Cash Loans
What to know before applying

It happens – those times when you find yourself in dire straits and your carefully pinched pennies have been used up. Thankfully, getting extra cash in hand isn’t nearly as difficult as you may think.

Friendly Finance is committed to finding easy-access quick cash loans for anyone and everyone. It can be complicated for any person to find a loan product to suit your exact needs, so we’ll do all the dirty work and find the perfect match for you.

When you apply for cash loans through Friendly Finance, you can use the money for any reason:

  • Business expenses.
  • Car maintenance.
  • Repaying existing debt.
  • Child/dependant-related expenses.
  • Education and training.
  • Everyday living.
  • Dental or medical expenses.
  • Unexpected bills.
  • Personal care.
  • Utilities.
  • Friendly Finance has helped over 54,349 people get life-changing cash loans!

What Are Instant Cash Loans?

Cash loans are small cash advance amounts that are provided by online lenders. These kinds of cash loan lenders have a much faster processing time than banks. They generally have a repayment cycle of six months to a year. However, this also depends on the cycle agreed upon between the lender and the borrower.

What Kinds of Cash Loans Are There?

Cash loans can be categorized as follows:

  • Short-term loans.
  • Personal loans (low-interest).
  • Personal loans (small).
  • Payday Advance loans.
  • Instant Cash loans.
  • Bank loans.
  • Secured loans.
  • Unsecured Personal Loans.
  • Line of Credit (revolving loan).

Who Can Apply For A Cash Loan?

There are always certain criteria that need to be met when applying for cash loans, and we are no different. We do understand, though, that everyone goes through a rough patch at one point or another. Even if you have a chequered credit history, we believe that everyone should get another chance.

We’re able to assist you even if you have a bad credit profile. We believe in responsible lending, so we take extra care to tailor loan products to your needs to make sure we both get the best out of it.

To qualify for cash loans through Friendly Finance, you should meet our minimum requirements, which are as follows:

Be at least 18 years old.
Be an Australian citizen or permanent resident.
Have a regular income in a personal account for at least 3 months.
Have an internet banking account.
If you are receiving Centrelink payments and you find yourself needing a supplementary loan, it shouldn’t be a problem. Centrelink benefits are considered as a form of income as long as they make up 50% or less of your total income.

Life happens, and sometimes it means that your car may need to be serviced or you may need to replace your boiler. If you’re receiving payments from Centrelink, it doesn’t mean that you may not need another helping hand.

Let us be that helping hand.

Why Choose Friendly Finance for Cash Loans?

At Friendly Finance we have decades of financial services experience. We have a thorough knowledge of cash loans products through the first-hand experience and working directly with consumers.

These skills and our extensive working experience make us a trusted source of knowledge, advice and information. We’re also great at translating confusing financial jargon into a meaningful language that is easy to understand.

We offer convenience, saving you time in your search for cash loans. With the speedy nature of our service, we will get you on track to the most appropriate short-term loan options for you, in the shortest time possible.

Whether you’re looking for a low-rate option or a premium loan, we offer products for every type of customer. Once you’ve found something that fits your needs, we will help you take the next step.

We Look at More Than Just Your Credit Score

At Friendly Finance, we understand that searching for cash loans can be stressful. Most customers we deal with are concerned about their credit scores and how this will impact the approval of their loan.

There are providers who will lend without performing any credit checks. The downside of this is that they generally charge higher interest rates and fees.

By working with Friendly Finance, you won’t be fooled by hidden fees or charges. We only offer you cash loans that suit your exact situation, whenever and wherever you need it.

We Do It All Online – No More Paperwork!

Everything is done online – no more having to come in to a branch! To apply online, we only need a few details.

There’s no need to download and upload documents. All information needed can be found electronically.

Before you finish off your application, double check that all your info is correct. The sooner we can get to work finding you the perfect loan, the better! .

It is possible that there may be some other documentation that you’ll need to provide. This could include:

A form of ID, such as a driver’s license, passport, or Medicare card.
Payslips or other proof of income.
Copies of bills or other liabilities.
Copies of credit contracts or statements of accounts.
Rental statements.
It’s best to have these documents on hand and ready to submit, so that you can finalise your loan right away.

We Do It On Your Terms – There’s No Obligation

We’re always glad to hear from new customers. Once you’ve reached out and let us know your predicament, it’s time for us to do what we do best.

We process every application as fast as we can, first making sure that you qualify for our service.

It’s completely free to apply, and there’s no obligation until you’ve signed the loan papers.


These are the questions we get asked most often when it comes to our service offering. If you have specific questions that you’d like answered, please contact us.

Who is Eligible for Cash Loans?

Different cash loans have different eligibility criteria. The typical base requirements often include:

Must be 18 years or older.
Be an Australian permanent resident or citizen, and residing in Australia.
If you are a non-Australian permanent resident in the hold of an acceptable visa, and residing in Australia.
Earning a regular income.
As responsible lenders they will make sure that you will be able to make the repayments.
That you are currently not undergoing sequestration or have been declared bankrupt.

How Quickly Do I Get The Funds?

There are a number of factors to take into consideration when waiting for the funds to come through. If you applied during business hours, the funds could be made available within a few minutes if you share the same bank. If you belong to different banks, it can take a couple of hours to clear.

Some loan options provide a Visa Prepaid Card, which allows the user to upload the cash loan directly onto the card. It’s then accessible within minutes.


We understand that finding a loan can be challenging and sometimes downright confusing. At Friendly Finance, we understand both the consumer needs and the lender requirements. This allows us to deliver a suitable solution for you, meeting you where you stand.

With a growing number of lenders offering finance products in today’s market, we offer quick cash loans in the most accessible way possible – online. This makes your search for online loans quick and hassle-free.

We also make sure to exclude no-one. In a tight spot? We’re here to help. Need to pay for emergency medical expenses? We’re here to support you. Got a bad credit score? We’ve got you covered. For more information on loans and useful resources, you can visit the government website
Money Smart

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