Small Loans

Get $500 today

Are you looking for small personal loans?

Do you want small cash loans where the cash is paid fast?

Need $200, $300, $500 today and don’t want pages of paperwork and long application wait times?

Our small loans could be just what you are looking for.

Cash Today

Are you looking for a fast small loan of up to $500? 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 up to $500, 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 raving 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 up to $500 fast when you need it regardless of bad credit. 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.

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 up to $500.


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.

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:

FAQ: Small Loans Fast from Cash Today


What is a small personal loan?

A small loan, small personal loan, is typically an unsecured loan amount for less than $500. In general, it is repaid with your next paycheque, or in a few smaller repayments split over multiple paycheques. 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 that 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 $500 up to $5000 click here.

What is a small cash loan?

A small loan is generally a payday advance loan that is paid quickly, for amounts less than $500. 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 saving 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 we are able to approve small amounts regardless of your credit histories.


Cash Today small loans – bad credit – instant approval?

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 up to $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.

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 delighted to offer bad credit small cash loans in Australia when you need them.


Small loans – Centrelink approved?

Small loans are 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 up to $500. 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. Loans with no credit checks and considering Centrelink income, or small payday loans Centrelink bad credit customers could be approved for your payday loan up to $500.

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 under $500. 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, 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 less than $500. These can be helpful if you just need a payday advance. An example might be that if you are short on cash but you can repay the amount once your paycheque comes in.

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 one or more pay cycles. This means you aren’t being charged interest over 6, 12, or 24 months like a standard personal loan. You can view all the fees and charges involved by using our easy repayment calculator above.


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 less than $500 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.