Quick cash loans when you come up short. Apply in minutes. We’ll do the rest.

  • From your own home

    Quick cash loans applications are 100% online

  • Highly Competitive Rates

    Smarter rates than a bank for same day loans

  • We are fast… Same day funding

    Outcomes within minutes – 1 hour quick cash 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 – fast – they turn to us

We know how frustrating it can be trying to sort through heaps of lenders to find the right provider for your cash loan. After all, who do you trust? Which 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? The right loan?

Not only can all this research be 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 cash loan, you have come to the right place. 

Offering same day loans from $300 to $10,000 with approvals within minutes. Want to know more?

Discover CashPal

We’re the pal for you, promise! Same day loans.

We’re here to help you. We want to be the pal you need when you’re looking for a 1 hour cash loan and same day 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 them.

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 offers, you will have the funds 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 Loans to get your same day loan.


  • Everyone’s different

    We find lenders who can say yes to same day loan

  • Lower repayments

    Compare us to others – We are fast, quick, and simple

  • Quick thinkers

    Fast turnarounds – Same day funding*

  • Stress-free

    Applications can be done from anyway!

  • We know our staff

    We’re experts at what we do – 1-hour cash loans

  • We’re on your side

    The pal you can trust for your same day loan

Have any questions?

Get then answered!

Visit FAQ

Get in touch with your pal

Feel free to call us!

Contact us

Getting your loan can be easier than you think! Let’s get cracking


  1. 01

    Submit your online application

    100% online! You’ll know if we can help you in a few quick minutes.

  2. 02

    We’ll hook you up

    We’ll find you with a lender who can offer you the loan you need.

  3. 03

    Just say yes!

    Once your lender has done a full, comprehensive assessment, they’ll pop you a contract to sign.

  4. 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 our lender-finding service

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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.

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.
read more

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

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

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

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

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

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

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

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

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.
Medium Amount Credit Contract (loans from $2001 to $4600), costs are:
  • 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.
Large Amount Credit Contract (loans from $5,000 to $15,000), costs are:
  • 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.
read more

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

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.
Medium Amount Credit Contract (loans from $2001 to $4600), costs are:
  • 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.
Large Amount Credit Contract (loans from $5,000 to $15,000), costs are:
  • 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.
read more

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

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

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

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

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

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.

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.

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