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Quick loans

Fill out a simple application form and get your quick cash loan in minutes.

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These lenders specialise in providing fast loans to Australians

For loans that you can apply for online and get within minutes, these are the country’s top lenders!

To save, compare interest rates and apply for the most competitive option at your disposal.

Frequently Asked Questions

Getting Quick cash for an unforeseen emergency is easier than you think

Simply follow the quick and easy online application process and get your quick cash loan approved within 24 hours. These will therefore typically include payday loans and any other type of personal loan with a fixed loan amount and fixed loan term.

Are you short on cash for the month?

If you’ve found yourself too many days away from payday and broke or unable to pay for urgent repairs then you’re in need of quick cash – probably one that you can apply for and obtain without ever leaving your home.

These loans are very commonly referred to as quick cash loans and can be obtained from a number of different lenders both in-store and online. Although many people still prefer to walk into one of their local payday loan branches most people are now applying for loans on their mobile phones or tablets.

What are Quick cash loans?

Quick cash loans are a broad category of credit that can include payday loans, short-term loans, bad credit loans and personal loans. They are, however, typically smaller loans (like payday or short-term loans) that can be obtained online from an alternative credit provider. In addition to being synonymous with payday and short-term loans – bad credit loans also typically fall into the fast loan category.

Uses for these loans:

  • To pay urgent bills
  • To buy groceries
  • To pay for the vehicle/household repairs
  • For travel money
  • To purchase electronics and other goods
  • For weddings, anniversaries and other special occasions

Who offers fast loans?

Banks & credit unions

Many large banks and credit unions offer quick loans to their customers – some may even have pre-approved you for a temporary loan if they offer this service.

If you can get a personal loan from a bank or credit union and you have the time to make an application then you should do this as these types of lenders generally have the lowest interest rates and most competitive fees.

That being said, these lenders do not generally have a fast turnaround time and you may end up waiting up to 3 days not to mention that many of them do not offer loans below $5,000.

Peer-to-peer lenders

These lenders offer P2P loans and can at times be faster than a traditional lender simply because the entire application, approval and crediting process occurs online. Like credit unions, these lenders usually have lower rates but do not always offer small loan amounts.

Alternative credit providers

Alternative credit providers are usually small online lenders or boutique lenders with one or more small branches located across the country. These lenders specialize in providing payday loans online and quick cash loans and are your best bet if you are seriously pressed for time.

Fast loans vs personal loans

The only major difference between a personal loan and a fast cash loan is the time that it takes to apply for and obtain the loan. With fast loans this could be just 60 minutes even for a new customer but, with personal loans, it could take up to 3 days or even a week to get approved.

Fast loans are more convenient since you almost always get the loan that you need within an hour, however, they are also more expensive than other forms of credit like credit cards, overdrafts and even other traditional personal loans.

The benefits of a quick loan:

  • 24-hour maximum turnaround
  • You could get your loan in as little as 30 minutes
  • Apply online via a simple online loan application
  • Apply 24 hours a day, 7 days a week
  • Apply even if you’re receiving Centrelink payments
  • Apply with bad credit
  • Some lenders will ignore a bad credit history if you can prove affordability

Do you qualify for a quick loan?

With so many quick cash loan providers on the Australian lending market, it is almost impossible not to qualify for a loan with one provider or another. You need to be an Australian resident or citizen, be 18 years of age or older and be able to demonstrate that you can afford the repayments in order to qualify.

With regards to the supporting documentation you may need when applying, your bank statements are likely to be the most important. You may also have to provide bank statements and payslips in addition to other documentation that depends on what kind of loan you’re applying for.

Apply for a quick loan

Applying for a quick loan is just as easy as applying for payday loans and if you’ve taken out a loan with that particular lender before you will l be able to get a larger loan and, in certain cases, a better interest rate.

How to compare quick loan products

One of the easiest and most accurate ways to compare loans and other credit products is to make use of a loan comparison website. These sites are a handy tool to use to find good, reputable lenders and the best rates in the country without having to spend hours of your time searching.

The only thing to look out for is lenders that list sponsored lenders above others and some that list the lenders they get the most commission from above lenders who offer better products. The more lenders are included on a website the more likely it is that they offer whole of market loan comparisons.

If the quick loan provider is charging the cap rates or, the maximum possible fees on loans as set by the ASIC then you simply need to find the lender that you qualify to apply with and one that has a very quick turnaround time.

If you’re looking to compare interest rates that it is imperative that you use the comparison rate as opposed to the normal advertised interest rate. This is because the comparison rate provides you with a more accurate picture of what a loan will cost you since it includes fees and other costs of taking out a loan with that particular lender.

Use loan comparison for quick loan options

Once you’ve used a loan comparison website and have decided on which loan offers you what you need while still remaining affordable you can then visit that particular lender’s website and launch your loan application. You will have to provide them with all of your personal, contact and employment details so that they may verify these against your supporting documents.

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This quick loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

List of direct lenders offering Quick loans

  1. Cigno Quick loan


    • Loans up to $1,000
    • Flexible repayment period
    • Low interest rates
  2. Credit24 Quick loan


    • Loans up to $10,000
    • Term up to 36 months
    • Interest up to 48%
  3. City Finance Quick loan

    City Finance

    • Loans up to $5,000
    • Term up to 60 months
    • Interest from 48%
  4. Quickle Quick loan


    • Loans up to $2,000
    • Loan Approval in 24hrs
    • Term up to 62 days
  5. Cash n Go Quick loan

    Cash n Go

    • Loans up to $2,000
    • Term up to 4 months
    • Interest up to 48%
  6. Suncorp Bank Quick loan

    Suncorp Bank

    • Loans up to $50,000
    • Term up to 7 years
    • Interest from 11.19%
  7. Capfin Quick loan


    • Loans up to $5,000
    • Term up to 78 weeks
    • Interest from 43%
  8. Nifty Quick loan


    • Loans up to $1,000
    • Term up to 6 months
    • Interest from 24%
  9. Sunshine Loans Quick loan

    Sunshine Loans

    • Loans up to $2,000
    • Term up to 9 weeks
    • Interest from 48%
  10. Club Money Quick loan

    Club Money

    • Loans up to $1,500
    • Term up to 180 days
    • Interest from 81.11%
  11. OK Money Quick loan

    OK Money

    • Loans up to $2,000
    • Term up to 90 days
    • Interest from 24%