Rating based on 24 reviews


  • Payday loans up to $500
  • Low-interest starting from 48%
  • Repayment up to 30 days

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Author CashToday. Screenshot of CashToday website.
[Accessed May 3, 2023]

Cash Today - Fast and convenient loans

Cash Today has been operating since 2006. For over a period of 10 years, they have been maintaining the mandate they started: getting fast and convenient loans.

They are a credit service provider that ensures that their clients remain happy at all costs when they choose to take out an emergency loan with them. The days that are approaching your payday are often the hardest to get through. Apart from all the debts you are thinking of repaying, money keeps getting tighter and tighter. Well, they have a way of giving you a slight financial lift and ultimately making you look forward to payday.

Self-employed clients welcome!

They are people who understand the importance of generating income. So much so that they don’t pick and choose the people they help. They are a credit provider that helps anybody who has a solid job. All they require from self-employed clients is for them to show them their three months’ bank statement. This way, they will be able to validate the consistency and accuracy of their employment.

Payday loan

The payday loan is the type of credit advance CashToday offers. Since it is called a payday loan, this just means that they will deduct the money directly from your bank account on your payday. It is for this reason that it is important that you stipulate the correction pay date to avoid finding that the client has insufficient funds on their account or is being double debited.  Another benefit of being debited is just another way of reducing the number of debts a client has.

Fast loan turnaround times

You have to undergo an online process of applying for the loan via their website. After all the nitty-gritty, you will then read and accept their agreements.

It is very important that clients actually read the personal loan agreements as opposed to just accepting them. Basically, you have to know what you are getting yourself into. Clients are advised to wait for a text message or keep checking their emails to hear the outcome of their loan.

Loan turnaround times

Depending on the time you applied for your loan, the money will appear in your bank account either on the day you applied for your credit account or the next business day. Applying during the weekend will take a longer duration. Therefore, if you are in a hurry to make use of the money you are borrowing, make sure you are loaning it during business days.

Requirements for a loan

The required documents are usually nothing out of the ordinary. They normally just want documentation stating your financial background such as bank statements and something that would verify that you have a stable job.

Should there be additional documents needed for one of their payday loans, they will make the client aware. When the documentation is requested, please send whatever is needed right away, this speeds up the application process.

CashToday – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 48%
  • Loan Amount up to $500
  • Repayment 7 days to 30 days

Benefits of CashToday

  • Their interest rates are competitive
  • Get the best loan deals
  • Apply online and get a payday loan fast

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Cash today - Fast payday loans

People will always have money problems, but as credit providers, they have to ensure that they are working according to the set rules and procedures.

Deviating from the set protocol will only make it more difficult to get back their loan

Loan repayment

The same method of direct deposit will be used to pay back the payday loan. A direct deposit of the balance will be deducted from the client’s account on the agreed-upon date.


Should you be in a possible that makes you unable to repay back the loan, you need to let them know as soon as possible and they will have to make other arrangements for ensuring that their financial obligations are met.

Code of practice

At Cash Today, they are in no position to be making favours on behalf of clients. Having said that, a credit advance will only be deemed successful if they are confident that the client, to whom they are lending the money is financially capable to repay back the loan.

Should they have any hesitation, they will, unfortunately, have to decline the application based on the assessment that will be undertaken before the outcome of the loan is granted or not. On the other hand, they would be shooting themselves in the foot if they still went ahead and borrowed money from a client that showed clear indications on the documents received that they would have difficulty paying them back.

This is not only non-compliance as far as the law is concerned, but it is also morally wrong. Seeing that the client is in a financial crisis doesn’t give the credit provider any reason to justify why they went ahead and processed the bad credit loan.

Verification of information

Accuracy and authenticity of information play a big role as far as loan approval or declination is concerned. They don’t have much to work with as far as documentation and that is why they emphasise the fact that clients need to give true documents of their financial standing. They will then verify these documents and according to the results based on their assessment, your loan application will either be successful or unsuccessful.

Again, it is important to remember that the verification process is part of the steps that have to be taken in your loan application. It is not a matter of being biased or breaking any rule, they are conforming to the set standards and rules of their rules and procedure.

They can’t give out short-term loans on “hearsay”, they need to validate if the information you have provided to them is true.

man holding thumbs up

CashToday is a trusted & reliable provider of payday loans

In our review, CashToday adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ CashToday is a registered credit provider in Australia: ACL 387137

Customer Reviews & Testimonials

I got the loan I needed to pay my student loan that was due for the month. I would really recommend them. They truly care about their clients.

Tim E
— Perth —

Thank you to the company for my payday loan I was able to settle my debt for the month.

Christian M
— Perth —

Great service and couldn’t be happier with the help I got well applying for my first loan.

James M
— Sydney —

Great service and couldn’t be happier with the help I got well applying for my first loan.

James M
— Sydney —

CashToday Contact

Physical Address

Postal Address

  • PO Box 1141, Capalaba, Queensland, 4157, Australia

Opening Hours

  • not available