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Same Day Cash Loans

SocietyOne / Same Day Cash Loans


Award winning personal loans


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Getting a personal loan with SocietyOne is quick and easy.

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

Same Day Cash Loans

Same day cash loans may seem ideal for urgent needs, such as groceries or medical emergencies. However, they often come with steep interest rates, large fees, and shorter repayment periods.

SocietyOne is a trusted online lending platform in Australia that offers fast, fair, and flexible personal loans for your needs. You can complete your application within five minutes and receive the funds in your account within one business day upon approval. We have a suite of loan options tailored to your unique scenario, so you get a deal that meets your financial needs best.

Learn more about same day cash loans below.

Can I still apply for same day cash loans without a bank account?

It is possible to qualify for same day cash loans without a bank account, depending on your lender and the type of loan you are getting.

Some payday lenders don’t require bank accounts; however, you may be limited to small loans with high interest rates and fees. Similarly, some title loan lenders don’t require bank accounts since the asset is used as collateral, but your asset is at risk of repossession when you fail to pay the debt.

Am I eligible for payday loans if my bank account is in the negative?

It is possible to get same day cash loans with a negative bank account balance from certain lenders. Some loan companies will only base your loan approval on your credit history and will no longer check the available balance in your bank. Providing additional documents supporting your ability to pay back your loan – like payslips and documents from your previous loans – can also help convince your lender to approve your application.

However, be wary of payday lenders who may have predatory intentions. They may approve you easily despite the negative bank balance but charge you with hefty interest rates and applicable fees whenever you miss a payment. This makes it easy for borrowers to fall into a debt spiral – you may borrow money for financial woes, but these problems can worsen because of the lender’s steep charges.

SocietyOne uses a simple risk-based pricing mechanism to offer you low-interest personal loans. The better your credit score is, the better the deal we can give you. We want to help you, so we’re offering free membership in our Credit Score Club, which provides useful tips on improving your credit score.

If you’re unsure, you can also check your credit score on our platform for free. We work with Experian, an official credit reporting agency, to gain insights into your credit history.

What is the amount limit for same day loans?

While the maximum loan amount you can get from same day cash loans varies from lender to lender, the average amount for small same day loans ranges between $1,000 to $5,000.

The amount you can borrow depends on your creditworthiness, loan type, and other factors. However, the small amounts available for same day cash loans can be limiting and may not be enough for all your needs.

SocietyOne offers personal loans that allow you to access more funds. With an unsecured loan, you can borrow up to $50,000 for two, three, or five years. With a secured loan, you can borrow as much as $70,000, payable over two, three, five, or seven years. Examples of assets you may use as collateral for your secured loan include private vehicles, motorbikes, and boats. Please note that you may be asked to supply details of your asset and proof of ownership as part of the loan verification process.

SocietyOne upholds transparency in all our transactions. We don’t charge monthly fees, so you always know how much you need to pay. We don’t charge early exit fees either; you can choose to settle your loan quickly if you want to.

You can use our personal loans repayment calculator to get an estimate of your desired loan. Just input your loan amount, loan term, repayment frequency (monthly or fortnightly), and credit history. Aside from your monthly/fortnightly repayment amount, you will also get an estimate of your total repayment and interest fees.

If you are at least eighteen years old, an Australian citizen or permanent resident, earning an income of $30,000 per annum, and have a good credit score, you are qualified for personal loans at SocietyOne. To apply, prepare the following documents:

  • Personal documents containing name, address, date of birth
  • Passport or driver’s licence
  • Proof of address, such as credit card or utility bill
  • Proof of income, such as payslips or bank statements
  • Details about your daily expenses and other debts

We have a multitude of personal loan options such as debt consolidation loans, loans for students, loans for renovations, and holiday loans. To get started on your loan application, go to our platform and select the type of loan that suits your financial needs best.

Got more questions about SocietyOne loans? Our lines are always open to accommodate requests and concerns. You are welcome to reach us via email, and our friendly team will get back to you as soon as possible to address your concerns.

We deliver unbeatable customer service, but don’t just take our word for it – our near-perfect customer feedback on Google and prove we are an online lending platform you can truly depend on.

Request a personalised rate today and get started on your loan application to get the funds you need fast!


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