Apply Today. Get Cash Today.

At Club Money, we help Australians to get access to extra cash and low cost fast cash interest rates. Whether you need cash for a surprise bill or last minute expense, we could help with our low interest loans. Speak with us today on 1300 242 274 or apply online. It's easy!


Call us

We can help you. Our phone lines are open between 9am and 9pm.
Call Us: 1300 242 274


Apply online

Fill in the online application form 24 hours a day.

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How to Qualify

  • 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?

  • If you have these 4 things, CLUB MONEY can help you TODAY.


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Low Interest Loans, Fast. Apply Online Today.

  • How we compare
  • Transparent fees
  • What customers say
  • Exclusions
  • How to apply
compare loans

How do our loans compare to a credit card or personal loan?

Applying for a new credit card or a personal loan with your bank can take time. That's fine if you've got an expense that can wait. But what if it's urgent? What if you need cash, fast?

That's where we, at Club Money, come in. We offer fast loans for when you need cash without the wait. So, how fast is fast? Here's how our low interest loans stack up against common alternatives.

 Response timeCash/card delivery
Club Money loanAbout 30 minutes from the time you send the completed application form and documentation (during normal business hours). Source.Transfer to major banks can take as little as two hours. Transfers to smaller institutions and credit unions may take one to two days.
ANZ credit cardYou should receive a response in 60 seconds, with an online application reference number. Source.Once approved, you will usually receive your card and welcome kit within five business days. Source.
Westpac personal loanOnce you apply for a personal loan online, we should be able to get back to you within two business days. Source.Once your loan has been approved, the money can be in your Westpac account the following day. Source.

Choose Club Money, for low interest loans with fast approval and transfer. Whether it's for an unexpected bill or a last minute expense, call us, we could help.

loan fees

We put all of our fees upfront, so there are no nasty surprises

With Club Money, you'll never get caught out with an unexpected charge or hidden fee. That's because, when it comes to our low interest loans, we put all of our fees upfront. So, you know exactly what you'll pay and when. There are no surprise charges or hidden fees.

What are our fees?

  • Establishment fee: 20% of the principal (amount borrowed)
  • Monthly fee: 4% of the principal (no compound interest)

Penalty fees may also apply in the event of a payment being dishonoured. As well as in the event of an arrears letter or default notice being issued.

If you have any queries regarding our fee structure, our low interest loans or our fast cash interest rates, call our service team. They're available 9am to 9pm weekdays to answer any queries you may have. Alternatively, you can read our full fee statement here.

loan reviews

Here's what real customers say about our service

At Club Money, we are committed to providing low interest loans that are easy to understand and simple to use. We strive to provide fast cash interest rates that you can afford, while upholding the highest standards of customer service.

Here's what previous customers say about our low interest loans.

"I really do appreciate all of your help over the time of the loan. You have really made my life so less stressful with everything that has been going on." - Theresa
“Just some feedback regarding the service I have received with my first loan from Club Money. I have not once had any troubles whatsoever with Club Money from the time I lodged my application to end. I find it great no late fees apply to customers who would like to amend payment dates." - Susan

Still not convinced? You can read full testimonials, as well as quick cash loan examples here. You can also read more about fast cash interest rates and past Club Money customers in our case studies here.


We always do our best to help. However, we do have some exclusions.

We always do our best to help. However, we are also a responsible lender. That means we do have some exclusions, and that in some cases we will be unable to offer our services.

We will be unable to help if:

  • Your income is derived solely from Centrelink
  • If you have more than one other loan active
  • If you do not have a take home pay of $1000+ p/m

Other exclusions do apply. You can see our full lending criteria here.

Whilst we may be unable to help you now, we could potentially help you in future. We say, just because you are ineligible for one of our low interest loans now, doesn't mean you always will be.

Should your circumstances change, get in touch, we assess your application based on where you are now, not where you were yesterday. Provided you meet our lending requirements we may be able to help you with low cost fast cash interest rates.


Applying with Club Money is as easy as 1, 2, 3

Because our low interest loans are smaller in size than many traditional loans, we do not need much of the paperwork that is required with other loans.

To apply with Club Money, you will need the following:

  1. 100 points of identification
  2. The details of a bank account in your name
  3. Proof of regular employment with a take home pay of $1000+ p/m

Applying online takes just minutes and we could get back to you regarding approval within 30 minutes. Should you apply outside of normal business hours, your application will be processed on the following working day.

If you have queries regarding our low interest loans or our fast cash interest rates, contact our team online or over the phone on 1300 242 274.

Ready to apply? Get started here.

No compound interest. Only simple fees.

With a compound interest loan, you pay interest on the principal and on interest accrued. These kinds of 'interest on interest' loans aren't always straightforward. Therefore, costs can seem to come out of nowhere.

Our low interest loans are different. Instead of compound interest, we charge easy to understand fees. These include an establishment fee of 20% of the principal and a monthly fee of 4% of the principal.

We know that, from time to time, everyone gets caught short. We believe that that shouldn't make your life complicated. That's why we provide easy low interest loans, with low cost fast cash interest rates.



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.