Fast loans online $500–$10,000
Small loans for bills, tyres and the unexpected. Apply on your phone in about 3 minutes.
Loan types
Loans for every situation
Fast loans online for bills, car repairs, medical costs and emergencies, anywhere in Australia. Pick the one that fits.
How it works
Apply for a cash loan in 3 steps
- 1
Choose your amount
Pick $500 to $10,000 and complete a short online form.
About 3 minutes - 2
Upload your bank statements
Connect securely through a read-only bank statement service. No paperwork to scan.
Encrypted, read-only - 3
Hear from a licensed lender
We pass your application to licensed lenders. A lender assesses it, makes the decision and lets you know.
By email or SMS
More detail on our How it works page.
The essentials
Small loans online, explained
What are cash loans?
Cash loans are unsecured personal loans for smaller amounts, usually repaid over weeks or months. In Australia, loans up to $2,000 are called small amount credit contracts, and loans from $2,001 to $5,000 are medium amount loans. Personal loans from $5,001 to $10,000 are usually repaid over a longer term.
People use them for car repairs, bills, medical and dental costs, moving or home repairs.
Why apply through Techno Loans?
Instead of applying to lenders one by one, you complete one application. We send it to licensed lenders. The whole process is online, so you can apply on your iPhone or Android at any time, including weekends.
Who can apply?
You need to be 18 or over, an Australian resident and receive a regular income into an Australian bank account with online banking. People in all kinds of situations are welcome to apply, including people with less-than-perfect credit or Centrelink income. Each lender makes its own decision and may decline an application.
What does a loan cost?
Fees and interest are set by the lender and depend on the amount and term. Small amount loans can have an establishment fee of up to 20% and a monthly fee of up to 4%. Always check the total repayments and comparison rate in your loan contract before you accept.
Borrowing responsibly
Only borrow what you can comfortably repay. Lenders must check that a loan suits you and that you can afford the repayments. If you're struggling with money, confidential help is available from the National Debt Helpline on its website, ndh.org.au.
FAQ
Cash loan questions, answered
Is Techno Loans a lender?
No. Techno Loans is a credit assistance service run by Swift Loans Australia Pty Ltd (Australian Credit Licence 461533). We pass your application to licensed lenders. The lender decides whether to approve your loan and sets its terms.
How much can I apply for?
You can apply for cash loans from $500 to $10,000. The amount you are offered, if any, depends on the lender's assessment of your income, expenses and ability to repay.
Do I qualify?
To apply you need to be 18 or over, an Australian resident, and receive a regular income into an Australian bank account with online banking. Meeting these criteria doesn't mean a lender will approve your loan.
Is there a fee for applying with Techno Loans?
If a lender offers you a loan, its fees, charges and repayments will be set out in the loan contract, so read it carefully before you accept. You pay us nothing. We offer your application to licensed lenders, and the lender that buys it pays us a fee. Each lender sets its own price using its own criteria, so we don't know the amount until the sale.
I'm on Centrelink, can I still apply?
Yes, you can apply. Lenders look at all your income, including any Centrelink payments, along with your expenses. Each lender has its own policy, and some may not lend where Centrelink is your main income.
How fast can I get a cash loan?
The form takes about 3 minutes. Once your application and bank statements are in, a lender will contact you by email or SMS with its decision. How quickly that happens, and when any money arrives, is up to the lender and your bank.
Can I apply with bad credit?
You can apply. Lenders look at your whole situation, not just your credit history, and they will usually run a credit check as part of their assessment.
What happens if I miss a payment?
Talk to your lender as early as possible. Missed payments can lead to extra fees and may affect your credit report. Read our Warning about Borrowing before you apply.
See all frequently asked questions, or read our blog.
Ready when you are.
Apply online in about 3 minutes.
Apply for $500 Only borrow what you can comfortably repay.