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The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.
Quick Cash loans online when you come up short. Apply for a quick loan online in minutes. We’ll do the rest.
Highly Competitive Rates … Instant Approvals
Smarter rates than a bank for quick Same Day Loans
We are super fast… Same Day Funding
Outcomes within minutes – 1 Hour Quick Loans
- Large
Purchases - Home
Improvement - Holiday
Vacations - Wedding
Events - Pay Off Credit Cards / Bills
- Vehicle Purchase & Refinance
- Education Fees / Supplies
When Aussies need to find Quick Cash Loans Online – fast – they turn to CashPal
We know how frustrating it can be trying to sort through heaps of lenders to find the right provider for your quick loans. After all, who do you trust? Which online quick cash lenders are legitimate? How can you be sure you’re not going to get hit with unexpected fees? How do you know you will find the right lender to offer you the right? The right quick cash loan that you are looking for?
Not only can all this research be so time-consuming, but it takes from the most important part – submitting your loan applications and getting answers. Speaking of questions, head to CashPal FAQ’s to get all the answers to your questions regarding quick cash loans.
If you are short on time and would like to fill in just one application and have your CashPal match you with the lender most suited to your application for a quick easy loans, you have come to the right place.
Offering same day cash loans from $300 to $30,000 with instant approvals within minutes. Want to know more?
We’re the pal for you, promise!
We’re here to help you. We want to be the pal you need when you’re looking for a quick cash loan and same day quick loans.
We know that looking for a lender who can say yes can feel like a never-ending task. Making calls to a multitude of lenders during work hours, answering intrusive questions and having to jump through hoops can be painful. With CashPal, you’ll apply once. We’ll work to find you, one lender, to work with.
We’re on your side, ready to help you find the quick cash loans you need when you need.
Responsible Quick Online Loans at Cashpal
CashPal, being a lender finder has access to a wide range of lenders to suit almost most all types of applications without having to apply with all lenders. Once your application is approved by the lender and you are happy with the conditions the lenders offer, you will have the money in your account extremely quickly! Even as quick as the same day or even within the hour.
The best part is you can do the entire application off your phone 24 hours a day 7 days a week. Apply with CashPal Online Loans to get your fast cash loans.
Online Loans At Your Fingertips
Are you ready to take the first step to ease your loan stress? We understand that sometimes life throws you curveballs, and you may need a helping hand to get back on the right track financially. CashPal is an expert at helping you out of sticky situations. We pride ourselves in being able to facilitate quick and easy short term loans by matching you with the right lender.
Is it difficult to obtain a quick loan online?
Whether or not you will receive approval for your quick cash loan, depends on your circumstances. Whilst we can’t guarantee that you will be approved, we can guarantee that we will try our best to match you with the right lender and get you the best chance of the right loan with the right terms.
One Simple Aim: Offer Quick Easy Loans
Our aim is simple: To offer an accessible channel for loan borrowers in Australia to find quick cash loans with minimal stress. By automating the process of finding a lender, we are able to give you an answer within minutes. Rather than agonising whilst waiting for answers on multiple applications, we give you a clear outcome via our online submission form. You can apply for quick small loans to tide you over until payday, or larger loans for longer-term plans. Our loan requests start from $300 to $10,000, with repayment terms of 13 to 24 months. Have questions? Get in touch with a member of our team today!How we assess you for quick loans online
When assessing a loan application for quick online loans, most lenders will aim to get as much information as possible about how you make and spend your money, what you’re liable for, and who is dependent on you. Often, this can be a painfully slow manual submission process. Our electronic application form is much simpler. The form asks you simple questions about the amount you need, your repayment length and reason for needing the loan. In this form, you can enter as much, or as little information as you want. Although we don’t need an essay, providing ample information about your employment situation, and outgoings can be useful for us to find our customers loans quick. Once you are matched with an appropriate lender, they then may ask you for further information to tailor your loan contract. You may also be asked to provide bank statements, proof of employment, and ID.Everyone’s different
We find lenders who can say yes to Quick Cash Loans
Lower repayments
Compare us to others – We are Fast, Quick, & Simple
Quick thinkers
Fast turnarounds – Same Day Loans*
Stress-free
Applications can be done from anywhere! 24 hours a day 7 days a week
We know our staff
We’re experts at what we do – Quick cash loans
We’re on your side
The pal you can trust for your Quick Cash Loans is CashPal
Getting your loan can be easier than you think! Process for a Quick Cash Loan Online
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01
Submit your online application
100% online! You’ll know if we can help you in a few quick minutes.
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02
We’ll hook you up
We’ll find you with a lender who can offer you the loan you need.
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03
Just say yes!
Once your lender has done a full, comprehensive assessment, they’ll pop you a contract to sign.
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04
Money, baby, money!
If you’re approved, your lender will shoot your moolah over to you no later than overnight!
Check if you’re eligible for Quick Loan in Australia
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Apply for a Personal Loan
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Fees and Payments
What you need to know -
Additional Questions
We got you covered
What's the deal with Cash Pal?
Ahoy! Cash Pal's here to be a friend to you when money's a bit tight. We're experts in finding lenders that can offer quick cash loans (if we do say so ourselves). If you're eligible, we'll do our best to find a lender for you as fast as possible, so you're not kept waiting.
Can I apply for a personal loan?
There are just a few basic requirements that must be met before you can apply with Cash Pal. You must:
- Be 18 years old or over;
- Have been paid a regular income into a personal bank account for at least the past 90 days;
- Be an Aussie citizen, or have permanent residency;
- Have a direct contact phone number and email address.
Can I apply for a small personal loan if I receive Centrelink payments?
Provided you meet the eligibility requirements, you can apply. This includes the income requirement, which can include Centrelink payments. Once you submit your application form, we'll do our best to find a lender that can offer quick cash loans to Centrelink recipients. read more
How does the loan application process work?
To apply with our lender-finding service, head over to our application form. It's 100% online and should only take a few minutes. You can also make use of our loan calculator to get an idea of what your loan might look like. Simply adjust the slider to select the amount you would like to borrow, and the repayment period you'd prefer. However, keep in mind that these are just examples. Once you've applied, we'll get to looking for a lender. We always aim to provide fast outcomes, so we'll do our best to inform you of the results of our search as quickly as possible. If we find a lender for you, we'll refer you to them and they will then conduct their own assessment of your loan application. read more
What documents do I need for a small personal loan?
We only manage your application for our lender-finding service, and searching for a lender for you. During that process, we will access a read-only copy of your bank statements in order to find a lender. If you are receiving Centrelink payments, your lender may also require you to access your myGov account to verify this. Since we only handle the initial application and lender-finding, we won't need you to submit any supporting documentation to us. You might need to supply your loan provider with copies of bank statements, payslips, and/or bills, for example. They'll be looking to confirm both your identity and your personal circumstances. The requirements may differ from lender to lender, so it's probably best to wait for if we find a provider for you, then check what their requirements are. read more
Are you going to call my boss when I apply for a small personal loan?
We will not. However, your lender could do a quick employment check. Not to worry! Our partner lenders employ well-trained operators who would never disclose any personal information about you or your application to your employer. read more
How do I apply for a small personal loan?
We are 100% online, including our application process. All applications must be submitted via our mobile friendly website. If you need to get in touch with us directly, you can do so by filling out a contact form or sending us an email. read more
Can I get a no credit check personal loan?
That will depend on your lender. Some of the lenders we deal with conduct credit checks, while others do not. Regardless, the lenders we can find won't typically reject you just for having a bad credit score. read more
When can I apply for a small personal loan?
Applications can be submitted any time via our website, but we only process applications during regular business hours. Our hours are: Monday to Thursday - 8am to 6pm Friday - 8am to 4pm EST. If you apply or contact us outside of business hours, we will respond the next business day. read more
When do I get small personal loan money?
This will depend on your lender. If you have a different bank to your lender, it may take longer for the money to be transferred. read more
What do personal loans cost?
The costs of quick cash loan will depend on the lender. We encourage our lenders to be open about the fees and costs associated with their loans. Unless otherwise laid out by your lender, you can expect to pay something like this: Small Amount Credit Contract (loans from $500 to $2000), costs are:
- Establishment fee: 20% of loan principal.
- Flat monthly fee: 4% of loan principal.
- Direct debit dishonor fee in the event of a missed payment.
- Establishment fee: $400 flat fee.
- Annual Percentage Rate: 48%.
- Must be secured by a vehicle (car, boat, caravan or motorbike)
- Direct debit dishonor fee in the event of a missed payment.
- Annual Percentage Rate: 21.24%
- Must be secured by a vehicle (car, boat, caravan or motorbike)
- Direct debit dishonor fee in the event of a missed payment.
How do i pay my small personal loan back?
It's important to pay back a personal loan on time so that you don't incur extra costs or have any defaults added to your credit record! Once your loan is approved, ask your lender to help you set up a direct debit schedule in line with your payday – the amount you need to repay and when you receive your monthly payments are important here. read more
What interest, fees or charges are there with a small personal loan?
There is a common misconception that loans from small lenders are full of lots of different fees that you have to keep track of. In fact, the costs offered by our partner lenders are quite straightforward. All of the specific costs of your loan will be outlined in your loan contract: Small Amount Credit Contract (loans from $500 to $2000), costs are:
- Establishment fee: 20% of loan principal.
- Flat monthly fee: 4% of loan principal.
- Direct debit dishonor fee in the event of a missed payment.
- Establishment fee: $400 flat fee.
- Annual Percentage Rate: 48%.
- Must be secured by a vehicle (car, boat, caravan or motorbike)
- Direct debit dishonor fee in the event of a missed payment.
- Annual Percentage Rate: 21.24%
- Must be secured by a vehicle (car, boat, caravan or motorbike)
- Direct debit dishonor fee in the event of a missed payment.
What happens if my personal small loan payments bounce?
If you don't make a repayment, a dishonour fee is added to the balance of your loan. You should be able to find these fees outlined in your contract. Make sure you thoroughly read this document so that you know exactly what all the relevant fees are from the outset. If you think there's a chance that you'll miss a repayment, or if you're going to be paid late at all during your repayment period, make sure you let your lender know as soon as possible. They may me able to sort out an alternative arrangement. read more
What happens if i stop making repayments on my small personal loan?
If you stop making your repayments, you run the risk of having your default listed on your credit file. This could have a severe effect on your credit history and stay there for up to 5 years. Your account could be passed on to an external debt collection agency - a final step for lenders. If your circumstances suddenly change, contact your lender to find out if you could apply for Financial Hardship. read more
What is Financial Hardship?
If you have a sudden change in circumstances and are unable to meet your financial commitments like bills, expenses and loan repayments, make sure you advise your loan provider. If you are finding it hard to manage your finances, consult with an accredited financial adviser or visit www.moneysmart.gov.au. read more
Can I get more than one small personal loan at a time?
This will depend on your circumstances and the lender. If you apply with our lender-finding service, we'll do our best to find a lender for you. Alternatively, you can contact your current loan provider directly to see what options you have available. read more
Can I apply for a small personal loan if I am bankrupt?
If you are in a current or undischarged bankruptcy, we will not automatically count you out. Apply using the form above and we'll see if we can find a lender for you. read more
What are SACCs, MACCs and LACCs?
A SACC loan is a government-regulated Small Amount Credit Contract governed under the National Consumer Credit Protection Act (2009). Their repayment terms vary from 16 days to 1 year, up to $2,000. A MACC loan is also a government-regulated product under the National Consumer Credit Protection Act (2009). A MACC loan is a Medium Amount Credit Contract. MACC loan terms range up to 2 years for $2,001 to $4,600. Our lender partners typically only offer Secured MACCs where you offer security in the form of a car, motorbike, boat or caravan whilst the loan is being repaid. Finally, a LACC loan (also a government-regulated product under the National Consumer Credit Protection ACT (2009)) is a Large Amount Credit Contract. LACC loan terms range up to 2 years for $2,001 to $4,600. Our lender partners typically only offer Secured MACCs where you offer security in the form of a car, motorbike, boat or caravan whilst the loan is being repaid.
What happens if I have a complaint?
We're not happy if you're not happy. If you have had a less than satisfactory experience using our service, please let us know. You can contact us using the form on our contact page. We will get in touch with you quickly to see if we can resolve the issue. If you are still not satisfied with the outcome you can contact the Credit Ombudsmen Service Limited for an independent review. You can contact the Australian Financial Complaints Authority on 1800 931 678 or visit http://www.afca.org.au/ for more information.
What do I need to do to apply for a small personal loans?
If we find a lender for you and they approve your loan application, your primary responsibility is to ensure that you have sufficient funds in your account on withdrawal dates so that you can make your repayments. These dates can be set up in line with your pay and will be outlined in your loan contract. If there will be insufficient funds in your account, get in touch with your lender quickly so you can potentially avoid further fees and charges. read more