans. If you feel that we have the solution that you need, you’ll be happy to learn that applying is so easy, and takes less than 5 minutes. You’ll hear back from us within hours to find out if you have been approved. Then just sit back and relax knowing that the money will be deposited into your account that same evening.