We Can Help You.

Caught short? A small loan is an easy way to get quick cash to cover those unexpected expenses.
we think a bad credit history is history,so try our quick online application process and get approved today!
apply online or talk to us on 1300 242 274.


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WE CAN HELP YOU. OUR PHONE LINES 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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Choose Club Money for small loans with big benefits

  • Lightning fast
  • Easy application
  • No surprises
  • Flexible repayments
  • Yes to bad credit
Instant loans

Small loans, small wait

You're after a small loan, not a long wait. We get it. Whether it's for an urgent bill, last-minute gift, or surprise night out, we understand. Sometimes you need a bit extra. That's why Club Money provide little loans, lightning fast.

Our application process can be completed in minutes. Provided you meet our minimum lending criteria, review and approval may take as little as 30 minutes. And once approved, we transfer your money. No unnecessary delays. No queues. Just cash, direct to you.

Money transfer times do vary. Customers with an account from a major Australian bank, like NAB or Westpac, have in the past gotten their money in less than two hours. However, customers with smaller banks or credit unions may have to wait a day or two. If you apply late in the day or on the weekend, you can expect your application to be reviewed on the following business day.

Fast approvals

Loan applications made easy

Getting a small loan shouldn't be a big deal. And with Club Money, it doesn't have to be. We make applying for a modest-sized loan easy. We don't ask you to complete complicated forms or answer intrusive questions. Because of this, many of our customers are able to apply in just minutes.

To apply, visit our website on your smartphone, tablet or computer – whichever suits you. Just make sure you have your identification and bank details handy. Application is then as simple as submitting your details and your desired loan amount.

Please note, in order to qualify for a Club Money loan, you must be making a minimum $1000 take home pay per month. You must be an Australian resident and at least 18 years of age. You must also have a bank account in your name. And finally, you must have 100 points of ID, which can include your driver's licence and/or Medicare card.

no surprises

We put all our fees upfront

At Club Money we put all of our fees upfront, so there are never any unexpected costs or nasty surprises. We want to help our customers to make an informed decision when choosing a loan, and to do that we make understanding our fees simple. So you know exactly what you pay and when.

Unlike large lenders, we do not charge compound interest on our small loans. Instead, we charge an establishment fee of 20% of the principal (the amount borrowed) and a monthly fee of 4% of the principal. Penalty fees, in some circumstances, may also apply. You can see our full fee statement here.

If you have any questions about your Club Money loan, either during the application process or during the course of your repayment period, call us. Our staff are friendly and knowledgeable. They can provide you with no-nonsense answers and easy-to-understand advice.

flexible loans

Your loan, your way

Every customer's small loan needs are different. We understand that. That's why we don't take a one-size-fits-all approach to repayments. We know some customers just need an advance until the next pay cheque, while others are looking to repay over the course of the year. So we offer both options.

If you want to, you can pay your loan back in just 61 days. If you'd prefer smaller, regular repayments, you can repay your loan over the next 12 months. Or, you can choose a repayment period of any length of time in between. As long as that time is between 61 days and 12 months, it can be up to you.

We also know that situations change – sometimes unexpectedly. If for any reason you can't make a payment, or you're having trouble repaying your loan over overall, call us. Our friendly staff can help to reschedule your loan and repayments to suit your new situation.

bad credit history

Do you need a second chance?

Is bad credit holding you back? Have you applied with other lenders, only to have your application rejected because of your credit history? Do you need a second-chance? At Club Money, we know that credit history doesn't always tell the full story. We'll consider your application, may not.

Everything from a simple unpaid phone bill to previous bankruptcy can affect your ability to get a loan. Often this burden can hang around for years. Even if your circumstances and financial situation changes significantly, lenders may still judge you on your past mistakes. We're not like that.

We look at where our customers are now, not where they were. Because of this, we've been able to help numerous Australians who couldn't get a loan elsewhere because of bad credit. So, if you've been denied a loan by other lenders, call us. We may be able to help.

Feeling under financial pressure? Get some breathing space with a small loan.

Take charge of your financial situation today with an online small loan.

You could be eligible for a fast cash loan, up to $5,000. We only consider your current situation,
not a bad credit history.

Most small loans are repaid within a matter of week or months. Get your financial situation sorted with a small loan today. No guarantor or secuirty required!



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.