Small Loans – Get $1000 today

Get quick cash with our small loans

Are you in need of some quick cash? Our small loans offer a convenient and hassle-free solution to your financial needs. Whether you have an unexpected expense or need some extra money to tide you over until your next pay cycle, our small loans of $1000 can provide the financial assistance you require.

A simple and straightforward application process, fast approval, flexible repayment options, no hidden fees, personalised customer service, transparent terms and conditions, and a secure online platform. Our small loans are designed to meet your needs in the most efficient and convenient way possible.

Read on to find out how you can get quick cash with our small loans.

reach savings goal

Key takeaways


  • Apply for a small loan with ease, completing the application form in just minutes
  • Provide basic personal and financial information online or by phone
  • Receive instant confirmation of your loan application
  • Get approval for your small loan in no time, with confirmation of loan approval within hours
  • Choose from a range of flexible repayment options that suit your needs
  • Access small loans with competitive rates and no hidden fees
  • Receive personalised customer service from our dedicated team
  • Enjoy a secure online platform for your loan application

Easy Application Process


Applying for a small loan has never been easier. We understand that when you need cash, you need it quickly. That’s why we have streamlined our application process to make it as simple and convenient as possible. Gone are the days of lengthy paperwork and multiple visits to the bank. With our online application, you can complete the process from the comfort of your own home or office.

To apply for a small loan, all you need to do is fill out our online application form. This form should only take a few minutes to complete, as we only require basic personal and financial information. Rest assured that the information you provide is safe and secure, as we prioritise the confidentiality and security of your data.

Once you have submitted your application form, you will receive instant confirmation that your loan application has been received. This means that you can have peace of mind knowing that your request is being processed and that you are one step closer to getting the quick cash you need.

Fast Approval

We understand that when you need cash, time is of the essence. That’s why we have implemented an efficient and streamlined approval process to ensure you quickly get the funds you need. Our team of experts is committed to making quick decisions and providing prompt confirmation of loan approval.

With us, you don’t have to wait for days or weeks to find out whether your loan has been approved. Once your loan application has been reviewed and approved, you will receive confirmation within hours, sometimes minutes. This means that you can have peace of mind knowing that the funds you need will be disbursed promptly.

Our hassle-free application and approval process make it easy for you to get quick cash when you need it most. Whether you have an unexpected bill, a medical emergency, or simply need some extra money for a special occasion, our small loans are designed to provide you with the financial assistance you need, when you need it.

Flexible Repayment Options

We understand that everyone’s financial situation is unique. That’s why we offer a range of flexible repayment options to suit your needs. We believe that repaying your loan should be as easy and stress-free as possible, which is why we give you the freedom to choose a repayment term that fits your budget.

You can make weekly, bi-weekly, or monthly payments, depending on what works best for you. Our goal is to provide you with the flexibility to repay your loan in a way that aligns with your financial situation. 

With our personalised repayment options, you can have peace of mind knowing that you can tailor your repayment plan to suit your needs. We believe that repayment should be a manageable process, and we are committed to providing you with the flexibility and support you need to repay your loan comfortably.

Competitive Interest Rates

When it comes to borrowing money, affordability is key. That’s why our small loans come with a set fee structure of a 20% establishment fee and a 4% per month fee based on the loan amount and duration of the loan term, for loans of $1000 or up to $2000.

For larger loans up to $80,000 we provide competitive interest rates that can save you money in the long run. We believe in offering our customers the best deal possible, which is why we strive to provide attractive interest rate offerings from multiple lenders for you to select from.

By choosing our small loans with set fees, or personal loans with low interest rates, you can save money on borrowing costs and ensure that your repayment amounts are manageable. We understand that every dollar counts, and we want to make sure that you get the most value out of your loan.

Before making a decision, we encourage you to compare our interest rates with other lenders. We are confident that our rates are among the most competitive in the market, and we believe that you will find our loan products to be an affordable and cost-effective solution for your financial needs.

No Hidden Fees

When it comes to borrowing money, transparency is essential. That’s why we are committed to providing you with an upfront and honest pricing structure. With us, you can rest assured that there are no hidden fees associated with our small loans.

We believe in being transparent about all applicable charges, so you know exactly what you’re getting into. From the establishment fee to any other costs or fees, all the information is readily available for you to review. We want to make sure that there are no surprises when it comes to the costs of your loan.

With our commitment to transparent pricing, you can trust that you are making an informed decision when choosing our small loans. We believe in responsible lending, and we want to ensure that you have a clear understanding of the terms and conditions of your borrowing.

Personalised Customer Service

At our Cash Today, we value our customers and their unique needs. We understand that every situation is different, and we want to provide you with the support you need to make the best decision for your financial situation.

Our commitment to exceptional customer support means that you can trust us to provide you with the help and assistance you need if you run into any hiccups with your application, or are required to provide additional documents.

We are dedicated to going above and beyond to ensure that you are satisfied with your loan experience and that we have met your expectations.

Transparent Terms and Conditions

When borrowing money, it is essential to understand the terms and conditions of your loan. We believe in clarity and transparency, which is why we make it easy for you to understand our small loan terms and conditions.

All the information you need is easily accessible, including repayment schedules, fees, and charges. We want to ensure that you have a clear understanding of your borrowing and that you can make an informed decision.

With clear documentation outlining the terms of your loan, you can have confidence in knowing exactly what you are agreeing to. We prioritize responsible lending and want to ensure that you are fully aware of the obligations that come with borrowing money.

View our SAAC loan terms and conditions here.

At a glance

Simple loan rates & fees


See our simple rates and fees below, and then view more information about rates & fees to work out repayments and total costs for different amounts and terms.

*Please note that the figures shown are indicative only and may not include all fees and charges. All applications are subject to assessment. 


Find out how likely you are to qualify for our lower rate loans.

Healthier financial history = access to lower loan rates

  • Our competitive personal loan rates are between 7.24% – 19.99% p.a. and our urgent loans are between 19% and 48% p.a.
  • The loan rate that you are offered will be dependent on your individual circumstances, loan amount, and the type of loan
    • For example, a secured car loan is likely to have lower rates than an unsecured loan with a vague purpose

Am I eligible for a loan?

If you want to understand whether you are able to be approved for a loan, there are a few things to consider.

Loan requirements

  • Proof of Australian residency (utility bill) and regular income
  • Driver’s license or other identification (over 18 years of age)
  • A read-only 90-day bank statement (via online bank verification)
  • Credit check
  • Repayment affordability can be established
  • No direct debit dishonour transactions in bank statements

Credit check

Credit history

A history of responsible borrowing shows that you’ve paid your bills on time and haven’t maxed out any credit cards.

Credit score

A good credit score is a strong indicator of your creditworthiness and could mean that you are eligible for loans with lower interest rates than another applicant with a less favourable credit score.

Debt-to-income ratio (DTI)

If you have a low debt-to-income ratio (DTI) this is the best position to be in for getting approved for a loan. A great debt-to-income ratio is 3.6 (36%) or less.

The higher your debt-to-income ratio, the less likely you are to be approved. That’s because you will be making repayments on your existing debt, and have less available funds to comfortably make repayments on a new loan. A debt-to-income ratio of 6.0 (60%) or higher is considered risky for lenders.

How to calculate your debt-to-income ratio 

Debt-to-income ratio = Total debt divided by total annual gross income

This can be expressed as a number or a percentage.


Debt-to-income ratio calculator


Loan amount and purpose

The amount you’re borrowing and what you’ll be using it for can also affect your approval odds.

Generally, smaller loans for specific purposes (like a car repair) are easier to get approved for than large loans with a vague purpose.


Some loans, especially larger loans such as home renovation loans or car loans, require collateral. This is an asset the lender can seize if you default on the loan.

Having collateral can improve your chances of getting approved, especially if your credit score isn’t perfect. In some cases it can also qualify you for lower loan rates.

Income and employment

If you have stable full time employemt with income that would allow you to comfortably repay a loan, this makes you most likely to be approved for a loan.

It is still possible to be approved for a loan with part-time employment if your regular expenses are lower and affordability can be established.

Other forms of supplementary income are also considered such as government benefits.

Your total income amount, your employment history, and any other sources of income will be taken into consideration when making an approval decision on a loan application.

Responsible lending

Understanding your individual circumstances

At Cash Today, we understand that unexpected expenses can arise. While we’re here to help you access the cash you need quickly, we’re committed to responsible lending practices.  This means we take the time to assess your individual circumstances before offering a loan. 

Prioritising your financial well-being

We prioritise your financial well-being and want to ensure you can comfortably manage repayments. We also offer clear and transparent loan terms so you understand the full cost upfront. If alternative solutions like payment extensions or budgeting tools can better address your situation, we’ll be happy to point you in those directions.

Lower rates reward good track records

If you can demonstrate a strong financial track record you are more likely to get approved for personal loans and qualify for lower loan rates. If your income compared to your ongoing expenses shows that you have the ability to comfortably afford higher loan repayments you may be able to get approved for higher loan amounts. 

Preventing financial stress 

In the event that your financial history reflects more unstable income, a poor credit rating, or a high debt-to-income ratio, your application may be declined if it is determined that repaying the loan would not be affordable and result in further financial hardship for you. 

You may only be approved for smaller loan amounts with lower repayments, and you may not qualify for lower rate loans and need to carefully decide whether you are willing and able to accept paying higher rates for the loan.

Protecting your future 

It’s important to note that even if you can comfortably afford repayments, your application might not be approved. This is because we assess your financial history to ensure responsible lending. We want to avoid situations where the loan could negatively impact your long-term financial health. This includes missed payments that could damage your credit score and make it harder to access future loans.

Disqualifying conditions

If you display one or more of the following loan disqualifying conditions you are not currently eligible for a Cash Today loan. 

  • Opened a personal loan in the last 90 days
  • Already has two or more payday loans under $2000
  • Bank statements in the last 90 days display transactions for online gambling
  • Bank statements show payments made to collection companies, payment arrears, or dishonours in the last 90 days
  • Bank statements show wage advances such as Wagetap, Wagepay, MyPayFast, Beforepay, in the last 90 days
  • Bankruptcy

You should consider seeking alternative options for financial assistance, or delay applying until your 90 day financial history reflects that you are eligible to apply as well as able to comfortably afford repayments.

Easy Secure Application

Applying for a small loan is easy and quick. In less than 5 minutes you can apply for a Cash Today loan amount of $1000.


Small Loans Fast

Once your application is submitted, our team can approve your 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.

FAQ: Small Loans Fast from Cash Today

What is the easiest small loan to get approved for?

The easiest small loan to get approved for at Cash Today is a SAAC loan. It is a short-term, fixed-fee loan that is typically for a small amount of money.

They differ from payday loans, as they can be repaid over longer periods of time, as opposed to being repaid within one or more employer pay cycles. Payday loans are designed to help people cover unexpected expenses until their next payday.

Both payday loans and SAAC loans have a quick and simple application process, making them a popular choice for those in need of quick cash.


What is a small personal loan?

A small loan, or a small personal loan, is typically an unsecured loan amount of less than $2000, and the smallest loan amount that we offer is $500. In general, it is repaid in a few smaller repayments split over multiple pay cycles. So, you might choose to take out a loan for a smaller amount when there is an unexpected bill that needs to be paid quickly.

It’s an option when you need a short-term cash injection to help you temporarily until your income is paid. There are simple fixed fees, and you can repay the loan amount more quickly. So, this can sometimes be a better alternative to adding an expense onto your credit card and potentially paying high interest rates.

An example might be that you are an employee who gets paid monthly, and at the end of the month, your expenses have exceeded their budget. A Cash Today cash advance loan could provide a financial buffer to cover expenses until your monthly wages are paid. You can apply from anywhere in Australia, 24/7, and get approved for small loans fast.

Additionally, if you would like more information on loans higher than $1000 up to $80,000 click here.

How can I borrow a small amount of money fast?

To borrow a small amount of money fast, you can consider applying for a short-term loan, such as a Small Amount Credit Contract (SAAC) loan from Cash Today. These types of loans are designed to provide quick access to funds and typically have a simple and straightforward application process. Additionally, you can explore online lending platforms or peer-to-peer lending services that offer quick approval and funding for small loan amounts.

What is a small cash loan?

A small loan is generally a payday advance loan that is paid quickly, for amounts less than $2000. In other words, it is paid when you need cash in your bank account, and other alternative methods are not feasible. For example, if you are in a situation where you:

1: Can not negotiate a payment plan with a service provider

2: Can not arrange for an extension on a due date

3: Can’t access your savings fast enough.

It may also apply to situations where you need physical cash. In this instance, a credit card cash advance incurring higher interest rates could be out of the question.


Can I get a small personal loan with no credit check?

Have you been looking for small payday loans with no credit check? If you’re concerned your credit rating will prevent you from being approved, be assured that Cash Today makes approval decisions on more than just your credit score. We understand that you are human, and so we take into consideration multiple factors including your regular income and repayment capacity. So, in some cases, we are able to approve small amounts of $500 regardless of your credit history.


Cash Today small loans with bad credit?

You may be able to be approved for a small personal loan with Cash Today regardless of having bad credit. Therefore, if you need same-day approval for a small loan amount of $500 and also require options where repayments are affordable, you might consider a Cash Today loan. If you can show a history of regular income paid into your bank account and meet our other lending criteria, we can still make a positive approval decision.

You will likely not be approved if you have any of the following apply to you:

  • You have opened a personal loan in the last 90 days
  • You already have more than two or more payday loans under $2000
  • Your bank statements in the last 90 days display transactions for online gambling, for example, Sportsbet
  • Your bank statements show payments made to collection companies or payment arrears or dishonours in the last 90 days
  • Your bank statements show wage advances such as Wagetap, Wagepay, MyPayFast, Beforepay, in the last 90 days
  • Bankruptcy

We understand that life doesn’t always go the way you think. A bad credit rating can happen to anyone despite the best of intentions. We are, in some cases, able to offer bad credit small cash loans in Australia. It’s important that you carefully consider the exclusion criteria above and do not apply for a loan when you have a bad credit rating as well as any of the factors listed above.


Small loans – Centrelink approved?

Small loans are, in certain circumstances, available for Centrelink customers, and you could be approved for small loan amounts by Cash Today. We will carefully consider all forms of income in your application, as well as the small loan amount of $1000. At Cash Today, we pride ourselves on being a responsible lender.

Our team will make approval decisions if we can be confident that repayments for your small payday loan will be affordable for you.

That’s because we are careful to take into account your entire financial situation when making our lending decisions.


Are your small loans online?

Are you searching for small loans online, Australia? Our online loans are one of the easiest ways for you to get approved fast for small loan amounts of $1000. An online application process that you can complete quickly makes applying simple. Plus, it takes under 5 minutes. Applying online for your small payday loans – no paper bank statements required – is easier than ever. You need to be 18 years or older, an Australian resident and have regular income paid into your bank account.

If you meet our lending criteria, and we can see that the repayments would be affordable for you, it could be approved. Then, you could have the cash transferred to your bank account that same day. Please note that there may be transfer processing delays depending on your financial institution.


Guaranteed payday loans no matter what in Australia?

We are proud of our reputation as a reliable lender. If you’ve been approved for a Cash Today payday loan, we guarantee you will be paid your money fast. If you made your application before 2 pm AEST, the money will be electronically deposited into your account that same evening. We know how important it is to offer reliable lending to our customers. Our team work hard to process applications quickly and get you an approval decision fast.


What are small loans?

If you are looking for a small cash loan, you might opt for one of our loan options for amounts of $1000. These can be helpful if you just need a payday advance. An example might be that if you are short on cash, you can repay the amount with your next pay cycle.

These types of short-term loans are most often used for unexpected bills such as a trip to the dentist or a veterinarian bill. They are generally paid off quickly over weeks or months. This means you aren’t being charged interest over 6, 12, or 24 months like a standard personal loan.


Does Cash Today offer instant loans?

Once we receive your application, our team works fast to get you a decision on your application. Once approved, the process of electronically depositing the money into your account uses instant bank transfer processes.

Bank transfer delays may apply depending on your financial institution. For example, the funds may clear the next day. When you need small loans fast, we work hard to get you the cash you need when you need it most.


What are the best small loans?

If you are wondering how to choose a loan, look for:

1: Upfront fees with no hidden costs

2: A good reputation and lender reviews

3: An established track record as a responsible and reliable lender.

Cash Today is proud to have been helping Australians get cash when they need it since 2006.  Some of our loyal customers have said they think we offer the best payday loans in Australia with the friendliest customer service.

You also want to look for a simple application process without:

1: Lengthy paperwork

2: Having to upload bank statements

3: Waiting days for an approval decision.

Have you ever applied for a loan, then had to send in extra supporting documentation, experienced longer delays, and then been forced to wait even longer for the funds to appear in your bank account? A small payday advance loan application should be fast and easy. Your income and expenses are verified quickly via read-only bank statements via your Netbank, and an approval decision will be received by you the same day.

To find out more about alternatives to payday loans check out for more information.


Do you provide same-day loans?

Our easy payday loans come standard with same-day approval if you complete your application before 2 pm AEST. Fast payday loans are important for when you need money quickly to handle an unexpected expense. So we work with you to get you cash when you need it most.

Let’s look at a quick example to see how this would work. Let’s say that your pet becomes unwell, and you need to come up with funds to pay for the vet bill the next day. Your situation is that you use a debit card for online purchases, and don’t have a credit card. You feel that asking your friends or family if you could borrow money would make them feel uncomfortable. Additionally, you can’t access your savings quickly enough as they are in a term deposit account.

1: You go onto the Cash Today website on your phone on your work lunch break, and fill out the quick application form.

2: You approve the request for accessing 90 days of read-only online bank statements, and submit your application.

3: When you finish work, you see an email saying you’ve been approved for the loan amount.

4: The funds are transferred to your bank account that evening, and you can pay the vet bill.

5: You repay the loan amount with smaller repayments split over the next few weeks after you get paid. Easy, convenient, and hassle-free.


How do I get quick loans?

The fastest way to get a quick loan is to:

1: Carefully consider the amount that you want to borrow.

2: Use our repayment calculator above to see how much you would be repaying and the fees you will pay.

3: Decide on an amount that you feel comfortable repaying.

4: Complete the application process which takes less than 5 minutes, and you’ll get a decision via email within hours.

Please note that decisions are made based on our criteria for responsible lending.


Alternatives to Payday Loans

A payday loan isn’t always the best option for everyone, and it’s important that you carefully consider your own financial position, fees, and repayment amounts. Ideally, if you can find options without fees, or interest charged – such as with a credit card cash advance – this would be an advantage.

For utilities or services, you may be able to request an extension on the due date, waive late fees, or arrange a payment plan. Another option could be requesting to borrow short-term cash from family or friends and then repay them promptly.

If you’ve ruled out other alternatives, and feel that you are comfortable with both the set fees charged for your loan amount and the repayments, then a payday loan might be something you consider. If you aren’t sure which option is best for you, free and confidential financial counselling is available to you. Click here to view the contact details for the different providers available to you at no cost.

In the event that you decide that a small loan amount of $1000 is the best option for you, we would be happy to help you get approved for your loan quickly and get the cash you need as fast as possible.

 You can also get more information about Cash Today to help you decide here.


Cash Today

Are you looking for a fast small loan of $1000? Do you also need a super simple online application process plus quick approval times? A Cash Today small amount lending could be the solution you’ve been searching for. We offer fully transparent fee structures, flexibility with repayment options, and same-day approvals. So you can get smaller loan amounts $1000, or options for larger amounts up to $5000. Cash Today offers terms and conditions which are easy to understand. You can be confident that there will be no surprises with your small personal loan amount.

Making Small Loans Easy for you

We have serviced thousands of customers, and we have had rave reviews since 2006. It comes down to a personal approach and outstanding communication. You can rely on Cash Today to deliver your cash quickly when you need a small amount of money. Applying couldn’t be more simple! In less than 5 minutes you can complete our online application on your phone, laptop, desktop computer, or tablet.  There’s no need to fill out tricky and detailed paperwork. We will offer you all the information you require to understand the affordable repayment options. Our loan fees are clear so that you can make a decision that is right for you and your individual circumstances.

Lender of Choice

There’s a good reason Cash Today has been a lender of choice for small loans for 100’s of returning customers just like you every year. You’ll love the real service from real people. We understand that life happens, and you are not your credit rating. So we may be able to help you get $1000 fast when you need it. Alternatively, we can work with your preference for a no credit check application, or income in the form of Centrelink payments.

Have you been trying to work out how to deal with an unexpected bill, emergency or medical expense? Has something unexpected happened that you weren’t able to plan for? Have you been presented with an opportunity that you just can’t let pass you by? Then a fast and easy small online loan from Cash Today could get you the money you need at the moment you need it.