Online payday loans Australia

The landscape of payday loans in Australia has changed dramatically over the last few years, and at Cash Australia, we believe we are at the cutting edge of what the pay day lending industry has to offer.

One of the biggest changes has been that a great deal of the application and approval process has moved online. This has enabled lenders who have embraced this, such as Cash Australia, to cut in-house costs, and thus offer highly competitive rates combined with low fees. Conducting our business primarily online has also enabled us to speed up application, approval and loan transfer times; all of which has benefitted our customers and made us one of the leaders in our industry.

We feel this shift fits neatly with many of our customers who are often time poor, juggling work and family life. In surveying our clients’ needs we found two things: Firstly, they overwhelmingly felt they needed to be able to attend to their financial affairs, i.e. things like organising a short term loan, at the times when it was most convenient for them. Most said they tried to fit their ‘life admin’ in between all their normal responsibilities. So we made all our services fully accessible online. With Cash Australia you can now apply, be approved, and have your loan deposited to your account, without ever having to talk directly with us or worry about doing things only in business hours.

Secondly, our clients told us they needed to be able to access our services wherever they happened to be. So basically as long as you can connect online, whether it’s from your phone, a laptop, PC or tablet, you can apply and be approved. You might be a sales rep on the road, a mum sitting in the car watching her kids are at soccer training, or a volunteer life saver! Wherever you can find a free moment in your schedule, you can access our loan services and often have extra cash in your account within 24 hours.

That’s a much overdue revolution in the Australian lending environment and Cash Australia is proud to be at the forefront of this change.

Ok, so now you know there’s a great service at your fingertips. But what do you need to do today to get your loan application rolling?

It’s as simple as one, two, three.

  1. Using you smartphone, computer or tablet complete our simple online application in just a few minutes.
  2. Upload the simple documents we request. We need to check we are lending you the right amount for your situation.
  3. Sign you loan contract with our online tool and we transfer your money into your account within 24 hours.

We think that’s a pretty simple process, and we’ve made it as fast and easy to navigate as possible.

At Cash Australia we offer everyday Aussie’s loans from between $300 -$5000 designed to pay for anything from a weekend away with a special someone to a home renovation, and anything in between!

Our loans are what’s are called 100% unsecured loans, so you are not asked to put up any security or collateral items to secure the loan against.

All you need to be able to meet our approval requirements is a regular income with at least 50% coming from employment.

And we have flexible loan terms ranging from 30 days to 24 months—something for everyone.

Now of course we realise that although we are living in the digital age, not all of our customers, for any number of reasons are comfortable or confident conducting their financial affairs online. You may be elderly or indeed have a disability which makes this space a challenge. If this is the case we want you to know right now that our helpful and friendly staff are only a phone call away, and we often also meet with our customers face to face if this is the approach they want.

So if that’s you, call us today on (08) 8281 9383 or email us at

Fast, affordable, easy and expert—that’s us! Contact us today, in whatever way works best for you, and we’ll do our best to approve a loan to enhance your life.

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*