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Weekend loans

Most lenders operate during business hours, so here's what you need to know if you're applying for a loan close to the weekend.


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Short term lenders can usually provide funds between an hour and one business day, but there is a cut-off point to apply if someone requires the cash on the weekend. If it's close to the end of the week and you're considering a small loan, use this guide to find out when you'd need to apply by to get the funds in time, to compare loan options and discover the factors you should weigh up before applying for a short term loan.

Are you struggling financially?

If you're struggling financially and would like to speak to someone for free financial advice, information and assistance you can call the Financial Counsellors hotline on 1800 007 007 (open from 9:30am to 4pm, Monday to Friday). If you are suffering financial problems related to the coronavirus pandemic you may be eligible for additional support. Find out more here:

⚠️ 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.

Compare short term weekend loans now

Compare short term loans in the table below. Learn more about the loan in a product review by clicking 'More info' or select 'Go to site' to submit an online application.


Sunshine Short Term Loans

This is a short-term loan offer with a fast and easy online application for good or bad credit borrowers. You can apply today to get approved for up to $2,000. Get your loan funded in 30 minutes - conditions apply.
  • Loan Amount: $2,000
  • Loan Term: 9-14 weeks
  • Turnaround Time: 30 minutes - conditions apply
  • Fees: 20% of loan amount + 4% of loan amount each month
  • Bad credit borrowers OK
  • Quick & easy Approval
Sunshine Short Term Loans
  • Bad credit applicants considered
  • Fast approval service
  • Borrow up to $2,000
Go to site More info
Data indicated here is updated regularly
Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
Sunshine Short Term Loans
9-14 weeks
30 minutes - conditions apply
20% of loan amount + 4% of loan amount each month
A small loan up to $2,000 that you repay over 9-14 weeks. Loans approved and funded in as little as 30 minutes.
Nimble Short Term Loan
62 days to 9 months
1 hour - conditions apply
20% of loan amount + 4% of loan amount each month
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
Fair Go Finance Small Loan
3-12 months
1 business day
Establishment fee 20% of loan amount + monthly fee 4%
A small loan between $500 and $2,000 that can be funded in 24 hours.

Compare up to 4 providers

Swoosh Finance

Swoosh Finance


48 % p.a.

variable rate


65 % p.a.

comparison rate

  • Borrow up to $4,581.80
  • Loan term up to 2 years
  • Instant online decision
Security Logo

100% confidential application

Swoosh Finance

Swoosh Finance offer fast, reliable, and hassle-free secured loans up to $4,581.80 for when you are in need of money.

  • Loan amount: $4,581.80
  • Loan term: 12-24 months
  • Turnaround time: Next business day
  • Fees: $418.20 + 48% p.a. of borrowed amount
Go to site
Data indicated here is updated regularly
Name Product Maximum loan amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $5000 Loan)
Swoosh Finance
12-24 months
Next business day
$418.20 + 48% p.a. of borrowed amount
A secured loan up to $4,581.80 you can apply for in 10 minutes. Have up to 2 years to repay what you borrow.
Credit24 Medium Term Loan (Good Credit)
12-24 months
Same day
$400 establishment fee + 48% p.a. interest
A small loan with long terms: Apply for up to $10,000 and have up to 3 years to repay.
Jacaranda Finance Medium Personal Loan
13-24 months
Instantly - conditions apply
Establishment fee of $400 + 48% APR
Borrow up to $4,600 and get access to your funds in as little as two hours.
Nimble Medium Loan
up to 22 months
1 hour - conditions apply*
Application fee of $400 + 47.62% p.a.
Apply for up to $5,000 and have up to 22 months to repay.

Compare up to 4 providers

When to apply to receive a loan by the weekend

BrandCan you get a weekend loan?Conditions for same-day cashLoan amountsMore details
Cash ConvertersYesApply at any time for a cash advance in-store.$100–$2,000More
Cash TrainYesCustomers that bank with one of the Big Four can receive it on the same day. The loan needs to be approved by 2pm on a business day.$200–$2,000More
enablyYesApproval takes one hour and you'll be transferred funds minutes after if bank with CommBank. Other banks usually receive funds the same business day.$200–$2,000More
MoneyMeYesApply during business hours on Friday, approval and funds transfer takes one hour. Receiving funds depends on bank processing times.$500–$50,000More
NimbleYesLoan needs to be confirmed before 4:30pm to receive within the hour.$300–$5,000More
Sunshine LoansYesLoan needs to be approved within business hours to receive it within the hour.$150–$2,000More
Swoosh FinanceYesLoan needs to be approved by 3:30pm to be transferred overnight.$2,000–$4,581.80More
Wallet WizardYesLoans need to be approved by 2:30pm to receive same-day funds.$500–$5,000More

Weekend loans comparison

  • Wallet Wizard: Loan amounts from $500 to $5,000. Loan amounts from $500 to $5,000. A flexible line of credit with bad credit and Centrelink applications considered.
  • Sunshine Loans: Loan amounts from $150 to $2,000. Get a quick cash loan with no credit check in time for the weekend.
  • Nimble: Loan amounts from $300 to $5,000. Need a loan before the weekend? Nimble short-term solutions can cover you when you're caught short.
  • Ferratum: Loan amounts from $500 to $1,900. Flexible eligibility criteria and a quick application process.

Should you really get a loan for this weekend?

Before applying for a short term loan, applicants should ask themselves the following questions to ensure they can afford to repay the loan and that they're eligible to apply:

  • Do you really need it? Think carefully about what you need to spend money on this weekend before you take out a loan. Borrowing money from a payday lender is expensive and should only be used as a last resort.
  • Can you afford the repayments? Short term loans can be expensive, so it's important to consider the fees, your budget and calculate whether you can afford to make the regular repayments before applying. If a customer doesn't make the repayments on time, they will be charged fees, attract debt and hurt their credit score. If you do apply for a loan, make sure you're only applying for an amount that you can repay.
  • Is the lender reputable? Check the lender has a credit licence listed on its site and that it's easily contactable. It should have its fees and charges clearly listed as well.
  • Are you eligible for the loan? It's important to check that you meet the minimum eligibility criteria before applying. People shouldn't apply for more than one loan at once either. Submitting multiple applications in a short space of time can damage your credit report and make it harder to be approved for credit in the future.

How to apply for a weekend loan

To apply for a loan and receive the funds by the weekend, people may need to apply by the lender's specific cut off time. It's also important to check the eligibility criteria and required documents to apply for the loan.

Eligibility criteria

The exact criteria will vary depending on the loan and lender, but the requirements usually require applicants to:

  • Be over 18
  • Earn a regular income (this may include government benefits as long as it doesn't account for more than 50% of total income)
  • Be an Australian citizen or permanent resident


  • ID. This includes a photo ID, such as a driver's licence, proof of age card, passport or Medicare card.
  • Bank statements. The lender will require 90 days of bank statements.
  • Income and employment. This includes annual income, pay frequency, employment status and employer's details or details of Centrelink income.
  • Loan details. Including how much the applicant wishes to borrow and for how long.

Find alternatives to weekend payday loans

Rates, fees and factors to consider before applying

Here are some questions to ask before applying for a short term loan.

  • What fees and rates will I be charged?
    Short term lenders offering $2,000 or less will charge customers a monthly fee (up to 4% of the principal loan amount) and establishment fee (up to 20% of the loan amount). Check the details of the specific loan for the fees that will apply.
  • How long do I have to repay the loan?
    This will differ in repayment terms and flexibility of the repayment structure. Most repayment dates will line up with the frequency at which the customer is paid, whether that be weekly, fortnightly or monthly. The repayment period typically varies between 9 weeks and 2 years depending on the loan.
  • How quickly will I receive my loan?
    The turnaround time to receive the loan could be an hour or a business day, so people should check what these turnaround times are and when they'll need to apply to receive the funds by the weekend.

How much does a weekend loan cost?

Lenders are restricted as to how much they can charge you for a short term loan. The Australian Securities and Investments Commission (ASIC) has set the following rules for lenders:

  • Loans under $2,000.Lenders cannot charge more than a 20% establishment fee and a 4% monthly fee. Lenders can also charge late fees and enforcement expenses.
  • Loans $2,001 - $5,000. Lenders can charge a one-off establishment fee of up to $400 and an annual rate of 48% that includes all other fees and charges.
  • Loans over $5,000 with repayment terms over two years. All fees and interest cannot exceed 48% p.a.

How else can you get money by the weekend?

As short term loans are an expensive form of credit, people should consider and compare other alternative forms of credit before applying:

  • Credit card. If you already have a credit card, this could be an alternative to a short term loan to cover a necessary weekend expense. All transactions will attract interest unless the balance is paid in full by the statement due date, so it's important to spend within your means and aim to repay the amount in full.
  • Personal loan. Some banks offer same-day personal loans to existing customers. If this isn't offered by your current bank, other lenders may be able to offer similar terms, although the approval time may take a bit longer.
  • Overdraft. Once an overdraft facility is set up, you can access the money whenever you need to directly from your bank account. Fees may apply.

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10 Responses

  1. Default Gravatar
    benApril 9, 2016

    i applied for a loan today which is saturday. when wil i get it

    • Avatarfinder Customer Care
      ElizabethApril 11, 2016Staff

      Hi Ben,

      This depends on the lender. However, the majority of lenders can only transfer your loan funds to you during banks normal operating hours, so you’re likely to get your loan on the next business day.

      Hope this helps,


  2. Default Gravatar
    HowApril 9, 2016

    How do I applie for the loan

    • Avatarfinder Customer Care
      ElizabethApril 11, 2016Staff


      Each lender has a different application process, but to get started for the lender you have chosen to apply with, just click “Go to Site”. After this you will arrive at the lender’s website and you will need to confirm you meet the eligibility criteria and select your loan amount and terms. Then you fill in an application form and see if you are approved. The turnaround time to receive your funds will differ between lenders.

      Hope this has helped,


  3. Default Gravatar
    DangMarch 13, 2016

    I applied for a personal loan on friday when does the moneu go to my bnk?

    • Avatarfinder Customer Care
      ElizabethMarch 14, 2016Staff

      Hi Dang,

      Thanks for your question.

      This depends on the lender you apply with. Generally, your funds will arrive on the next business day after you are approved, although you can receive your funds sooner depending on who you bank with. It’s best to get in touch with your lender to confirm this.

      I hope this has helped.



  4. Default Gravatar
    emaDecember 6, 2015

    I applied for a centrelink loan on a sunday and I bank with nab, just wondering, will I recieve it on monday? Thank you

    • Avatarfinder Customer Care
      ElizabethDecember 7, 2015Staff

      Hi Ema,

      This depends on which lender you applied with – most lenders will be able to have your loan to you by Monday as you bank with one of the big four banks. You can check the turnaround time by clicking on the lender’s name from the review tables.

      I hope this has helped.



  5. Default Gravatar
    AnyaJuly 18, 2015

    Hi there,
    I need the money today which is a non buisness dat cause it’s Urgent. How do I get it????

    • Avatarfinder Customer Care
      ElizabethJuly 21, 2015Staff

      Hi Anya,

      Thanks for your question.

      You can take a look at our comprehensive guide on the page above to find out about your weekend loan options. Click through to the lender’s website or our review pages to find out when you can receive your loan amount.

      I hope this has helped.



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