Payday loans

Get money today.
No credit check for under $2000.
Money paid fast.

How much do you need to borrow?

Need a higher loan amount? 

Payday advance loans

Get cash to see you through until your next pay cycle

Payday loans - no bank verification

Can I get a no bank account verification payday loan?

Payday loans in Australia

Requirements for getting approved for a payday loan in Australia

Payday loans no credit check

Getting a loan without a credit rating check

Payday loans and Centrelink

Centrelink or other government benefits and getting a loan

Urgent payday loans

Payday loans paid quickly for urgent expenses

Easy Secure Application

Applying for a fast cash loan is easy and quick. In less than 5 minutes you can apply for a Cash Today loan amount up to $5000.


Fast Results

Once your application is submitted, our team can approve your payday loan quickly. You’ll get a decision within hours instead of days.

Same Day Payments

Once you’ve been approved we will deposit the money into your bank account the same evening if your application was made before 2pm.

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:

Looking for payday loans online in Australia for amounts up to $5000?

Want easy payday loans or small payday loans where your money is paid fast?

Need money today? Don’t want mountains of paperwork, and long application processes

Want emergency cash no credit check?

Our fast payday loans could be just what you’ve been looking for. 

Cash paid today with no credit check 

Are you searching for a fast loan with an easy online application process and quick approval? Cash Today payday loans no credit check could be just what you’ve been looking for. Find out more and borrow money now with our quick cash loans.

Transparent fees, flexible payment options, and same day approvals for loan amounts up to $5000. Our terms and conditions are super simple to understand, so there are no unwelcome surprises. We offer emergency cash loans, no credit check required.

The Cash Today difference

Servicing thousands of satisfied customers since 2006, you can count on Cash Today to deliver your cash when you need it fast. Applying is so simple! In just a few minutes you can complete the online application form from your phone or desktop for payday loans no credit check. No filling out complicated paperwork or lengthy forms required! You’ll be provided with all the information that you need about the affordable repayments and fees. We make is so easy for you to make an informed decision that is right for you.

There’s a reason that Cash Today has been the lender of choice in offering quick cash for hundreds of return customers every year. With us, you’ll get real service from real people. We understand that you are not your credit rating. Cash Today can help you get money fast when you need it whether you have bad credit, prefer a no credit check application, or are receiving Centrelink payments.

Emergency cash loans no credit check

Have you gotten an unexpected bill? Are you dealing with an emergency or medical expense that you weren’t planning for? Has an opportunity has presented itself and you just can’t let it pass you by? A fast and easy online loan from Cash Today could get you the money you need, right when you need it. If you prefer not to have a credit check appear in your history, we can work with you on that too. payday loans no credit check, no problem.

What is a Payday Loan?


Also known as a small amount loan, or a cash advance loan, it is a lending option that allows you to borrow loan amounts generally less than $2000-$5000. These same day cash loans can be payed back faster than a traditional personal loan. Amounts borrowed could be as small as $100, and the duration of lending as little as 6-7 days. An example would be repaying the loan with your next pay cheque for smaller amounts. You may alternatively choose to spread the repayments over weeks or months for larger amounts. Different payday lenders can offer different fee structures, so it’s important that you understand clearly your repayment amounts and schedule, as well as the fees charged.

How do I repay the loan?

Cash Today are fully transparent with our fees and take responsible lending seriously. Our lending options have the simple fee structure of a 20% establishment fee plus 4% of the principle amount per month until the loan is repaid. You can use the lending calculator below to help you work out your repayments. This can assist you in making an informed decision about whether a payday advance is right for your individual circumstances. Your repayments will be made via automatic direct debit from your bank account, so you have the peace of mind that you’ll never forget a payment.

What is an emergency cash loan no credit check?

An emergency cash loan is a loan to help you to deal with an emergency requiring extra cash for an expense that you weren’t able to plan for. If you need this type of loan, you may not wish for a check to appear on your credit history. At Cash Today we don’t feel that it should have to impact your credit history if you have been hit with an expense you couldn’t predict. For this reason we are happy to be able to offer alternatives for meeting our lending criteria that can get you approved without a credit check.

FAQ: Lending from Cash Today

Do you offer payday loans no credit check?

Looking for Payday loans Australia no credit check? If you’re worried your credit rating could stop you from getting approved, or you don’t want a credit check recorded, we would like to reassure you that Cash Today can help.

We make our approval decisions by looking at far more than just your credit score. As a responsible lender, in addition to your credit core we also take into consideration your regular income paid into your bank account, as well as your usual everyday expenses. With this information we can make a judgement about your ability to repay the amount owing, and we can grant small loan approvals regardless of your credit rating.

Let’s say for example that you want to borrow $500. We can see that you have a regular income being deposited into your bank account fortnightly, and based on your usual expenses we can see that you can easily afford the weekly, fortnightly, or monthly repayments without experiencing significant financial stress as a result. You have specified that you would prefer not to have a credit history check performed. In a situation like this you could still satisfy our eligibility criteria, we may be able to approve your application without a credit check.

Cash Today payday loans for bad credit instant approval?

Is your credit rating less than ideal? Looking for a bad credit loan? You could potentially still borrow money with a cash loan from Cash Today despite bad credit.

If you have been searching for payday loans for bad credit with instant approval, you’ll be happy to hear that we offer fast turnaround times for our approval decisions. One advantage of applying with us is that we are a team of real people. Sometimes fully automated processes can make it less likely that you will be approved.

We will take the time to consider your individual circumstances, and can offer same day approval decisions for small loan amounts where we can see that the repayments are affordable for you. We will need to see and that you have stable consistent income being paid into your bank account regularly, and that making repayments would not be financially stressful.

We understand that life isn’t perfect, and a bad credit rating can happen to the best of us. Sometimes unexpected expenses arise that you haven’t been able to plan for, and we are happy to be able to offer bad credit payday loans in Australia when you need it most.

No credit check loans guaranteed in Australia for Centrelink customers that meet our lending criteria.

Cash Today payday loans – Centrelink approved?

A common concern for many people considering a loan is whether or not government benefits would be accepted as a valid income in their application by payday lenders. Centrelink customers can in fact be approved for small loans with Cash Today. We will take into account all forms of income in your loan application, as well as the requested amount.

As a responsible lender it is important to us that our team make approval decisions when we are confident that you can afford the repayments. Payday loans no credit checks Centrelink income, or payday loans Centrelink bad credit customers could be approved in just hours, as we take into account the whole financial picture when making our lending decisions.

If for example, you work part time and receive supplementary income from some form of government benefits, your credit score is great, and your regular expenses aren’t excessively high, we could approve an application within hours. We would carefully consider the total loan amount, and approve if we can see that the repayments are amounts that you could easily afford.

No credit check loans guaranteed Australia – Centrelink?

If you were wondering whether we offer Centrelink income applicants the same no credit check loans as employees, the answer is yes! There are many reasons why you may not want a credit check to appear in your history. If you would prefer to submit an application for Centrelink loans – no credit check, we will take into account all income regularly paid to you. This includes Centrelink payments or other government benefits. All of our loans come with the same same day payment guaranteed, as long as your application has been submitted before 2pm AEST and approved. Payday loans – no credit check – no problem. Centrelink loans no credit check, also an option with Cash Today.

Payday loans online?

Payday loans online Australia are one of the easiest ways to get approved fast for small loan amounts under $2000, or even for amounts up to $5000. An online application form that you can complete on your phone, tablet, or desktop computer makes applying simple. Applying takes less than 5 minutes. An online application means payday loans – no paper bank statements required. Payday loans no credit check required.

The first step is to fill out your details. Next you will be asked to offer approval for us to view a read-only 90 day bank statement via your online banking platform. We can use this to verify your income and expenses easily and quickly. No downloading PDF’s and attaching documents, or lengthy paperwork and printers required with our online payday loans. Don’t worry – this process doesn’t give us any form of access to your bank accounts themselves, or your net banking login details.

It’s never been easier or simpler to get approved for a short term loan from Cash Today.

Guaranteed payday loans no matter what in Australia?

We are proud of our reputation as a reliable lender, and value our customers. If you’ve been approved for a Cash Today loan we guarantee you will be paid your money fast. If you made your application before 2pm AEST, the money will be electronically deposited into your account that same evening.

Same day payments help get you the money you need, when you need it quickly, with minimal fuss. Let’s not forget our friendly service, and team of real people working to help offer a solution to your short term financial problems with a smile.

What are small payday loans?

If you are looking for a small loan, you might opt for one of our options for amounts less than $500. These can be helpful if you just need a payday advance. In other words, you are short on cash but you can repay the amount once your paycheque comes in. These types of cash advances are most often used for unexpected bills such as a trip to the dentist, or a vet bill. You could opt for $100, $250, $350, even $500 based on the repayments you are able to manage.

Let’s say for example, that there are flights, electronics, work equipment, or appliances that are highly discounted at the moment, and this is a time sensitive offer. This may be a purchase you were always planning to make at some point, but you didn’t have the funds set aside just yet. You do a quick calculation, and you see that in the long run purchasing now would save you money. You don’t feel comfortable borrowing from family or friends. You don’t have a credit card, and your savings are in a term deposit and so not easily accessible.

You’ve looked at the Cash Today fees, and the amount you would save if you didn’t have to pay full retail price exceeds the fee expenses. In a scenario like this, applying for a Cash Today loan could get you cash fast that would help get you ahead financially in the long run. You apply online, get an email back saying you have been approved, and the cash is deposited into your bank account that evening.

Making it possible for our customers take advantage of opportunities that they would otherwise miss?  That’s just one of the many reasons we love being able to offer easy short term lending solutions to Australians.

Does Cash Today offer instant payday loans?

Let’s get real. Nobody has the time for lengthy applications that take days to get approved. The last thing you want is to fill out lengthy forms, or wait a week to receive your money. That’s where Cash Today lending really stands out from the crowd.

Once you submit your application (don’t worry, it only takes a few minutes), our team works fast to get you a decision on your application. If you are approved the process of electronically depositing the money into your account uses instant bank transfer that very same day. Please note that while this process is instant from our end, transfer delays may apply depending on your financial institution. In general transfers for payday loans Australia are paid quickly and easily.

What are the best payday loans?

If you are wondering how to choose a payday advance loan that is best for you and your individual circumstances, there are a few things to look out for. Make sure to choose a payday advance with clear upfront fees and no extra hidden costs. It’s always a good idea to check for predominantly positive reviews, as well as an established track record as a responsible and reliable lender. If you would prefer a credit check to not appear in your credit history, look for a lender that can offer you a payday loan with no credit check as an option. Check for unhappy past customers, a history of charging extra or excessive fee amounts, or unhelpful customer service.

Cash Today are proud to have been helping Australian’s get cash when they need it since 2006. Some of our loyal customers have said they think we offer the best payday advance cash loans in Australia, along with with the friendliest customer service.

Do you provide same day payday loans?

Our easy payday loans come standard with same day approval if you complete your application before 2pm AEST. Fast payday loans are important for when you need money quickly to handle an unexpected expense. We work with you to get you cash fast, right when you need it most. Our payday loans – no credit check required – approved quickly when you need it.

Quick payday loans?

The fastest way to get a cash advance loan is to carefully consider the amount that you want to borrow, and use our repayment calculator above to check the repayments and fees you can expect to pay.

Once you’ve decided on an amount that you feel comfortable with, the application process takes less than 5 minutes, and you’ll get a decision via email within hours.

Payday loans Australia

Payday loans in Australia are governed by strict lending criteria as per the National Consumer Credit Protection Act 2009. You can find out more about this act here.

Even applications for small loan amounts such as short term loan in Australia must be assessed carefully to ensure that they meet criteria for responsible lending. Here at Cash Today we pride ourselves on offering quick loans to Australians in need that are both fast and easy, and with affordable repayments and totally transparent fee structures. Our staff that are on hand approving loans for quick cash train extensively in responsible lending practices, so you know that you are in good hands.

Emergency cash loans – no credit check?

Do you need emergency money fast, and don’t want to go through the hassle of a credit check and time consuming paperwork? At Cash Today we understand that when a situation arises that requires emergency funds, you need them paid quickly. If an emergency arises that is out of your control, then this shouldn’t reflect poorly on you and you may not want a credit check recorded as a result. We take the hassle out of emergency loans by offering an application process that you can complete in just minutes. You can opt to apply without a credit check. When you have been approved, the emergency cash will be paid directly into your bank account that same evening. All that you need to do is submit your application before 2pm AEST. Our friendly team will get you a decision quickly, and authorise your bank transfer for the evening within minutes of approval. 

What are the alternatives to payday advances?

There are options to consider that should be carefully considered before applying for a personal loan.

Before you borrow:

  • Get information about other alternative ways to manage your unexpected bills or debts, and call 1-800-007-007 from anywhere in Australia to speak with a free and independent financial counsellor.
  • Speak with your individual service providers (such as your electricity, or phone service company) and ask about a payment plan if you can’t pay your bills on time.
  • It might be possible to request a cash advance from Centrelink in some circumstances.

An excellent asset is the Government website MoneySmart which a great resource to help you learn more about managing your money, and to look at loan comparison rates. Train yourself with expert advice on budgeting, and learn more about how small amount loans work. They offer plenty of other helpful suggestions for improving your financial position, managing bills and debts, and how to receive an advance on government benefits.

If you still feel that Cash Today are your best option, we would be more than happy to assist you with a cash advance today.