SHORT TERM LOANS MELBOURNE

Borrow up to $5,000 instantly with Cashify!*

SHORT TERM LOANS MELBOURNE

Get $2,000–$5,000 instantly with Cashify!*

Need cash in a hurry or have an unexpected expense? Whatever you need it for, Cashify is here to help with $2,000–$5,000 Short Term Loan in Melbourne transferred instantly into your account!* Read More

Want a Short Term Loan in Melbourne for Personal Use?

Need cash in a hurry or have an unexpected expense? Whatever you need it for, Cashify is here to help with $2,000–$5,000 Short Term Melbourne Loans transferred instantly into your account!* Read More

Personal Loans snapshot

Fixed rate
48% p.a.

Loan terms
3-24 months

Instant cash transfers*

Unsecured loan from $2,000 to $5,000

Ideal for emergency expenses, debt consolidation, household appliances, technology updates, travel, car upgrades and more

Easy online application

Flexible repayment options

Borrow from a trusted Australian owned and operated lender

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

Personal Loans snapshot

Fixed rate
48% p.a.

Loan terms
3-24 months

Instant cash transfers*

Unsecured loan from $2,000 to $5,000

Ideal for emergency expenses, debt consolidation, household appliances, technology updates, travel, car upgrades and more

Easy online application

Flexible repayment options

Borrow from a trusted Australian owned and operated lender

No hidden fees or charges

At Cashify, we know the importance of being honest and upfront with our rates. It’s all here, with no nasty surprises…

Loan Amount $2,001 to $5,000
Loan Type Unsecured
Loan Term 3 – 24 months
Loan Rate 48% p.a.
Repayment Options Weekly, Fortnightly or Monthly
Establishment Fee $370
Other Fees That May Apply Dishonour Fee: $15
Timings Receive the money in your bank account instantly* if you sign the approved contract between 9am–9pm on business days

No hidden fees or charges

At Cashify, we know the importance of being honest and upfront with our rates. It’s all here, with no nasty surprises…

Loan Amount $2,000 to $5,000
Loan Type Unsecured
Loan Term 3 – 12 months
Loan Rate 48% p.a.
Repayment Options Weekly, Fortnightly or Monthly
Establishment Fee $370
Other Fees That May Apply Dishonour Fee: $15

Frequently asked questions about Short Term Loans in Melbourne

Getting an instant Short Term Loan in Melbourne 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, 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.

Am I eligible for Short-Term Loans in Melbourne?

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 $2,001 – $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

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.

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!

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.

Identification
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

Instant cash transfers,
Receive the money in your bank account instantly* if you sign the approved contract between 9am to 9pm on business days.

Frequently asked questions

How do I apply?

To apply for a Cashify loan, 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.

Am I eligible?

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 $2,001 – $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

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.

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!

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 documents do I need?

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.

Identification
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

Top reasons why people apply for a loan with a shorter term

Cashify offer a range of unsecured personal loans for just about everything! Whatever you need the cash for, Cashify can help… From debt consolidation to home renovations, or purchasing a new car to dental work or even a holiday!
Click below to find out more about what small loans we provide.

If you have any questions, check our FAQs or send us a message
Ready to get started?

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A Responsible and Quick Provider of Short-Term Loans in Melbourne

At the centre, the story’s the same for most of our customers. You want to borrow funds as soon as possible, but you don’t want to be scammed or hurt by it in the long run. You want speed without risk. You want a fair transaction that doesn’t take weeks to process. It shouldn’t be that difficult or complicated, right?

With Cashify Loans, it’s neither difficult nor complicated. Our process is easy on your end and quick on ours, which is why we’re the best option for fast short-term loans in Melbourne. As soon as you send in your application form, one of our expert same day Melbourne loan assessors takes a look at your information to make sure everything checks out. We only ask you for proof of identity, address, and employment, as well as a reference. After we’ve seen that everything is in order, the loan is approved, and you just have to sign for it to close the deal and receive your funds. If you sign during business hours, you can see your funds arrive in minutes. That’s it; there are no hidden charges, no unexpected delays, and no obscure or tedious paperwork required to apply. As long as you can send us the basics and we know you can eventually repay it, you’re basically guaranteed to get the approval.

Cash Loans in Melbourne from Us: What are the Details?

And what does a cash loan from Cashify look like? It varies a little depending on the loan you choose, but generally you can expect a low interest rate and a comfortable and flexible repayment scheme. Many of our longer-term loans are on fixed interest, meaning you won’t see the interest rate rise, no matter how long the repayment lasts. Those that aren’t fixed can be highly tailored, and we always offer lower rates than the industry standard. In other words, even if your interest rate does have the potential to change, it’s never going to exceed what’s reasonable in general or what’s affordable to you.

Meanwhile, virtually all our personal loans are unsecured as well. An unsecured loan might sound risky, but it’s actually the opposite; with a secured loan, you’re required to offer an asset as security for the loan. That can include large or costly possessions, like your car. Even when you know your repayment is going well, it can be extremely stressful to know that your car is technically at risk. It’s a small detail that can sit around for years, taking up a lot more space in the back of your mind than you’d like. You don’t have to struggle with repaying a short term loan in Melboure to find a secured loan more stressful. That’s why our loans are unsecured, where no asset is required as security. You don’t have to contractually put up any of your most valuable assets. The difference is small, but it can feel like a mountain off your shoulders!

What Can Your Quick Loans in Melbourne Be Used For?

There are very few wrong answers here! Most short-term loans go towards unexpected expenses, and it’s difficult to put limits on the unpredictable. Even if the expenses aren’t unpredictable, finances often are; you might have less money around a given time of year than you’re used to. In a situation like that, you can come to us at Cashify for a short-term loan, regardless of what it’s for. After all, there’s no single kind of necessary expense. You might be paying bills, buying essentials, making payments, or even addressing emergencies.

Your Melbourne short-term loan can go towards basics like groceries and clothing, for instance. Winter might have crept up on you, and the kids need decent jackets. You’re in a comfortable position to buy them, but you aren’t getting paid soon enough. In a situation like that, it makes perfect sense to borrow from us. You might also be paying off regular expenses like utility bills or car payments. A short term loan can help you stay on track with timely payments rather than fall behind; while a loan might cost a little more, falling behind on bills costs a lot more stress-wise.

Emergency? Let Us Help with Our Instant Cash Loans in Melbourne

The worst kind of unexpected expense usually involves an emergency. You might have sudden medical expenses for yourself, a loved one, or a pet. Your roof might start leaking, or your car might need a part replaced, and both of those can be deceptively expensive. In situations like those, you can come to us for quick relief. We can provide up to $50,000 to cover emergency costs, and our interest rates on those emergency loans can be tailored to your needs. You can also take your time repaying the funeral loan; none of our emergency loans involve any added charges for a longer repayment period. If you need to add a few months onto your payment plan, that doesn’t cost anything more either. We don’t punish our customers for difficulties. It just doesn’t make sense.

If it sounds like we can help in your situation, simply click below to begin the application process.

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