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Looking for Payday Loans (No Credit Check)?

Responsible Payday Loan Alternatives
& No Credit Check Options

Need a short-term loan for an unexpected expense? Looking for a fast approval decision & simple online application? Find out about our easy and quick solutions to help with your temporary cashflow setback.

Second Chance Loans:

  • No credit check loans of $500

Emergency loans:

  • Same-day funding loans up to $5,000

Updated 13/5/24

short term loan no credit check

Cash Today short term loans

We understand you’re looking for payday loans with no credit check. While Cash Today prioritises responsible lending practices and doesn’t offer traditional payday loans, we do offer alternative short term loans and no credit check loans that might be an even better fit for your situation.

Comparison: Payday Loans vs. SAAC/MAAC Loans


Feature Payday loan SAAC/MAAC Loan
Cost Higher fees (establishment fees, ongoing fees, administration charges) Lower fees/interest rates
Repayment Term Short (e.g. 2-5 weeks) Longer (months)
Lending Practices Less stringent Responsible lending practices
Additional Benefits None Options for flexible repayments and fee waivers in cases of hardship
Regulation Regulated, but fewer customer protections. Regulated under the National Consumer Credit Protection Act (2009)

Understanding Your Needs & Offering Responsible Solutions

We understand that unexpected expenses can happen to anyone.  Car repairs, medical bills, or utility shutoff notices can create a temporary financial strain. You might be considering a payday loan to bridge the gap, especially if you have a limited credit history or past missed payments that make traditional loans difficult to obtain.

Cash Today prioritises responsible lending practices.  While we don’t offer traditional payday loans, we understand the need for quick access to cash.  Here’s how we can help:


Alternatives to Payday Loans:

  • Second Chance Loan: This $500 no credit check loan is designed to help improve your credit score with on-time repayments. 
    • This could be a solution if you are looking for emergency loans for bad credit
  • Emergency SAAC/MAAC Loans: These government-regulated loans offer up to $5,000 with a credit check. They come with longer repayment terms than payday loans, making them easier to manage and less likely to lead to default.

Benefits of Cash Today Loans:

  • Same-Day Decisions and Funding: Get a decision quickly and potentially receive your funds on the same day (subject to approval). Cash Today loans with same day payout would need to be approved before 2 pm AEST.
  • Simple Online Application: Apply for a loan from the comfort of your home with our easy online process.
  • Competitive Rates: Our SAAC/MAAC loans offer competitive interest rates starting at 19% p.a., significantly lower than the maximum rate for payday loans (48%).
  • Fixed Rates (SAAC Loans): SAAC loans (up to $2,000) offer fixed repayment rates, making it easier to budget and manage your loan.

Understanding the Risks of Payday Loans:

While payday loans might seem appealing due to their ease of access, they come with significant risks:

  • High Costs: Payday loans typically have very high rates/fees, which can quickly add up if you’re not able to repay the loan on time.
  • Short Repayment Terms: The short repayment period (often 2 weeks) can be difficult to manage, potentially leading to a cycle of debt.
  • Increased Risk of Default: If you can’t repay the loan on time, you may face additional fees and penalties that could further strain your finances.

Cash Today Offers a Helping Hand:

We understand that financial difficulties can be stressful, especially when your credit score isn’t perfect.  Our loan options offer a responsible alternative to payday loans, with lower rates, longer repayment terms, and the potential to improve your credit score (with the Second Chance Loan).

Don’t settle for a high-cost, high-risk solution.  Contact Cash Today today to see if our Second Chance Loan or SAAC/MAAC loan options are a better fit for your situation.

How we work to help you


What we can offer you is an easy and quick solution to your temporary cashflow setback:

  • Super clear fees & charges. You will know exactly what you’re paying from the very start.
  • A simple repayment schedule, and it’s all automated for you.
  • Real customer service from real people, and an understanding of your individual circumstances.
  • Fast application time (<5 mins), decision time (hours or less), and same day bank transfer (once you have been approved).

Frequently asked questions

How could a no credit check payday loan alternative help me?


Sometimes you can find yourself needing cash fast through no fault of your own. Unexpected expenses, or the need for emergency savings can affect anyone at any time. Also, it’s not always simple to access your savings the same day. Alternatively, you may have to deal with multiple expenses in the same week. This could mean using up your emergency savings, leaving you short.

It’s also understandable that you may not wish for a credit check to appear on your credit history. You shouldn’t have to be affected negatively by a set of circumstances that were outside of your control. That’s why we offer short term loans with money paid the same day. Because we want to help you to get the cash you need fast, pay it back easily, and get back on track again.


What is a payday loan no credit check?


A payday loan no credit check is a type of loan that lets you avoid the longer waiting times of a regular personal loan. In addition, there is no credit history check required to get approved. These types of payday loans can be paid back quicker than your usual personal loan.

So you might repay it when you recieve your next income payment from your employer for smaller amounts. As an alternative, you might spread the repayments out over a couple of weeks. You could even make repayments over a few months if you have chosen larger loan amounts.

Cash Today offers small and medium loans with longer repayments terms as a lower risk options to payday loans.

Which payday loans are the best for bad credit?

No credit check loans are a lending option to consider if you have a bad credit rating. They allow you to apply for a loan with approval criteria that don’t take into account your credit rating. 

Cash Today offers $500 Second Chance no credit check loans as a payday loan alternative, but does not offer payday loans no credit check. 

How to get a payday loan without a check

If you would like to apply for Cash Today $500 no credit check loan as a payday loan alternative, you are more likely to be approved for an online loan if you:

1: Choose a small loan amount of $500, as this is less risky for lenders to approve
2: Can show regular income from your employer paid into your bank account
3: Have income vs. expenses in your bank account showing that the repayments would be affordable for you
4: Correctly fill in your application, and provide all the required documents 

How to get a quick loan with no credit check

You can increase how quickly your no credit check loan is approved if you:

1: Choose a small loan amount of $500, as this is easier for lenders to approve
2: Have your online banking login ready for the online bank verification
3: Get all of your identification documents ready to attach before starting the application process
4: Ensure your contact details are correct, including phone number and email, so that lender communication (including approval status and next steps) can be received quickly
5: Use a repayment calculator before applying, and be confident that you can afford the repayments

instant approval loans need cash today

Have you been searching for cash loans online? Would you like to borrow $500 with no credit check?

If you have been looking for easy loans, with fast approval, no credit check, and you need money paid to you today, we can help!

Moreover, applying is so simple. It takes just a few minutes. So, if you want:

  1. No credit check loans approved today
  2. A loan without lots of paperwork
  3. Cash paid today

Then an easy payday loan alternative could be just what you have been searching for.

Our fast loan approval process gets you an answer in just hours, not days. As a result, borrowing $500 is much simpler than you might think. So it’s ideal for when you want quick approval, need cash fast, and don’t want complicated and time consuming forms to fill out.

Who we are

Cash Today have a long history of helping out Australians with lending solutions since 2006. Above all, we offer a proven track record with 15+ years of reliability, and putting our customers first. So, we have positive reviews, we get great feedback, and we can be there for you when you need it most.

We understand that you are an individual. That’s why our team of real people will carefully review your application, and work with you to get the best result. Above all, there is simply nothing we enjoy more than helping out an Aussie in need. When short term liquidity is stopping you from achieving your goals, you can count on us to do our best to lend you a hand.

How we work

We offer lending choices to help you borrow $500 quickly and with ease. Plus, we also have options for larger loan amounts of up to $5000 but these may require a credit history check. Here’s how:

1: You decide on the amount of $500 that you want to borrow. Use our easy repayment calculator below to help you to decide.

2: Next, you jump online and complete our easy application. This takes just a few minutes.

3: Finally, keep an eye on your email inbox and then activate your account by following the simple instructions in our email.

4: You’ll find out if you’ve been approved for your payday loan within just a few hours.

5: Sit back and relax! If you have been approved, your money will be transferred into your bank account that same day.

What do we need from you?

To approve your application, we will need to check that you meet our lending requirements.


You will need to be:

1: An Australian resident

2: Over the age of 18 years old (an adult)

To confirm this, we will ask for a copy of your drivers licence plus a utility bill that shows your current address.


Can you easily pay back the loan amount?

We would never want your repayments to be more than you could manage, and so we check that you will be able to make repayments easily.

To do this, we will simply verify that you have regular income being paid into your bank account via your online banking.

To clarify, income can include payments from your employer, business, or government benefits such as Centrelink payments.

This is all done using a quick and confidential online process where you give us permission to view read-only digital bank statements. No scanning or uploading files required! 

Credit check

Lastly, we will usually perform a credit check. A good credit score makes it fast and easy for us to be confident in approving you.

However, some customers prefer to opt for a no credit check loan. That’s completely fine. We can also work with you in approving your loan without a credit check, as long as we can see that you meet our other lending criteria.