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24/7 Instant Cash Loans

How to get an instant cash loan 24 hours a day, seven days a week.

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 12th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

$2100
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$500
$50,000


Paid in 60 mins if approved*
Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 12th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

You might need a cash loan for any number of reasons, but is it possible to get immediate approval any time of the day or night? Learn how to get a 24/7 instant cash loan quickly and easily, from the comfort of your own home.

Can I get instant cash loans 24/7?

Yes – with modern online lenders, you can fill out a loan application and have approval for some much-needed emergency funds within minutes.

Savvy can help you get an online, 24/7 instant cash loan. Our application takes minutes to complete and, within moments of submitting your application, we can connect you with one of our lenders. You can get approval for an instant cash loan within 60 seconds of applying – any time, day or night.

Operating entirely over the internet, your application is reviewed automatically, your credit information is assessed and you can be cleared for a loan 24 hours day without you ever needing to step out of the house.

You can get an instant cash loan online for as little as $2,050 or as much as $5,000. Knowing that money is available gives you peace of mind going forward, and you can start making plans immediately – or get back sleep without worrying about your finances all night!

What can I use a 24/7 instant cash loan for?

There’s any number of sudden expenses that an instant cash loan can help with. A late-night plumbing malfunction might have left you with water flowing where it shouldn’t be. A sudden issue with your computer might make it hard to meet a vital work deadline. A faulty fridge or washing machine might mean you’re suddenly short of fresh food or clean clothes. All of these issues can leave you needing cash immediately, so can get all-hours approval for a small loan to sort it out.  

Knowing you’ve got the money on the way lets you get working on the problem immediately, confident that the funds will be there to use. That means you can get straight onto sorting your issue or funding your purchase without worrying about whether you’ll still be able to cover rent afterwards.

What interest rate should I expect to pay when taking up an instant cash loan?

Lenders can’t charge interest on small cash loans. They can charge fees, but those fees are capped. Establishment fees are capped at $400 for setup, while monthly fees can't cost more than 48% of the loan amount total per year. One nice feature of instant cash loans is you always know what you’re getting, fee-wise.

Why apply for a small loan with Savvy?

How to maximise your 24/7 cash loan approval chances

Frequently asked questions about 24/7 instant cash loans

How soon can I get the cash for a 24/7 instant loan?

With an instant loan through one of our lenders , you can get approval within ten minutes of turning on your computer. You’ll need to send in some documentation before the loan can be finalised and the money transferred. But luckily this isn’t a slow process – you’ll receive a final “click to accept” contract on the same business day it’s received, and often within one hour. Once you’ve accepted, the money can be on its way immediately.

How do I get the money from a 24/7 instant cash loan?

It’s transferred directly into your bank account. Most online lenders operate entirely over the internet, so you provide your details online, submit any paperwork online, and once everything is approved and signed off, the money is transferred to you.

When do I need to pay my 24/7 instant cash loan back?

You have a lot of flexibility in terms of when the money is due. You could make the repayment date as as soon as 16 days away (raising your repayments, but meaning you pay less in fees overall) or as much as 24 months away.

Can I get guaranteed approval for a 24/7 instant cash loan?

No. There’s no legitimate lender on the Australian market that will offer guaranteed approval for a loan; there's always an application process. Fortunately, our lenders are easy to get approval with and, unlike many banks, smaller online lenders tend to be more understanding about people in difficult financial situations. Even if you’re unemployed and living on Centrelink benefits, instant cash loans could be an option for you.

Can I get a 24/7 instant cash loan with no credit check?

No. A credit check is a fundamental part of reviewing a loan application in Australia, and all lenders use them – not just to check your credit rating, but also to verify your identity. Even bad credit lenders will still run a check to see what they’re working with and find out whether there are any recent defaults on your file.

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Disclaimer:

The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs.

For loans between $2,050 and $5,000, the APR is between 21.24% (minimum) and 48% (maximum) per annum. Comparison rate of 65.4962%. Minimum term is 16 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $3,000 over 3 months with an APR of 48%, (comparison rate of 65.4962%), will have an establishment fee of $400, monthly repayments of $1,225.20. Total repayments of $3,675.60 and total interest payment of $275.60.

Warning: A comparison rate indicates the true cost of a loan. Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

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