Get your instant cash loan in three quick steps


Apply online

The application is simple, and it only takes a few minutes to complete. You can apply any time of the day or night, all you need is a few personal details and make sure you check our lending criteria and fee statement. Then apply online today.


Application review

We review your application during business hours to make sure an instant cash loan will be suitable for your circumstances. We contact you within 30 minutes of receiving your application to let you know if you've been approved.


Instant cash loan

Once you've been approved, we'll get in touch during business hours to finalise everything, then we transfer the funds to your account instantly. Unfortunately, the banks aren't as fast as us and transfer times may vary.

What makes Club Money instant cash loans so fast?

  • Real people
  • Streamlined process
  • Responsible lending
  • Bad credit loans
  • Flexible repayments
easy payday loans

Real people

Our team works hard to provide the fastest service.

We have real people who handle your application, and they work very hard to make sure our customers get the best service we can provide. That's how we're able to review all application within 30 minutes.

However, our team needs to sleep occasionally, so we can only process applications during business hours. Application made after hours or over the weekend will be our top priority on the next business day.

Our team of people is also responsible helping our customers with any issue that might come up. If you're having trouble making your repayments, just give us a call we can reschedule loan to make it more manageable.

Payday loans

Streamlined process

It's easy to apply and get approval.

Our process is simple and straightforward. We've done our best to streamline our applications and approval process so that you can get your loan as fast as possible.

We take responsible lending practices seriously, so we take the time to review all instant cash loan applications properly. That means we can only approve applications during business hours. We're about efficiency, not cutting corners.

Quick loans

Responsible lending

We don't approve loans if they will be unsuitable.

Responsible lending practices are at the core of our business. We're a licensed Small Amount Credit Contract lender which means we're strictly regulated by the government.

We don't approve instant cash loans if they are going to cause financial hardship. We're upfront about all our fees, and we don't believe in charging unnecessary extra fees. Our regular fees are:

  • An establishment fee of 20% of the loan amount
  • A monthly fee of 4% of the loan amount

See more information on our fee statement.

online loans

Bad credit loans

You can still get an instant cash loan with bad credit.

We understand that not everybody has a spotless credit history. You may still be able to get an instant cash loan if you if you have bad credit so long as you meet our other lending criteria.

Your credit history isn't as important as your current financial situation. You may still qualify for a cash loan from Club Money if you have:

  • 90 days of problem free banking
  • Weekly income of at least $250
  • A bank account in your name

Read more about our lending criteria here.

Why a payday loan

Flexible repayments

We can help if you're having trouble.

At Club Money, we don't believe in making your situation worse with unnecessary fees. If you're having trouble making your repayments, all you need to do is call us and we can reschedule your payments.

We understand that people get instant cash loans in emergency situations, so a bit of flexibility can give you peace of mind.

Getting your cash loan fast can make all the difference in a difficult situation.

When you're looking for an instant cash loan, it's because time is of the essence. Dealing with an emergency can be very difficult if you don't have a lot of savings lying around to tap into.

That's why we offer instant cash loans. We know that people sometimes need to fix a broken-down car, replace an appliance, or pay for medical expenses. And these situations can't always wait until your next paycheck.

Our instant cash loans are as fast as they can be. We work hard to make sure you can get your loan as quickly as possible.

Get your instant cash loan fast, apply online today.



Start Your Application

!WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

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.