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Fish4Loans Fast Cash Loans review

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Fish4Loans Cash Loan
Maximum loan amount
Turnaround time
1 to 3 Days
Term of loan
16 days to 2 years
Do you really need a loan today? If you would like to speak to someone about your finances you can call the free National Debt Helpline on 1800 007 007.


Get a short-term cash loan of up to $2,000 with Fish4Loans. High fees apply.

Fish4loans offer short term payday loans that are straightforward to apply for and have a quick turnaround. New customers can apply for finance of up to $800, whereas existing customers can apply for as much as $2,000.

Even if you have a poor credit score or existing debts, you may still be eligible. However, all applicants will be required to provide proof of regular employment in order to qualify.

In this guide

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    • Product Details
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Product Details

Product Name Fish4Loans Cash Loan
Minimum loan amount $2,000
Maximum loan amount $400
Loan term 16 days to 2 years
Turnaround time 1 to 3 Days
Costs 20% of loan amount + 4% of loan amount each month
Available to Centrelink Borrowers? Yes

⚠️ 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.

How does a fast cash loan from Fish4Loans work?

If you need money in a hurry, Fish4Loans may be able to help. Unlike regular personal loans, which can take a long time to clear, Fish4Loans fast cash loans take just one to three days to transfer into your account, depending on your bank.

Good credit is not a requirement in order to be eligible for a Fish4Loans short-term loan. Bad credit applicants and customers with outstanding debts may still be able to qualify, depending on their situation. If you receive Centrelink payments, you may also still be eligible, provided that Centrelink does not make up more than 50% of your income.

Features of a Fish4Loans small loan

The following features apply to these loans:

  • Small loan amounts. Existing Fish4Loans customers can apply for up to $1,500. New customers can apply for up to $800.
  • Apply online. Filling out an application form only takes a few minutes and can be done fully online.
  • Fast funding. If approved, you will receive your funds within one to three days.
  • Loan term. Borrowers will be allocated a repayment date upon loan approval. Generally, this is a month from your application date (minimum 16 days).
  • Good credit not required. Applicants for Fish4Loans fast cash loans are not required to have a good credit history.
  • Centrelink applicants may be eligible. If you are employed and receive Centrelink payments, you may still qualify for a loan. This is only if less than 50% of your gross income comes from Centrelink and your repayments do not exceed 20% of your gross income.
  • No credit check. Fish4Loans does not conduct a credit check on customers for its short-term loans.

How much do Fish4Loans short-term loans cost?

How much a fast cash loan from Fish4Loans will cost may depend on your financial situation and your income. That being said, as this is a payday loan product, Fish4Loans is likely to charge the maximum amount as permitted by the ASIC. This includes the following:

  • Establishment fee. 20% of borrowed amount.
  • Monthly fees. 4% of what you borrowed, paid monthly.

Additional costs, such as late payment or dishonour fees, may also apply.

How you can apply

To apply for a Fish4Loans fast cash loan, click "Go to site" and submit an online application. In order to be eligible, you must meet the following criteria:

  • Be aged 18 or over
  • Be employed (if you receive Centrelink payments, this must make up less than 50% of your income)
  • Be an Australian citizen or permanent resident

Remember, if you are considering a short-term loan, it's important to compare your options prior to submitting an application.

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Robert John Dougherty

April 10, 2023

Can I get a loan with bad credit it’s still unpaid


Sarah Megginson Finder

April 17, 2023

Hi Robert,

Your eligibility to get a loan depends on a number of things, including your income, job security, current debt level and credit score.

It’s a good idea to check your credit score (you can do this for free using the Finder app ( on your phone. This will help you see if you outstanding debts on your credit profile, as these can make it harder to get a loan.

The best way to improve your changes of getting a loan is by repairing your credit score and building good credit, by paying existing bills and debts on time where possible.

Hope this helps!

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