Instant Cash Loans


Quick loan - Apply in just 5 minutes!

Paperless and Faxless Application Process

Instant Cash Loans

Fill out the application, at, and if approved 4 hours later you could have money in your account.*

Quick Loans

Get connected with a cash loan right now!

Get a loan of up to $5,000* Complete our simple 5 minute application and if approved the lend will send the money directly to your account. Bad Credit is not always an issue. Quick Loan Cash Loan

Personal Loans are available to all states of Australia. Most of our customers are from Sydney, Melbourne, Brisbane, Perth, Gold Coast and Sunshine Coast areas.

Instant Cash Loans

Instant Cash Loans

What are Instant Cash Loans in Australia?

Instant cash loans in Australia are short-term loans designed to provide quick access to cash for those in need. These loans are designed to offer a quick solution to those in a financial bind, providing access to cash immediately. Instant cash loans can be used for a variety of purposes including getting out of a short-term financial bind, paying unexpected bills, making a purchase, or any other purpose.

Instant cash loans are becoming increasingly popular in Australia as they offer a fast, convenient way to access cash when needed. These loans are usually offered by banks, loan companies, and other lenders. They are usually unsecured, meaning the borrower does not need to provide collateral when taking out the loan.

How does an Instant Cash Loan Work?

Instant cash loans are designed to be quick and easy to apply for. The process is usually completed online, allowing the borrower to apply for the loan in minutes. Depending on the lender, borrowers may be asked to provide proof of identity and income, and the loan may be approved in minutes once all required information is provided.

Once the loan has been approved, the loan will be transferred to the borrower’s bank account. Depending on the lender, the loan may be available within a few hours or may take up to a few days to be processed.

Are Instant Cash Loans Expensive?

Instant cash loans can be expensive due to the high interest rates and fees charged by lenders. Rates and fees vary between lenders, so it is important to compare different lenders to find the most competitive rate. Also, it is important to make sure that you are able to afford the repayments before taking out the loan.

What are the Advantages and Disadvantages of Instant Cash Loans?

The main advantage of taking out an instant cash loan is that it provides quick access to cash when it is needed. This means that borrowers can quickly and easily access the money they need without having to wait for a long loan application process.

The primary disadvantage of instant cash loans is the high interest rates and fees charged. This means that taking out a loan can be expensive, and borrowers should make sure they are able to afford the repayments before taking out a loan.


Instant cash loans can be a useful way to access cash quickly and easily when it is needed. However, these loans can be expensive due to the high interest rates and fees charged. It is important to compare different lenders to find the most competitive rate, and to make sure that you are able to afford the repayments before taking out the loan.


What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you application.

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1

How It Works

If you have a cash flow problem is your best solution. A simplified application and

Is my personal information secure?

We use the most up to date and technologically advanced equipment and software to protect your privacy.

Happy Customers and Keeps Counting

Get pre-approved for a personal loan today!


Eligible Borrower:


A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer's next payday (This can be extended if required)

  • 18 years of age or older.
  • Australian Permenant Resident.
  • Valid check or savings account with direct deposit.
  • Regular income of at least $1,000 per month.
  • Bad Credit or Centrelink Customers are welcome to apply. (Centrelink)
  • *All Loans are subject to an assessment of suitability and affordability.

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

Before you get started owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral.

It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

Frequently asked questions

Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours

Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.

Yes you can. Your credit score does not always play a factor in most of our lenders decisions.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.

Please speak directly with your lender if you have any issues paying back the loan.

Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.

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