Shortterm Loans


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Shortterm 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.

Shortterm Loans

Shortterm Loans

What are Short-Term Loans?

Short-term loans are a type of loan designed to provide you with the funds you need for a short period of time. These types of loans are usually for smaller amounts and have very quick approval times, making them ideal for unexpected expenses that come up. The repayment period is generally short, usually within a few months, and the interest rate is often much higher than a traditional loan.

Short-term loans are a popular option in Australia, with many lenders offering a range of options that cater to different needs. They can provide an alternative to payday loans, which often come with high interest rates and fees. Short-term loans can also help you manage your finances, providing quick access to cash to cover unexpected expenses.

Understanding Short-Term Loans in Australia

Short-term loans are regulated by the Australian Securities and Investments Commission (ASIC). This means that lenders must comply with specific rules and regulations to ensure that borrowers are protected and are not taken advantage of.

When taking out a short-term loan in Australia, you should always make sure you understand the terms and conditions of the loan. You should also check the costs associated with the loan, including the interest rate and any fees charged.

The most common types of short-term loans in Australia are payday loans, personal loans, and line of credit loans. Payday loans are generally for smaller amounts and have a short repayment period, usually within a few weeks. Personal loans are usually for larger amounts and have a longer repayment period, usually within a few months. Line of credit loans are similar to a credit card, providing access to cash up to a certain limit.

Benefits of Short-Term Loans in Australia

Short-term loans provide access to cash quickly, allowing you to cover unexpected expenses or take advantage of opportunities. They also have a low application process, with many lenders offering online applications and quick approval times. The repayment period is usually short, meaning you can pay off the loan quickly.

Short-term loans can be a great option for managing your finances, as they provide quick access to funds without taking on too much risk. They can also be used to help you build your credit score, as long as you make your repayments on time.

Short-Term Loan Risks

As with any type of loan, there are risks associated with taking out a short-term loan. The most common risk is that you may be unable to make the repayments on time, leading to additional fees and interest charges. It is important to understand the terms and conditions of the loan before taking it out, and to make sure you can afford the repayments.

Another risk is that the interest rate on a short-term loan can be much higher than a traditional loan. It is important to compare the interest rates of different lenders to make sure you are getting the best rate possible.


Short-term loans can be a great option for covering unexpected expenses or taking advantage of opportunities. They provide quick access to cash and have a short repayment period. However, it is important to understand the terms and conditions of the loan, and to compare interest rates before taking it out.


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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