One Hour Cash Loans

Funds Fast with 1 Hour Loans

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

Find out more…

How can I get funds paid within the hour?

If your application is straightforward, loans can be approved quickly and funds released via instant bank transfer within the hour.

An example of an application that would be quickly approved would include:

• A loan amount with repayments that we can see are easily affordable for you, based on your regular income and regular outgoing expenses
• Your details and information were all filled out correctly, and you are an Australian resident aged 18+ with regular income paid into your bank account
• A healthy financial history – your 90 day online bank statement is not showing any payment arrears/dishonour transactions, debt collection payments, wage advance payments, or recent loans taken out
• More than 40% of your income is from Centrelink benefits

Why would my loan be delayed?

Your loan could take longer than an hour to arrive in your bank account:

• You haven’t checked your email to sign the loan contract and accept the loan
• The contact details you provided such an email or phone number were incorrect, and you weren’t able to be contacted
• Something in your 90 day bank statements was flagged as potentially problematic, and the lending team are assessing further in order to make a decision, such as running a credit check
• You were asked to provide further documentation to support your loan application
• The funds were released, but your banking facility has delays on funds clearing

Will there be a credit check?

We undrestand that you are more than just your credit score. If your 90 day bank statement looks good, and it is clear that your income exceeds your regular expenses so you could easily afford repayments, a credit check would generally not be required for amounts less than $2,000. 

What are the loan rates & fees?

If you are applying for a loan less than $2,000 to be repaid over a duration that is between 1 to 12 months, you will pay a 20% establishment fee and a 4% per month fee based on the loan amount and duration of the loan term.

Example:
$1000 loan amount
20% establishment fee = $200, plus $40 per month.

If you are applying for a payday advance less than $2,000 to be repaid over a duration that is between 1-4 weeks, you will pay one flat 5% transaction fee.

Example:
$1000 loan amount
5% transaction fee = $50.

Financial wellness

If you are looking for a loan so that you can take advantage of an exciting opportunity such as a purchase, travel, course of study, or upgrade to your home, a quick 1 hour loan could be a great choice. You can jump on that special offer, flash sale, or extend your holiday for maximum enjoyment, and make repayments over time to minimise financial pressure on yourself.

On the other hand, if your budget is tight and you’ve had an unexpected expense arise such as an electricity bill which is higher than expected, an emergency dentist visit, repairs to electronics or white goods, or a visit to the mechanic you weren’t expecting, there might be other options to consider. View some alternatives to lending to help make an informed decision about whether a Cash Today loan is right for you, or visit moneysmart.gov.au

Easy 1 hour cash loans | Very quick funds Australia | No credit check (if 90 day bank statements are healthy)

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