When can I apply?

You can fill out the application on our website at any time of the day — however, we can only process submitted applications during regular business hours: Monday to Thursday, 8am to 6pm EST, and Friday, 8am to 4pm EST. You can still apply and contact us outside those hours; we’ll respond as soon as possible, with a definite answer the next business day.

Before applying, read our terms and conditions and make sure you meet the eligibility requirements. They’re simple:

• You need to be 18 years old or over
• You have been paid a regular income into a personal bank account for at least the past 90 days
• You are an Australian citizen or have permanent residency
• You have a direct contact phone number and email address

Costs, repayments and applying

The cost of your instant cash loandepends on the lender we match you with — read your loan contract thoroughly for all relevant costs. Repayments run via direct debit on the agreed schedule; just keep the correct amount in your account so payments don’t bounce (dishonour fees are outlined in your contract), and contact your lender early if you expect trouble making a payment.

The application processis 100% online: submit your application, get a quick assessment in minutes, and we’ll match you with a lender. Accept the offer if it suits — once accepted, the funds are sent straight to you.