Online Cash Loans Australia

BORROW UP TO $50,000!

Cashify is here to help everyday Aussies from life’s big moments to unexpected surprises with quick and easy cash loans in Australia. Apply now for an unsecured Personal Loan and borrow up to $50,000.
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BORROW UP TO $50,000!

Cashify is here to help everyday Aussies from life’s big moments to the unexpected surprises. Apply now for an unsecured cash Loan and borrow up to $50,000.
Read More

Note: Estimated repayments are indicative only.
This does not constitute an offer of credit by Cashify.

Personal Loans from
$2,001 up to $50,000
Rates from 5.15% p.a.
comparison from 6.47%^
Instant cash
Flexible repayment options
Australian owned and operated

Why choose Cashify?

Tailored rates from 5.15% p.a.

Instant* cash transfers into your account

Easy online application

Flexible repayment options

Australian owned and operated

Frequently asked questions about Instant Loans Australia

Getting an urgent loan online can be simple! Below are some of the more common questions answered, however if you still have a question, check out the FAQs page or send us a message.

What’s the application process?

To apply for a Cashify loan online, simply fill out the easy application form here. Our application forms are 100% online and we are unable to take applications over the phone or email.

The application form will require personal information, including proof of ID, employment, income and bank statements to verify your financial situation.

Once you complete the application form, you will receive an email to confirm we’ve received your application and it is being reviewed by our loan assessor. You will receive an email once a decision has been made.

Once your loan has been approved and you have signed a digital copy of the contract, we’ll transfer the full amount of your loan as cash into your nominated bank account.

How much can I borrow?

Cashify provides Personal Loans ranging from $2,001 up to $5,000 and more premium Personal+Plus Loans from $5,001 up to $50,000.

Cashify is a responsible lender and we only lend what we believe you can comfortably afford to repay. All applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

Am I eligible for instant cash loans?

To apply for a Cashify loan, you must:

  • Be 18 years or over
  • Be an Australian citizen or permanent resident
  • Be currently employed (see details below)

For a Personal Loan from $2,000 – $5,000, you must also:

  • Be currently employed Full Time, Part Time, Self-Employed or Casual
  • Centrelink must not be your main source of income

For a Personal+Plus Loan from $5,000 – $50,000, you must also:

  • Be currently employed Full Time, Permanent Part Time or Self-Employed
  • Minimum income of $50,000 p.a. before tax

Cashify is a responsible lender and we only lend what we believe you can comfortably afford to repay. All applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

How quickly can I receive the money?

Once your Cashify loan is approved, the money will be transferred to your bank account instantly* if you sign the approved contract between 9am to 9pm on business days. Otherwise the loan will be processed on the next business day. Depending on your bank’s clearance times, you could receive the money in your account within minutes.

What information do you require?

Cashify requires some personal information from you when you are applying for your loan. This will help us confirm your identity, understand your financial position and ensure you can afford to repay your loan comfortably.


Provide ONE of the below forms of identification:

  • Australian Driver Licence Number
  • Australian Passport Number
  • Australian Medicare Number

Residential Details

Provide details of your current address

Employment & Income Details

Provide proof of your current employment, including:

For Full Time, Part Time and Casual Employment, you must provide a copy of:

  • Two of your most recent consecutive computer-generated payslips
  • Bank Authentification via a Secure Portal, or most recent bank statements covering the last 3 months

For Self Employed or Contractors, you must provide a copy of:

  • Most recent Notice of Assessment
  • Bank Authentification via a Secure Portal, or most recent Business and Personal Bank Statements covering the last 3 months

Expenses Details

Provide details of any extra income, Government Assistance and current liabilities, loans and expenses

Referee Details

Provide details of a friend or relative in case we can’t get in contact with you

What costs are associated?

We know the importance of being honest and upfront with our rates, fees and charges. It’s all here, with no nasty surprises.

For loans from $2,000 to $5,000

  • Loan Rate: 48% p.a.
  • Establishment Fee: $370
  • Other Fees That May Apply
    – Dishonour Fee: $15

For loans from $5,000 to $50,000

  • Loan Rate: From 5.15% pa (comparison rate from 9.45%^)
  • Establishment Fee: $498
  • Admin Fee: $10 per month
  • Other Fees That May Apply
    – Reschedule Fee: $14
    – Dishonour Fee: $15

What can I use the money for?

Almost everything! You can use your loan for any occasion. The most common reasons for a loan are debt consolidation, home improvements, booking a holiday, planning a wedding, or for medical or family emergencies. Whatever you need it for, Cashify can help!

Are You Currently Looking for Quick Cash Loans in Australia?

Regardless of whether you’re struggling to pay your bills and need some extra money before payday, or whether you’re dealing with an unexpected situation that has created a financial emergency, taking out a fast cash loan is one way of obtaining the financing you need swiftly and with minimal hassle. And if you are currently looking for some of the best quick cash loans Australia has to offer, you will be pleased to learn that you have come to the right place. We offer instant cash loans to cover just about anything, including:

It is very important that you choose the right lender for your cash loan. Australia has a great number of different lenders on offer, but for maximum convenience and peace of mind, it is always a good idea to borrow your money from a trusted and reliable lender with a strong reputation for speed, flexibility and customer care. That’s exactly what you can expect to get if you choose to lend from Cashify.

Choose Cashify for Some of the Best Online Cash Loans Australia Has Available

Here at Cashify, we are proud to be an Australian family owned and operated business with a commitment to combining highly competitive lending rates with outstanding customer service. We offer quick and easy loans of between $2,000 and $50,000 with tailored rates from 8.5% per annum.

As a responsible lender, we work hard to ensure that our customers always receive the right loan to suit their individual circumstances. Our team of highly experienced experts treat each online cash loan application on a case-by-case basis, striving to achieve maximum flexibility and affordability for the total peace of mind of all our customers.

Fast, Instant Cash Loans Online for All Occasions

There are many reasons you could be looking for a cash loan in Australia, and our loans can be used for almost anything you need. This includes urgent, unexpected expenses no matter their size, and non-urgent loans that you’d just like to get sorted quickly for your own peace of mind. These are some of the most common reasons people lend from us:

  • Home renovations
  • Holidays
  • Medical expenses
  • Buying a new car, caravan or motor bike
  • Buying a boat or jet ski
  • Car repairs
  • Education
  • Weddings and engagements
  • Funerals
  • Debt consolidation
  • Dentistry
  • Cosmetic surgery

And with us, it’s not as difficult to be qualified for a loan as it might be with other lenders. You need to be over 18 years old, employed and an Australian citizen or permanent resident. We don’t even require security or collateral. If you’re looking for easy loans in Australia, we’ll be able to provide them.

Applying for your Cash Loan Online

All you have to do to apply for your loan is complete the simple online form with minimal documentation required, letting us know how much you would like to borrow and for how long. We will then process your application quickly, aiming to have the money in your account the very same day. No collateral or security is required, and repayment plans are highly flexible, with no early exit fees and the freedom to make extra payments at any time at no extra cost.

Our application process is fast and easy, making us the ideal lender for when you need fast cash loans in Australia.In many cases, you can even have the money in your account on the same day you make your application. No more waiting around worrying about bills or whether your loan will be accepted, we give you quick answers and instant cash loans in Australia.

Flexible Loan Repayments

A loan is a commitment, and many other lenders aren’t very open to changes in that commitment. But we all know that our circumstances are unique, and our financial circumstances can change quickly. If you choose Cashify, we can guarantee flexibility when it comes to repayment. You choose yourself how often you want to repay your loan and for how long you want to pay it off, but you can always change your mind and get done sooner if you wish. You can make extra repayments at no cost when you have the money to spare, and there is no early exit fee.

Understand Your Finances with Our Help before applying for Quick Easy Loans in Australia

Most of the time when you apply for online loans in Australia and get rejected, they won’t even tell you why. This leaves you with no way of understanding what you could be doing in the future to improve your chances of successfully applying for loans. Despite providing quick loans after an easy online application process, Cashify won’t leave you hanging if your application for an urgent loan is successful. We will tell you why your application wasn’t accepted and provide you with advice and recommendations for making yourself a creditworthy client in the future. While processing your application, we will also look at your overall exposure to ascertain if restructuring or consolidating can save you money. We’re a lender who actually cares about your finances, and we can help you understand and improve them.

Quick Loans Online for All Kinds of Things and Occasions

At Cashify, we don’t dictate what you can spend your loan on. You have complete flexibility over your money once it’s been deposited in your bank account. That means you’re free to use your extra money in the way that suits you best.

Perhaps you’re looking for a quick loan to buy something that’s caught your eye, and you know it won’t hang around for long. Perhaps it’s a last-minute holiday or a car that’s such a good deal it’s sure to have many potential purchasers. Because we provide instant cash loans online, with many payments reaching bank accounts the same day as you apply, you don’t need to worry about missing out on that last-minute bargain. Providing you meet our criteria and you’re happy to go ahead, we can have your money winging its way to your account within hours – no wonder we have a reputation that’s second to none for providing fast cash loans in Australia.

Perhaps you’ve always dreamt about buying a boat or a caravan or motorhome when you retire but with everything that’s going on in the world, you want to make your dream happen a little sooner. With the fast money loans available from Cashify, you don’t have to wait until retirement age, you can have your dream now. Why put your chance for adventure on hold while you save enough money or wait until you can cash in your pension? Don’t put your plans on the back burner, take life in both hands now! With Cashify loans, you can rest assured we won’t let you overstretch your budget; we only lend what we know you can comfortably repay. We won’t let your dream turn into a nightmare!

We Can Solve Your Immediate Money Crisis with Our Fast and Easy Cash Loans

Even if you manage your finances well, sometimes a crisis you really didn’t expect can hit you out of the blue and you may need money urgently to manage what could become a financial crisis. When help is needed, we can enable you to get a quick loan today that won’t ultimately make your finances worse. It’s true that some loan companies out there will offer quick instant cash that sounds like the answer to your prayers, especially at a time like this, but often these loans can end up costing you significantly more than you envisaged when you signed on the dotted line.

At Cashify, we always ensure that you know exactly what you’re expected to pay back and over what period when you get a quick loan with us. We’re always completely transparent about our charges and fees. And, if you are able to pay back your loan earlier than anticipated, we won’t charge you any exit fees. How many other loan companies offering instant cash loans in Australia can say that? It’s one of the reasons we’re seen as providing some of the best cash loans in Australia.

So don’t let those unexpected bills or purchases wear you down. Apply now for one of our instant approval cash loans if you need cash today, and the money could be in your nominated bank account within a matter of hours. We’re here to help with those unexpected emergencies.

The Best Fast Loans Won’t Drain Your Finances Further Down the Road

At Cashify, we’re well known for providing affordable quick cash loans in Australia. We have strict but fair lending policies, and you’ll need to meet our criteria, but these requirements are designed to help you to stay in control of your finances. In fact, you may find that our lending criteria aren’t as strict as some other lenders, but rest assured, we do make all the relevant financial checks to ensure that you’re eligible and that you can meet the repayments. Our well-honed process makes getting quick instant loans as straightforward as possible. You don’t have to wait for days for a decision and we won’t request lots of additional information to support your application. Our process is clear, fast and reliable. So, if you’re looking for fast money loans online that won’t drain your finances further down the road, check out whether you’re eligible and then see how much you can borrow from us here at Cashify by inputting your details into our loan calculator. You can choose the repayment period that best suits you – whether that’s paying back your online loan in three monthly payments or spreading the cost of your loan over as many as 84 months.

Get in Touch to Find Out More Information About Our Online Loans

To find out more information about Cashify and how we can help you access some of the best quick, easy loans in Australia, feel free to get in touch with a member of our friendly and knowledgeable team today. Remember, we’re here to smooth out the peaks and troughs that hit everyone’s finances now and then and you could borrow up to $50,000 with one of our unsecured cash loans. Input your details now and make your application and you could qualify for one of our fast loans today! For current or prospective customers who would prefer to speak in person, you can call us during our office hours on weekdays from 9am to 5pm.

Apply for an Instant Cash Loan Online Today

Alternatively, if you are ready to make your online loan application now, just fill out the online application form and we will get back to you as quickly as we can. Your money could be in your bank account in just a few hours from now! When you need a cash loan in Australia, there’s no lender more efficient, fast or reliable than Cashify. Get a quick, reliable service and flexible repayments by choosing us.

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If you have any questions, check our FAQs or send us a message
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