Payday Loans Australia

Online payday advance lender

Looking for payday loans online, Australia?

Wondering how to choose the best payday loans in Australia?

Want payday loans in Australia with no paperwork?

Cash Today has just what you’ve been looking for.

Lending options for Australians

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 2pm AEST.

Are you looking for smaller cash advance amounts of $100, $250, $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 pay cheque. Alternatively, you may have extra expenses and want to split repayments over multiple pay cycles. In situations like this, our small personal loans could be an option for you.

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.

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.

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!

Weekly Repayments:

Establishment Fee:

Monthly Fee:

 FAQ: Guaranteed Payday Loans No Matter What

Do you only offer payday loans in Australia?

That’s correct! Cash Today are an Australian lender, our team are based in Australia. We offer cash advances to Australian residents 18 years and older. We are proud to have been offering short term cash solutions to Aussie’s since 2006. You’ll find that we have a long track record of exceptional customer service. We are also known for our 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! Something has come up that you haven’t planned for. You need emergency money to cover the costs. There’s nothing worse than long wait times for your funds to clear. The good news is, if you have submitted your application before 2pm 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. We do this 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. You may have a less than perfect credit score, or 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. We decide this when we can establish a history of regular income being paid to you. 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.

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.

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. 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 a Cash Today application 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 PDF’s 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 required. It takes just moments and we will have everything we need.

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 FAQ’s 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 2pm AEST that same day, the funds will be at your disposal to make use of over the weekend. This can be helpful as you won’t be forced to ask friends or family if you can borrow the extra cash.

So what about 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 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. If 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 pay cheque clearing. Perhaps you need to help out a family member or friend, and that’s left your bank account balance looking a little low until the next pay cycle.

There are always unexpected expenses that will arise. You may have a little bit of 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. An example might be that firstly you receive an electricity bill that is more expensive than you expected. Secondly, your car breaks down and you need extra cash for the mechanic bill. Thirdly, your fridge suddenly stop 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 all at once. 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.

Why apply?

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, 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 could be time consuming or challenging. What appears to be a simple online process could then lead to requests for supporting documents, more forms, or back and forth communications with the bank to get approved.

Requesting to borrow money from people in your social network or family can often be uncomfortable for you, them, or both of you. You may have to give an explanation about why you need the money. You 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.

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 so 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 workout 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 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.

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 with placing 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, and 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 knowing that you can trust that there will be no hidden fees or high interest rates.

Start with reading our terms and conditions. If you feel that we have the solution that you need, you’ll be happy to hear 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 to your account that same evening.