Payday Loans with No Credit Check: Smarter Alternatives from Cash Today

What is a No Credit Check Loan?

A no credit check loan lets you explore borrowing options without a lender reviewing your credit history upfront. Instead of assessing your credit score, lenders focus on:

• Your recent income (minimum $2,600/month)

• Your bank statement activity over the past 90 days

• Your overall financial profile and affordability

At Cash Today, you can find out if you qualify for a loan — without triggering a credit inquiry.

Why Do People Look for Payday Loans Without a Credit Check?

Many Australians consider no credit check payday loans when:

• They have a low or poor credit score

• They want to avoid affecting their credit file

• They need urgent access to cash

• They’ve been declined by traditional lenders

But true payday loans come with high risks: very short terms, high fees, and little flexibility. That’s why we offer safer, regulated alternatives — including our $500 no credit check Second Chance Loan.

What Loans Can I Get Without a Credit Check?

🔹 Second Chance Loan

• Loan amount: $500 (fixed)

• Credit check: ❌ Not required

• Best for: Bad credit or no credit history

• Benefits: Easy approval, may help improve score with on-time repayment

🔹 Payday Advance Loan

• Loan amount: $300 – $2,000

• Credit check: ❌ Not required

• Best for: Emergency short-term cash

• Terms: Repaid within 1–4 weeks

• Fees: Flat 5% of the loan amount

🔹 Centrelink-Friendly Loan

• Loan amount: Varies

• Credit check: ❌ Not required (in some cases)

• Eligibility: Must earn at least $2,600/month; less than 50% of income from Centrelink

• Best for: Low income earners with part Centrelink income

How Does the Process Work?

1. Check Eligibility
Fill in your details in under 60 seconds. No impact on your credit score.

2. Smart Lender Match
We review your application and bank data. Then we match you with the lender most likely to approve you.

3. See Your Loan Terms
Before any credit check, you’ll see your estimated loan amount, repayment structure, and fees.

4. Decide Whether to Proceed
Only proceed if the terms suit you. No obligation.

5. Get Funded
If approved, you could have the funds in under 1 hour (depending on your bank/lender).

Who’s Eligible for No Credit Check Loans?

To qualify for a no credit check or Centrelink-inclusive loan:

✅ Must be 18+ and an Australian resident
✅ Income of at least $2,600/month
✅ No more than 50% of income from Centrelink or benefits
✅ Bank statement must show affordability and financial stability

Are These Loans Payday Loans?

Not exactly. While some applicants may be matched with a Payday Advance Loan (e.g. $500 repaid in 2–4 weeks), Cash Today does not offer traditional payday loans with risky lending practices.

Instead, we offer regulated alternatives, including:

• SAAC Loans ($400–$2,000) — 20% establishment + 4% monthly fee

• MAAC Loans ($2,001–$5,000) — 19–48% p.a. interest, longer terms

• Large Loans ($5,001–$80,000) — 7.24–19.99% p.a., secured or unsecured

Why Choose Cash Today?

✔ No impact on your credit score to check eligibility
✔ Fast matching with 60+ lenders
✔ Transparent fees — no surprises
✔ Funds could arrive in under an hour once approved
✔ Support for low-income, Centrelink, and poor credit applicants
✔ Personalised loan matching based on your current finances — not your credit past

What If I Have Bad Credit?

If your credit score is low, you may still qualify.

Some lenders in our network do conduct a credit check, but still approve bad credit applicants if:

• Your bank account shows stable income and affordability

• There are no dishonours, gambling, or wage advance transactions

• You meet all other lending criteria

What Disqualifies an Applicant?

Your loan application will be declined if any of the following apply:

🚫 You opened a personal loan in the past 90 days
🚫 You already have 2+ payday loans under $2,000
🚫 Bank statement shows gambling, dishonours, arrears, or wage advance apps
🚫 You’re currently bankrupt

Key Takeaway

Looking for fast, no credit check payday loan options that are safer and more affordable? Cash Today offers:

• Pre-qualification with zero credit impact

• A $500 no credit check loan (Second Chance)

• Payday Advance loans for emergencies

• Government-compliant SAAC/MAAC alternatives

• Funds could be paid in under 1 hour once approved

Accept your loan offer, and you could have funds in under an hour.

Find out more…