As long as you’re communicating with us, we won’t be adding extra fees.
Unlike many lenders, we do not believe in making your situation worse by adding unnecessary fees.
Most other lenders will charge you a default fee of more than $30 and add $7 every day until you make up the missed payment.
We would rather speak with you than simply add on extra fees.
Contact us at least 12 hours before a payment becomes due to avoid any extra charges.
Feel free to apply as long as you:
Have a job and receive a regular income of more than $250 per week
Have 90 days of problem free banking (no reversals)
Have no more than one Loan.
Do not spend more than 10% of your income on gambling.
Reward - Get 1 month interest free and 25% off monthly fees. Conditions Apply.
We do loans up to $5,000. Speak to our customer service representative now and apply online.
If you are an existing client, redirect queries to sarah@clubmoney.com.au.
Making a minimum $1,000 take home per month?
Are you are 18+ years old and an Australian resident?
Do you have a bank account in your name?
Have you got 100 points of ID?
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We understand that sometimes Australians need money fast. Whether it's for an unexpected bill, car repair, or last-minute weekend getaway, we get it, sometimes you need money without the wait. That's why at Club Money we always strive to provide fast cash loan solutions.
So, how fast is fast?
Exactly how long transfer of funds will take will depend on your financial institution. Transfers to major banks like Westpac, NAB, or the Commonwealth Bank can take just two hours. Transfers to smaller institutions and credit unions may take one to two days.
Unlike with larger loans, loans of up to $5,000 do not require extensive documentation. This means you do not have to waste time chasing down misplaced or infrequently-used documents.
Yes! At Club Money, we only offer small-sized loans, which means we can keep paperwork to a minimum. Our online application form can be completed in minutes. And, with cash loans of up to $5,000, extensive documentation isn't required. From start to finish, we make getting a little extra cash fast and easy.
What do we need?
That's it! Simply fill out an application form, provide the above details and you could have your cash by the end of the day. If at any point during the process you have a question about service, call us. Our friendly staff will be happy to answer any queries you may have.
We consider all applications. However, we are committed to being a responsible lender and to only supplying loans to suitable applicants. Therefore, in some cases, we will be unable to offer a cash loan.
Absolutely. At Club Money, we put all of our fees upfront, so there are never any unexpected costs or nasty surprises. We're flexible too. So, if for whatever reason you cannot make a repayment, get in touch, we may be able to help you to reschedule your cash loan. And, provided you keep us in the loop we can, in some cases, waive penalty fees.
Trust us for:
We do not charge compound interest on any of our loans. Instead, we charge two easy-to-understand fees. An establishment fee of 20% of the principal (the borrowed amount) and a monthly fee of 4% of the principle. Penalty fees, in some circumstances, may also apply. You can see our full fee statement here.
Club Money is a completely online service, so we only accept applications via our website. You can, however, call us on 1300 242 274. Our friendly staff are available during normal business hours and will be happy to answer any questions you may have regarding our service.
Yes! We understand that credit history doesn't always tell the full story. Circumstances change. Just because you've had difficulties in the past, doesn't mean you can't meet your financial commitments today. Everyone deserves a second chance. That's why we consider all applicants, including those with bad credit.
Choose Club Money for:
Unfortunately, we cannot provide loans to applicants whose income is derived solely from Centrelink. Additionally, individuals must meet our lending requirements. We are committed to only providing loans to suitable candidates. Therefore, we are unable to offer loans to those in selected circumstances.
Have you been denied elsewhere? We may be able to help. Provided you meet our lending requirements, you may be eligible for a Club Money loan, even if you've had an application rejected by another lender.
At Club Money, we always strive to make our loans easy and worry-free. From our straightforward application process to our simple monthly repayment options, we take the hassle out of managing your cash loan. Plus, should you need to reschedule a repayment, we may be able to help you with that too.
Make managing your cash loan easy with:
With a Club Money loan, you'll always know how much you'll pay and when. There are no hidden costs or surprise expenses. You can apply for your loan online anytime using your computer, smartphone or tablet. Extensive paperwork is not required, and approval can take as little as 30 minutes.
To get started with Club Money, see our loan application page. Provided you meet our lending requirements and are able to supply the necessary documentation, you could have your cash by the end of the day.
We provide loans for life's unexpected hurdles - no hassle, bank lines, or long approval/transfer times!
With our loans, the amount you can borrow will be determined by the information you provide, but could be anywhere up to $5,000. The loan can be used for any purpose.
A small cash Loan is a short-term solution, repaid over a period of between 61 days and 12 months. No guarantor or security required!
Whatever the reason for your loan, Club Money can help you out.
Got bad credit? That's no problem if your recent banking is problem-free.
Learn more
Got bad credit? That's no problem if your recent banking is problem-free.
Learn moreAs Featured on
Applications not accepted in-branch. Apply online here
Fax 03 9663 2217
Industry Associations
Recommended Resources
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
