Fast loans Australia

For unsecured loans in the $300 to $5000 range Cash Loans Australia may well have the fastest approval and deposit of funds process in Australia. In fact, we can often have your loan approved and funds cleared into your account within 24 hours—now that is fast!

If you need funds in a hurry with a minimum of fuss let us walk you through what we can do for you.

Firstly, to be eligible to take out a loan with us you must:

  • Be over 18 years of age
  • Be a current Australian resident
  • Have a regular income with more than 50% coming from employment. (Note: If you are solely on a Centrelink benefit, we may still be able to approve a loan to you, as long as the repayments are going to be less than 20% of your regular benefit income)
  • Have your wages or benefit must currently paid directly into your bank account.

We’ve purposely kept our guidelines and required documents to an absolute minimum and made them easy to understand.

Secondly, our whole process can be navigated online from the comfort of your own home, or wherever you happen to be. Our website is smartphone, laptop, PC and tablet friendly.

So the first thing to do is fill in our simple application—it only takes a few minutes.

Next, upload your supporting documents. So we can make sure we’re loaning you the correct amount for your personal situation.

Then all we need is:

  • Your last two payslips
  • A current income statement if you are receiving a Centrelink Benefit
  • Your driver’s license and current Medicare number
  • The last 90 days of your bank account transaction history. (This can be easily sent by logging on to our service at which will automatically collect only the required information directly and securely from your internet banking portal and send directly to us at Cash Australia

Thirdly, once your approval is sent, just sign it using our electronic signing process and your loan will be transferred into your account within 24 hours. (Note: Clearing times for funds once in your account can be dependent on your banks processes).

So, as long as you satisfy the above guidelines, we offer two types of loans.

Small Amount Credit Contracts. These are absolutely ideal if you need between $300 to $2000 quickly. We establish the loan with a fee of 20% of the loan amount, and your monthly loan payments are 4% a month over the loan period—which can range from 16 days to 12 months. An additional feature of this loan is that it can be paid back earlier than arranged without incurring any penalties or extra charges at all.

If you need a higher loan amount we also offer what’s known as Medium Amount Credit Contracts (MACC). With these you can access funds from between $2001 to $5000. Exactly the same eligibility guidelines and supporting documents need to be uploaded. But with this type of loan, we just charge a flat rate establishment fee of $400, and once again your monthly loan payment will be 4% of the loan amount, and yes you can also pay this loan off early if you desire without any penalties or extra fees.

Additionally, one thing to remember with our MACC loans is that they are not available in store, only through our online application system.

Now the two most important things to remember in applying for a fast loan from Cash Australia are these:

Yes we are fast, we believe we consistently have the fastest response and processing times in the industry today. But we can only put our legendary super-speedy great service into action once you apply. So if you’ve been stressing out because you need cash, don’t worry about possible past rejected applications with other lenders. Fill out a Cash Australia online application today and let us help you pronto—remember, you’ve got nothing to lose except your financial worries.

Secondly, we have a totally non-discriminatory loan approval process. No matter how many times you might have been let down by the big banks—who have been happy to hold your deposits for years—but continuously reject their customers loan applications? Still apply to us. We judge all our applications 100% on the current financial positions of our clients nothing else comes into our decision making process.

If for any reason you are unable to apply online, please call us direct on (08) 8281 9383 and allow one of our helpful staff to assist you with your application or enquiry.

Need cash fast?

Apply online NOW with fast approval

WARNING: Do you really need a loan today?​

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink

The Government’s MoneySmart website shows you how small amount loans work and suggest other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009*