Personal Loans made easy

Credit made for you

Cash Loans Australia

SocietyOne / Cash Loans Australia


Award winning personal loans


Easily calculate your loan repayments

Getting a personal loan with SocietyOne is quick and easy.

Learn more

Total repayment (inc. interest and fees)
Total interest
8.20% p.a.
Example interest rate*
8.27% p.a.
Comparison rate*

Cash Loans Australia

Taking on cash loans Australia is a responsibility that involves sound financial management, and it can be disheartening to find yourself shut out from traditional bank loans for various reasons.

Thankfully, there are credit providers with less stringent eligibility criteria that are open to lending on short notice. One person’s dream loan could be another person’s challenge, so always endeavour to personally read through your loan agreement when you apply for a quick cash loan.

Here are a few points to keep in mind when searching for online loaning options.

What are my options for quick cash loans?

There are two common loan types, the secured loan and the unsecured loan.

Secured loans have a collateral requirement, which means that a borrower is obligated to pledge an asset to secure the loan in case they cannot completely fulfil their loan commitments. Meanwhile, unsecured loans do not require collateral and often have much lower eligibility requirements and shorter loan terms.

We offer both types of personal online loans at SocietyOne. Our unsecured cash loans Australia start at a minimum loanable amount of $5,000 and a maximum of $50,000. They have loan term options of two years, three years, and five years. Our secured loans, on the other hand, have a higher maximum of $70,000 and an exclusive loan term option of seven years for extra flexibility in repayments.

Will getting cash loans affect my credit?

Yes, getting cash loans may affect credit scores, and here’s a brief explanation about it.

Credit reporting agencies receive information whenever we apply for a new credit product, including online fast cash loans and quick loans Australia. They also note down the instances of credit providers requesting credit history reports during your application’s assessment.

These enquiries and subsequent reports are then assigned a score, which is either added to or subtracted from your current credit rating.

This is a very generalised overview of how our credit scores are graded. The higher your credit score, the better your profile is. Conversely, the lower your credit score, the poorer your overall rating.

A poor credit score doesn’t just limit the fast loans you can apply for. It can limit your options for bigger opportunities, like commercial investments or property acquisitions, which is why keeping your credit score healthy is important.

One of the best ways to keep your credit score ‘green’ is to stay on top of your monthly repayments on your cash loans Australia. Take note of your monthly payment schedule and try to avoid late payments as much as possible. Maintaining healthy payment habits not only keeps your credit rating in good shape but also saves you from having to pay late fees or penalty charges.

If late payments cannot be avoided, contact your credit provider immediately to explain the situation. They may even have loan relief or restructuring options for your loan type if you ask.

At SocietyOne, we have a personal loans repayment calculator to help you get a rough idea of what your financial obligations will be. Naturally, when you apply, the figure may differ as we’ll still take into consideration your unique credit profile. You can check your rate with us today to know exactly what you'll be paying.

What reason could cause my cash loan application to be denied?

There are a few reasons why your applications for cash loans Australia have been denied or refused.

A common reason for a fast and easy loan being denied is having a credit score lower than ideal for the loan amount you’re applying for. Credit providers are obliged to lend responsibly, and credit scores are one way of gauging a borrower’s credit worthiness.

Another reason is incorrect or incomplete requirements. There are instances when we mix up our paperwork and submit the wrong information. When this happens, credit providers may take the prerogative of denying an application, especially for loans that are in high demand or are high-risk.

Always double-check that any required documentary proof is in order before you apply for a quick cash loan, especially if your credit provider limits the number of times you can apply for cash loans Australia during a certain period. First impressions are still important, and your credit score and compliance with requirements can make or break your loan approval.

Help keep your credit score healthy with the Credit Score Club

Is your credit profile doing poorly, but you don’t know where to start with getting it back up? Consider using our Credit Score tool. You can preview your current credit score or rating through the database of our credit reporting partner, Experian. These previews are also free of charge, so you can track your score’s progress as frequently as you feel is necessary.

Just find the ‘Get My Score’ button on our site, click it, and follow the steps – it’s that easy.

Joining our Credit Score Club allows you to gain unlimited access to robust insights and resources designed to help borrowers manage their loans or debts more efficiently. Membership to the club is completely free, with no monthly charges or registration fees. Just create a SocietyOne user account if you haven’t got one yet.

It’s never too early to start good credit habits. You don’t have to commit to any of our cash loans Australia to join, so if you’re interested, we encourage you to join.

Your new credit partner is waiting for you

SocietyOne is a licenced and registered lending platform and credit provider under the ASX-listed MONEYME Group. We’ve been offering award-winning fast loans and other credit products to thousands of borrowers since 2012, and we continue to work towards better and more efficient lending.

We’ve also expanded our services into consumer lending investments, allowing interested clients to invest in loans via credit products like debt consolidation and green loans. For details on how to take part in this venture, get in touch with us through the Invest page on our website.

Experience what it’s like to make use of effective cash loans Australia. Check your rate with us today!


Don't just take our word for it...