Instant Cash Loans

Cover the unexpected with fast, quick, and easy instant loans.

  • 100% Online
  • Easy Application
  • Fast Outcomes
  • Outcome in 60 seconds

Fast and fuss-free instant personal loans

Apply online, get an outcome fast. Take care of urgent expenses the easy way

Smooth out the unexpected

We all have bills that come out of the blue or urgent expenses we need to cover. One of our instant loans helps you get the cash you need without filling out endless forms, submitting pay slips, or getting reams of documentation together. We can approve short-term instant loans to cover you in times of need ranging from $500 to $5,000.

Instant loans made easy

When we say instant loans, we mean instant loans. Our 100% secure online application system means we process your request as fast as possible. Once you complete the application process – either online or helped by one of your personal consultants, you’ll get the funds transferred to your account fast, pending your approval.

Instant personal loans – simple and secure

Need money fast? Don’t stress. Apply online and get approved

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Get $500 up to $5K

Get approved for amounts ranging from $500 up to $5,000 depending on your need.
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Peace of mind

Get your urgent expenses covered fast with an instant loan from Savvy. We’ve helped hundreds.
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100% upfront

No surprise fees, no small print. You’ll know everything about your loan before you click apply.
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Flexible repayments

Instant loan repayments according to what better suits you from a few weeks to a year.
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Easy applications

Complete your entire application online. Secure servers and a simple process.
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Satisfaction guaranteed

We’re rated over 4.8 stars on Feefo by nearly 3,000 customers for our service and attention.

How to navigate your instant loan application

Just follow these quick and easy steps

Get your instant loan questions answered

Got a query about Instant Loans? We have the answers

What is an instant loan?

An instant loan is a type of personal loan that is smaller than traditional personal loans. These may range from as little as $500 up to $5,000. Instant loans have shorter terms than personal loans – a minimum of three months up to 24 months. “Instant” means you get the money within the day, if applied and approved during business hours.

How instant is “instant?”

In some cases, approved applicants can expect money transferred within the hour. Typical cases have money transferred within 24 hours.

What can I use an instant loan for?

Conditional approval is a machine-generated determination of your credit eligibility prior to a review of your loan application. This can speed up the application process.

Is this like a payday loan?

No. A payday loan usually requires the borrower to pay back the loan on their next pay period. This is deducted via direct debit or through your paycheque.

Is the interest rate extremely high?

No; interest rates for instant loans are usually calculated via a 20% mandatory establishment fee and a monthly fee of 4% for sums up to $2,000. Other interest rates and fees are shown during the application process.

How do I pay a loan back?

We can set up a direct debit facility, so you never miss a payment. You may choose from as quickly as 3 months up to 24 months. Other methods are also available; ask your consultant for more information.

I have unusual circumstances, can I apply?

Yes; we can arrange instant loans for benefits recipients, single parents, self-employed, and more. Conditions may apply.

What if I have bad credit?

We have helped many people with instant loans when they have bad credit. We don’t just look at your credit history, but your current liabilities and finances.

How long does it take to apply?

It only takes a few minutes online; or you can talk to one of our consultants.

Your guide to instant loans

Gain more information on instant loans with our helpful guides

Ways to fix your credit history?

Your credit history is the first port of call for many lenders to determine if you’re eligible for credit – be it a mobile phone plan all the way up to a mortgage. However, a credit history captures data on your applications and defaults for up to seven years. Making many applications, such as “quick” payday loans can damage your credit history. You can check your credit history once per year for free using one of the credit reporting companies. This will show you any mistakes, which you must fix. Paying back loans on time and in full is a sure-fire way to help rebuild your credit history.

How do you choose the right personal loan?

Choosing the right personal loan isn’t just a matter of getting the amount you want; you should do your research into different types of personal loans so you aren’t paying unnecessary principal or interest. A long-term personal loan may last up to five years and are used to buy large assets such as cars or renovations. Small instant loans may last from a few weeks to 12 months, and are suitable for urgent purchases – medical bills, car repairs, and so forth. A small loan may be better than a large personal loan, as the short-term nature of the loan matches the short-term expense.

How to better manage your instant loan?

Many of us fret when we have an urgent expense and scramble to get money fast. One of the worst things you can do is put in multiple applications for instant loans. This can hurt your chances of approval. You should also opt for direct debit repayments, so you never miss one. In the meantime, you should look to reduce unnecessary expenses or luxuries to ensure your bank account always has the requisite funds. If you take on an extra shift at work or get a bonus, you should use it to pay more of your loan off – provided there are no additional fees involved.

What to look for in your loan agreement?

Not all loan agreements are boilerplate – they can vary from one lender to another. You should always look for fees and charges. Fees and charges will be present in all kinds of loans. However, some loans may charge additional fees when making additional payments; or even a dishonour fee. You should also look at the repayment schedule carefully; as payments could be deducted before holidays or weekends, which could inconvenience your finances. You should also look at whether repayment insurance is included or not. If you have doubts, ask a friend or a financial professional to look at the agreement to answer any questions.