Same day loan approval, to money in the bank. How long does it take?



  • Our application process takes minutes to complete
  • You can be approved within 30 minutes during normal business hours
  • We bank every business day before 5pm
  • Money can be available same day, depending on your bank.

More questions? Call the Club Money team today on 1300 792 932


It’s possible, depending on your bank. A same day loan from Club Money is approved and sent on the same day you apply, or the next business day if you apply after normal business hours. The funds are sent directly to your bank account via a bank transfer by the end of the day.

In a perfect world, the funds would arrive in your bank account instantaneously. However, it can take anywhere from a couple of hours to a day or two for the cash to hit your bank account. This part is up to your bank and their processes (but the good news is that Australian money transfers look like they are going to get faster in the future).

At Club Money, our nominated bank is Commonwealth bank. In our experience, transferring funds within the same bank is generally quicker than transferring between two separate banks. Smaller banks, such as Credit Unions may take longer to process these transactions.


Although there is not much we can do about the speed of bank transfers, there are still some things you can do to make sure that the approval process is as fast as possible. By making sure that your loan application is fully completed and correct, you’ll get the best chance of funds being released the same day.

How can you make sure that your same day loan application is 100% correct? Follow our loan guidelines carefully:

  • You must be at least 18 years old
  • You must be an Australian resident
  • You must be employed, and earn more than $250 a week. You need to have received at least three consistent payments from your employer
  • You must have a bank account registered in you name


Other than accessing cash in hand, there are no faster alternatives to a same day loan if you need quick cash. Our application process can take minutes to complete, and you’ll get approval within 30 minutes during normal business hours.

So, what are some of the alternatives to same day loans?

  • Credit Card – Although you can apply for a credit card online, the barriers to entry are quite high. You may need to provide extensive documentation and have a squeaky clean credit history. Even after you have been approved, it can take up to 10 days to receive your card in the mail. Not ideal for getting quick cash!
  • Personal Loan – A personal loan is a common consumer loan offered by most banks, with values up to tens of thousands of dollars. These loans are not ideal if all you are looking for is a small amount of cash to tide over a brief shortfall between pay days.
  • Borrowing from friends or family – If you’re lucky enough to have someone you can ask to borrow money, then this could be an alternative to a pay day loan. But we all know that asking for money can be awkward or embarrassing, so it’s understandable why you may want to keep your money matters to yourself!

The long story short? A same day loan is quick and easy way to access fast cash, allowing you to smooth over a money shortage and get on with your life!


At Club Money, we offer same day loans to those who are in need of fast cash, without the hassle of going through a bank.

We start from a position of understanding; we understand that life can get tough, and our service helps smooth over life’s little rough patches. Club Money same day loans are:

  • Simple – No complicated documentation required – just identification and internet banking details.
  • Fast – Get loan approval the same business day.
  • Convenient – Apply online within minutes, whenever and wherever you are.
  • Accessible – Previous bankruptcy or past defaults? A bad credit history won’t stand in your way.
  • Manageable – You choose a repayments schedule that works for you.

Ready to apply for a cash loan online? Let’s go!