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Applying for Instant Cash Loans

Life could happen at any moment. There’s no need to panic, though! Friendly Finance Australia is here to help. With our array of instant cash loans, you won’t have to worry about digging into your savings. 

Unexpected expenses do not stick to a schedule and can creep up on you very suddenly. Whether it’s your car, a chipped tooth, or a burst water pipe, when you run into financial gaps, a loan will tide you over. Choosing the right personal loan will depend on the amount and duration that you need it for. Short-term instant cash loans are the way to go. 

What Are Instant Cash Loans?  

Instant cash loans are loans you can use to cover unexpected expenses incurred when emergencies happen. These are short-term loans that allow you to receive funds quickly. The loan amounts can range from $300 to $ 15 000, with a repayment duration of 3, 6 or 12 months. 

The Benefits of Taking an Instant Cash Loan 

Why choose an instant cash loan? 

How Can Friendly Finance Help You? 

When life has served up that unexpected expense, you don’t have the time to sit around and wait. If you need instant funds, borrowing money may be the best foot forward, but it can be stressful and worrisome. At Friendly Finance, we aim to be as flexible as we possibly can, so that you can avoid the stress and hassle that often comes with applying for instant cash loans. 

There’s only one you – and your finances are as unique as your personality. We understand this and cater for you right where you are. All you need to do is apply online through Friendly Finance and you’ll be able to source the best financial solution for your needs. 

Instant Cash Loans Amounts 

Friendly Finance helps people get funds quickly. Just select the amount you need, from $300 to $15 000, and the duration of repayment. You’ll be able to see an estimation of the total cost on the amount you want to borrow, so you know exactly how much you’ll need to be paying, including the repayment fees and charges, service fee and interest rate. 

We Consider Your Individual Needs 

At Friendly Finance, you’re more than just a number! It can be difficult to secure a bank loan at the best of times, and banks often don’t care why you need it. It can make you cringe just thinking about income requirements, credit checks, and application details. 

At Friendly Finance, we take your individual needs into consideration. We understand that at any time your situation can change for the better, and it’s our mission to make your life easier and your stress less. We look at your current financial circumstances, which helps to tailor your repayment term to suit your budget. 

We’re The Quickest Way To instant Cash Loans 

To speed things up, our process of applying for a loan is 100% online and takes just a few minutes. Apply before your morning meeting, from the comfort of your bed, or while you take a 5-minute lunch break in the office. An instant cash loan online is just around the virtual corner! 

Who Can Apply For An Instant Cash Loan? 

Our finance solutions are as unique as you are. Whether you’re, a student, an employee, or a retiree, we can help you. 

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

If you are receiving Centrelink payments you may still find yourself needing a loan. Centrelink benefits are considered as an alternative form of income, but the amount needs to make up less than 50% of your total income in order for you to be eligible to apply for a loan. 

Whatever your situation, though, you’re in the right place – Friendly Finance is here to help

What Documents Will I Need to Provide? 

Most people think applying for instant cash loans means a ton of paperwork that needs to be completed. Thankfully, due to our system being streamlined for your convenience, our application process is easy and quick with just a tiny bit of paperwork involved. 

When you first apply we’ll need the following information: 

All information you provide us will remain secure and safe. If you’re worried about providing your internet banking details, we assure you it’s perfectly safe to do so. With the info you give us, we’ll be able to access your read-only bank statements, eliminating the need for you to download and submit these yourself. 

How Long Does It Take to Process Instant Cash Loans? 

There’s nothing more stressful than waiting for funds to come through. When calculating the time you can expect yours to arrive, you’d need to consider the time your application was submitted, processed, and approved. If you applied during business hours, submitted all the required documents and received approval, your chances of receiving the funds quickly are high. 

Typically, if your loan application was approved in the later hours of the day, it would be funded electronically the next business day. If you applied first thing in the morning, you’ll most likely receive the payment within a few hours, provided there are no problems with your application. 

It’s also important to note that if you do not share the same bank, the transfer may take longer to come through. 

All You Need to Know About Repaying Your Instant Loan 

Everything you need to know about your repayments will be in the loan agreement. This will stipulate the details of the amount you need to pay back and the date of your debit order. The loan agreement will also provide details about late payment penalties, in case there is a missed payment. 

Bear in mind the importance of paying your loan on time, as it affects your credit score, which has an effect on future financial plans. If your financial situation changes, don’t sit and worry in silence. It’s better to be upfront and ask if arrangements can be made. 

There are three keys to success when managing instant cash loans repayments: 

instant cash loans faq


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. 

Can I apply if I’m Unemployed, A Student or Have Bad Credit? 

Things can sometimes go horribly wrong, and we understand this. We also know that your situation can change for the better, which is why if you are still studying, or have a bad credit history, we’ll see what we can do to assist you. 

Bear in mind that all lenders have a duty to make sure that you, the borrower, will still have sufficient income to cover your monthly expenses as well as your loan repayments. 

No credit checks for unemployed or students can sometimes be done, depending on a few factors. If you’re looking for fast loans for unemployed with no credit check, get in touch and we’ll see what we can do for you. 

Is It Safe to Give All the Required Information to Friendly Finance?

Yes, it certainly is. We understand the importance of handling your sensitive information in a responsible manner, and we’re dedicated to conducting business in an open and transparent way to reflect this. 

Our privacy policy sets out how we handle and manage all your information in compliance with our requirements under the Privacy Act 1988, Australian Privacy Principles, and any related privacy codes. 

This policy details how we collect, use, disclose, and hold your information. However, we generally don’t collect or hold sensitive information unless you have consented to it. The information that we do ask for is reasonably necessary in order for us to provide one of our products or services. 

For further detailed information please review our Privacy Policy, where you can get the ins and outs of what we do with your information. 

Do I Need to Meet With A Consultant?

To make sure that you get the help you need quickly, our entire process is 100% online. That means there’s no need for you to leave the comfort of your own home, or make time to be away from your desk. 

No more face-to-face meetings means the process is streamlined, leading to you receiving your cash quicker. Don’t worry, though – you can still phone or email a consultant if you feel you need to speak to someone before applying. 

Can I Take More Than One Loan?

You should only borrow what you’re sure you can afford to pay back. Short-term financial solutions should not be intended to cover long-term needs. 

We follow strict Responsible Lending Practice principles, which are basic guidelines as to how to make sure borrowers don’t become over-indebted and reckless. Only one loan should be applied for at any given time, and we strongly advise repaying any existing loans before applying for another. 

Do I Need A Bank Account or Can I Use A Relative or Friend’s Account? 

You have to have your own active bank account that’s registered in your name. No payments can be made into a 3rd party bank account, even if that person has given written permission for it to be used. 


At Friendly Finance Australia, we’ve made applying for instant cash loans quick and easy. Our goal is to take the pressure off you, so you can stop worrying about tomorrow. 

If you need some help, apply today! Before you know it, you could have provisional approval and you’ll be one step closer to resolving that emergency and getting your life back to normal. 

Legal information

Marketplace Finance Pty Ltd with ACN 608 607 227 and ACL 487316 is trading as Friendly Finance. Friendly Finance does not make finance or credit decisions and is not a provider. Friendly Finance helps customers find financial partners that meet their requirements.Financial partners may wish to obtain credit reports as part of the decision process. The line of credit available will vary depending on the financial provider. In order to help the government fight identity theft, the funding of terrorism and money laundering activities, providers may verify and record customer information. This website does not directly endorse a particular product and service.Any information on this website should be taken as opinion only.

Address: 903 level 9, 50 clarence st, sydney, nsw, 2000. Email:

Disclaimer: Cash Loans Paid In 60 Minutes*
* As advertised - is not a lender or broker and does not advise or recommend any lender. We simply provide options based on the information you provide.
Once you are approved by an actual lender, your loan may be transferred straight into your bank account within 60 minutes of signing the contract during standard banking hours.
The same transfer times could apply on second and subsequent approved loans.
For loan amounts over $3,000 it usualy takes longer than 60 minutes

WARNING: Do 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:

The Australian 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.