Instant Loans 

$50 to $5,000 paid out today!


100% No obligation loan quote


Get your cash in 60 minutes once accepted*


We don’t credit check or charge any fees†

Fast 3 to 36 month online loan.



Instant Cash Loans Without Hassle

Are you in need of a bad credit loan? Or do you suddenly find yourself in an urgent financial situation? The truth is, we can’t always be on top of our financial game and sometimes we find ourselves in unplanned debts. We would need a safety net to cushion a fall and plan B to enable us to get through. That is what we do. We are here for you.

We at SameDayLend can’t guarantee we can provide you with online instant cash loans but we make your online instant loan application very fast and with no fuss. You don’t have to spend days applying for a personal loan. With SameDayLend our application is 100% online, by completing and submitting an online application form, processing would start within minutes. In addition to this, you would get an outcome within 60 minutes, if your loan application is approved, depending on your bank, you could access your cash in a matter of minutes.

If you are yet to be convinced, continue to read so that you can learn more about instant loans and how SameDayLend could help you sort out your expenses today.

What are Instant Loans ?

The Internet has made money management easier than before, banking has become quite seamless, no paperwork, and faster. Hence, our access to money has also become stress-free when we need finance. Now, when we need quick money, you can easily find instant loans online when you search for “online instant loans in Australia” on any search engine. But what do we mean by instant loans and are instant loans legitimate?

Instant Loans

Definition of instant loans:

Instant loans are a type of financing that requires little documentation and outcomes are very fast. Instant loans are sometimes referred to as quick personal loans or fast loans according to the lender’s terms. Very often, instant cash loans are found online. This is because lenders with physical offices take more time in loan application processing.

Can I Get Instant Loan or Payday Loan?

Instant loans do not mean your loan application is instantly approved, getting an online instant loan is dependent on the lender’s terms. There is a waiting period for the lender to assess your loan application. SameDayLend cannot guarantee that your loan would be approved, but we can guarantee an outcome within the hour. After approval, the time for accessing your cash in your bank account depends on your bank transfer speed.

No hassle loans

Are you looking for a loan without any hassle? It’s more than possible with our no-questions-asked loans, spend less time worrying about your finances and more energy on what really matters.  No hassle loans are here to help you with all of that.

The process is simple, just let us know what type of funding you need (personal or business) then we will do all the work for you. No obligation or risk is involved with our quick approval process.

A small business can use our services, and we’ll do all the paperwork for them so that their life is less stressful.

Instant loans

You can get quick loans with no credit check or personal information required.

The best part is that they’re available 24/7, so if you need some cash in an emergency situation then there won’t be any waiting around on hold while your turn comes up at loan processing time.

How to Apply instant cash loan online

You can apply for instant cash loans online with SameDayLend because we can’t guarantee that your loan will be accessed and approved instantly so we cannot say that we offer instant loans in that sense. But if you apply during business hours, you will get an outcome within 60minutes. If your loan is approved, as long as your bank is enabled for NPP, you can be able to access the loan within minutes.

Can I get instant loan for bad credit?

To settle any concerns you may have about your credit score, it is better that you know about a credit score works. Although we will check your credit history when you apply for an instant loan that is not the only thing that we would check. We prefer to look at your current financial stance during your instant loan application assessment, we want to know things like how you spend money and manage your income.

SameDayLend does not guarantee you instant approval but we offer quick cash loans with the benefit of immediate cash transfers. So, even if you have a bad credit history, there is a chance that you will qualify for personal loans with Same Day Lend. This is an opportunity for those looking to get instant cash loans despite their poor credit.

How can I borrow money fast?

Our fast and stress-free online application allows you to borrow money quickly. SameDayLend offers one of the fastest personal loans. Since we operate 100% online, you are relieved of any paperwork. You don’t have to print, scan, or go through pages of any documents. You only need to complete and submit some personal information online. It is very easy!

Assessments in 60 minutes

Our loans are a very great alternative to instant loans because we make use of fast and advanced technology to access your financial records more than the conventional lenders and banks. No need for wasting time on fact-checking or verifying your documents because our cutting edge systems do it faster.

Thus, we can offer our customers fast outcomes, very often you get your cash the same day into your bank account. The application can be done anywhere, anytime, we don’t offer instant approval for online loans but we are still very quick!

Instant Cash Loans

The Types Of Loans That We Offer

We have three types of personal loans for our customers, they are small, medium, and large personal loans. Small loans are easy to apply for because they don’t require any asset as security and they are between $300 to $2000  while medium personal loans are secured because they require an asset attached for security, the amount is $2000 to $5000. As a result, you need to send evidence of ownership of the asset you wish to use as security, could be a car, bike, or caravan, and send in photos, registration number of the asset, and its number plate. Large loans also need security attached, repayment term is usually between 13 to 24 months and the loan amount is $5000 to $10,000.

Loan type Security options Amount Loan repayment terms
Small loan Unsecured $300 to $2,000  Fixed 12 months
Medium loan Secured $2,000 to $5,000 From 13 months to 24 months
Large loan Secured $5,000  to $10,000 From 13 months to 24 months


How Instant Are Our Personal Loans?

We can only guarantee a fast and competent service and not an instant loan. Provided that you qualify, you will be notified of your application confirmation as soon as you submit it. We will give you an offer in an hour if you are approved followed by an electronic loan contract. No need to print or scan the loan contract, just make sure that you read it carefully and sign the document electronically too.

We’ll transfer the funds instantly as soon as you have submitted your signed loan contract within business hours. Depending on your bank, you may receive your cash in less than one hour which is ideal if you need money now

What To Do With Your Instant Loans.

You can use SameDayLend online personal loans for a lot of expenses. You just have to let us know what you intend to use the money for when you apply. Here are some expenses you could use your loans for;

– Car repairs; Car repairs often come unexpectedly and may cost a lot of money, which may not be readily available to you. SameDayLend is there for you, we can provide you with the needed cash to cover the cost of repairs without waiting for your next income.

– Debt Consolidation; Managing multiple debts can be expensive, stressful, and time-consuming in most cases. It is a proven fact that consolidating your different loans and bills with a personal loan makes your debts easier to pay off, less time consuming, and less tedious when you are managing only one repayment term.

– Emergency Situations; Some situations happen unexpectedly and leave you unprepared. SameDayLend is ready to provide you with some cash to take care of your unprecedented financial emergencies.

– Renovation Loans; SameDayLend provides renovation loans for your home within the range of $300 to $10,000. Renovating your home adds value to your property and helps to sell it faster.

Do You Have Instant Loans With No Credit Check For Centrelink Customers?

If due to bad credit history you have been rejected from getting instant loans, we could be of help. We conduct an assessment of your credit history but that is not the only way to help us determine if you would be able to pay off your loans.

By checking your current financial situation, it gives us an idea of your ability to manage money.

We use technology to access a read-only copy of your bank statement, we will be able to confirm your actual income and your spendings. We would know if you can take a loan and repay them easily.

Instant Cash Loans On Centrelink

Fast Credit Loans


Same Day Lend knows that even though you receive an income, you may still need some financial help. As a Centrelink customer, we don’t mind you applying for our fast loans. Your loan application assessment will be the same as others, if you meet the requirements, we are always ready to help you.

As professional lenders, we can never approve a loan for a customer who seems like they cannot be able to pay back the loan easily. No matter their credit score and source of income. Our loan approvals are based on the client’s need for a loan.

Can One Access Instant Cash Loans On A 24/7 Basis?

Financial emergencies can happen at any time, even if it is very early in the morning that you need to find an instant cash loan, you can apply with SameDayLend. We are available online 24/7 to receive your online loan application.

You may get a longer waiting period if you apply outside business hours before you can get an outcome, but with no stress. First thing in the morning, our assessment team will work on your loan application. Your transfer is instant after approval.

Is A Payday Loan The Same As An Instant Loan?

Generally, payday loans come with a repayment term of 16 days to a few months. SameDayLend instant loans are personal loans, although personal loans are similar to payday loans, they usually give more time for repayment.

Depending on the amount you apply for, the SameDayLend repayment period is usually between 12 months to 24 months.

How Does Repayment Work?

Repayments with SameDayLend are very simple, after we have approved your loan application, you will receive a contract containing all your loan details.

After you signed your loan contract, we will set up your repayment to be debited from your account directly on the day of your payday so that you don’t miss repayments.

What If I Miss A Repayment?

We want to help you avoid being charged for missing payment. A fee of $35  will be charged from your account if you miss a payment due to insufficient funds in your account.

Hence you must make sure that you have enough funds in your account for payment on set dates. We will gladly help you to find an alternative solution if you are going to miss a payment provided that you inform us early.

What Are Your Eligibility Requirements?

To be eligible for our online loans  you must be;

– A minimum of 18years old

– A citizen of Australia or a permanent resident

– Be a recipient of a regular income, at least 90 days before we receive your application

– Have and provide a valid email address and phone number

If you can provide this information then you can contact us, we are available right now to process your loan application.

What Information Do I Need?

When you are submitting an online instant loan application, you will be required to provide the following details;

– 100 points of Identification; your name, date of birth, address, etc

– Contact information

– The purpose of taking out a loan

– Your internet banking details

– Your account details with MyGov, for recipients of Centrelink benefits

– Details of your current employment and contact with your employer.

How Do I Apply?

Follow these steps to apply online for a personal loan with Same Day Lend;

Step 1: Submit An Online Application

To start your loan application, go to the top part of our page.  You can make use of the slider to select your desired loan amount and the repayment period that is comfortable for you, then click Apply Now.  As part of your online application, you will get a form where you must fill out relevant personal information and your banking details, then click Submit after you have completed the form.

Step 2: Assessment

After we have received your online loan application, our assessment team will check through your loan application to see to what extent you can manage the loan you applied for. You will get an outcome as fast as within 60 minutes if you submit your application during business hours.

Step 3: Access Your Cash

Once you are approved, you will receive a digital contract for your review and sign. If you are comfortable with the loan terms included in the contract, you will sign it then, you will send the digitally signed copy of the contract back to us. All things being equal, you will get the money almost instantly, this however depends on your bank and their speed of processing transfers. If you use a bank that supports instant transfers, it is very much likely that you get it within a minute.

Tips To Stay On Top Of Your Loan Repayments

We know it is not easy to make repayments, at least not for everyone due to the difference in each borrower’s financial situation. Thus, we have some tips to help you manage your loan repayment, to make sure that you don’t miss repayments. They are;

– Let your payment be in line with your income period; This would make it easier for you to have enough money in your account to make repayments as when due. You can make preparations for your repayments to be debited on the same day that you get paid, or receive your Centrelink payments so that you don’t forget and get charged for missing payments, and also it gives you one less thing to do with.  

– Create a budget; You need to have sufficient funds if you want to make payments on time. If you have a well-planned budget with restrictions on your spendings, it will enable you to save more. You may begin by cutting down every unnecessary expense that may be reducing your savings. Set for yourself, achievable goals with an attached time frame.

– Set Reminder; Despite making automatic payments, you may still need to remember their due dates because you may want to pay for other things aside from your loan repayment. You need to enable a reminder for all payments, including loans, bills, and other payments so that you can determine your leftover funds and be able to effectively plan your budget.

– Set automated payments system; As earlier stated, even though you forget when your payments are due, setting up an automated system of repayments will come in handy to ensure you don’t miss payments and get charged. Also, you will still need to ensure that you have sufficient funds to cover your repayments on the date you have set up so that you don’t accidentally miss payments due to insufficient funds.

How Do I Get In Touch With Same Day Lend?

We are always willing to receive our customers both new and existing ones. The most reliable means of contacting us is via email at……. However, if you wish to ask questions that you don’t feel comfortable sharing via email, don’t hesitate to call us on 1300…. We do a security check every time you call us, we can never give anyone the details of your loan. We have a smart customer support team that is always ready to answer your questions.

You may need to email us to get your balance statement if you need it. For more time-sensitive concerns like the need to change your date for repayments, or there is a change in your financial situation, you may have to put a call through to our customer support staff because it any need to be addressed instantly. However, we are also very much open to emails on such matters.

To apply for a new loan, we advise that you submit an online loan application on our website. We can determine if you are a first time customer or an existing customer, but we are still committed to conducting another assessment, who knows, your financial situation may have changed since the last time.

At Same Day Lend, we are committed to making your customer experience more enjoyable, comfortable, and essentially, very fast.

What Are Your Normal Business Hours?

Although you can submit an online application on a 24/7 basis that doesn’t mean we are available at the office 24/7, we would need to rest too! Normally, we are open from Monday to Saturday and our business hours are as follows;

From Monday to Thursday; 8 am to 6 pm

On Fridays; 8 am to 4 pm

On Saturdays; 8 am to 12 pm

However, you can still proceed to apply outside of our business hours, but although you would get a delayed outcome, it would be part of the first ones we would attend to as soon as we resume our office.

So Do You Need An Instant Loan?

If you have been seriously searching for loans that would get you cash instantly or same day loans, you have reached the right place. We cannot claim that we provide instant loans but we can assure you that you will get access to fast finance it will seem instant.

If you need to spend extra cash this Christmas, you can apply for SameDayLend online loans which is up to $10,000.

We also offer the option of car loans for bad credit at SameDayLend. Click the link below to view how you can apply for this. (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316). is not a lender and does not make credit decisions. matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. 

Consumer Advisory: SamedayLend is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

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