Finder makes money from featured partners, but editorial opinions are our own.

Cash Today Payday Loans

Borrow from $100 up to $80,000 with a quick turnaround time. These loans are expensive and feature high fees and charges.

No reviews yet. Write a review
Cash Today

⚠️ Warning about Borrowing

payday-warningDo 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:

  • 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.

Cash Today is an Australian personal and payday cash loan service. They offer payday loans with fast turnarounds, online approvals and direct deposit funding. You can borrow from $100 up to $80,000. Payday loans come with high fees and charges. You will be charged an establishment fee of 20% and a monthly fee of 4%. Payday loans are not a long-term financial solution and should only be used in case of emergencies.

Alternatives to Cash Today Payday Loans

Whilst we don't directly compare Cash Today Payday Loans, you could use the table below to compare a range of loan options available

Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans
12-20 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $3,000 that you repay over 12-20 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
Fundo Small Loan
13 to 26 weeks
Same day - conditions apply
20% of loan amount + 4% of loan amount each month
Borrow up to $2,000 and pay it off over 20 weeks. Same day approval for eligible borrowers.
Fair Go Finance Small Loan
3 to 12 months
24 to 48 hours
Establishment Fee of $60 – $400
A small loan between $500 and $2,000 that can be funded in 24 hours.
Safe Financial Small Loan ($500 to $2000)
13 to 50 weeks
Same day - conditions apply
20% establishment fee + 4% monthly.
Borrow from $500 to $2,000 with same-day funding and no early repayment fees.

Types of personal loans from Cash Today

Cash Today loans are straightforward small cash loans, designed to provide quick cash solutions for borrowers to manage bills and domestic budget expenses. The loans don’t require borrowers to provide a specific purpose for these loans.

Loan fees are based on a standard fee per $100 of the amount borrowed, with a set management fee. Please note, this is a different payment scenario to the conventional interest rates charged by banks and other lenders. Amounts payable are calculated on specific loan amounts, and do not include accumulated interest.

Cash Today loans are available for businesses and self-employed individuals on the same basic terms as those for other borrowers, although documentation requirements vary from other loans.

Features and benefits of a Cash Today personal loan

  • Simple repayments. Payments are deducted regularly, typically on a weekly basis, by direct debit through a nominated bank account with loan fees and charges based on agreed loan contract terms. Payments are structured to discharge the loan over the term of the loan, with each payment being for the same amount.

  • Early loan repayment options. Cash Today permits early repayment of loans without incurring penalties or other charges.This early repayment option may be of value to borrowers if early repayment discharges the loan prior to the due date for finalisation, and thereby reduces the cost of loan fees and charges.

  • Fast pre-approvals. Cash Today states that pre-approvals are granted quickly, in line with their advertised service of providing fast cash for borrowers. Pre-approvals are not loan approvals but preliminary approvals related to the initial information supplied by borrowers. Final loan approvals are based on the provision of required documentation and a formal assessment process, after which the lender gives formal approval to the loan application.

  • Quick funding. Cash Today advertises a 24-hour funding process after the approval of loans, subject to financial institution processing time frames. Quick funding is a primary focus of Cash Today’s loans, which may be useful to borrowers by providing access to funds more quickly than other borrowing options.

How to apply for a personal loan from Cash Today

In the first stage of application, borrowers register with Cash Today, providing basic information and creating a password to access their accounts. After registration, borrowers click ‘Continue’ to proceed to the loan application form page. The completed loan application is submitted, and Cash Today conducts an assessment, providing either information regarding required documentation or notifying borrowers whether the loan application is approved or declined.

To be eligible for a Cash Today loan, borrowers must be employed for at least four consecutive months, and have had a valid bank account for at least three months.

Cash Today loans are designed to assist borrowers with small cash flow issues. These loans are classic payday loans, structured to provide interim cash when borrowers need money to cover expenses.

The basic loan model of Cash Today loans is market standard, charging set fees per $100 of loan amount plus management fees, with a quick turnaround loan term and regular loan repayments.

More guides on Finder

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

4 Responses

    Default Gravatar
    AlanJanuary 12, 2024

    I’m trying to get in touch with cashtoday to see my application was successful thank you

      SarahJanuary 12, 2024Finder

      Hi Alan,

      You can contact their customer service team for more info.

      Customer Service Hours of Operation
      Monday – Friday 9am – 5pm (excluding public holidays)
      Phone: 0498 727 068
      Customer Service Email:

    Default Gravatar
    DanielDecember 10, 2017

    I need emergency help on a Sunday today do u know what I can do. I need a payday loan today I’m in a pension don’t know credit but it aint perfect I need one I can call and speak to as I need to tell them the situation and details of sorting a previous one who had dishonorthing

      MayDecember 10, 2017Finder

      Hi Daniel,

      Thank you for your inquiry. The possible lender that you can directly contact with is listed on our pensioner loans page. From that page, you can find our guide on how pensioners can get a loan based on their financial situation.

      You can click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Hope this helps.


Go to site