Need a bit of breathing room? Apply for a cash loan from $500 to $5,000.

A straightforward online application, a quick decision, and — if you're approved — money sent to your account fast. Australian-based and fully licensed.

  • Apply online in minutes, any time of day
  • Australian-based team you can actually call
  • Funds usually sent within 60 minutes of your signed contract being confirmed*
$500

Includes a monthly fee of $60 (Comparison Rate of 200.78%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $1,000 for a term of 6 months. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

$42.69 /week
$85.38 /fortnight

Need a bit of breathing room? Apply for a cash loan from $500 to $5,000.

A straightforward online application, a quick decision, and — if you're approved — money sent to your account fast. Australian-based and fully licensed.

$500
$42.69 /week
$85.38 /fortnight
Apply Now

Includes a monthly fee of $60 (Comparison Rate of 200.78%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $1,000 for a term of 6 months. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

  • Apply online in minutes, any time of day
  • Australian-based team you can actually call
  • Funds usually sent within 60 minutes of your signed contract being confirmed*

How it works

From application to approval, here's what to expect when you apply with Nimble.

1

Apply online

Start your application online and provide a few details about you and your finances.

2

We take a look at your situation

Nimble looks at things like your income, expenses, employment, bank transaction history, existing commitments, credit history and ability to repay.

3

Review your offer if approved

If approved, you'll see the amount or credit limit, repayments, fees, interest and key terms before deciding whether to go ahead.

4

Accept and manage online

If you accept your offer, you can manage your loan or AnyTime account online — view repayments, statements, balances or available credit.

Borrowing that's clear from the start

Taking out a loan is a real financial commitment, so we keep things simple and upfront — no jargon, no surprises.

  • 100% online

    Apply whenever it suits you. No paperwork, no in-person meetings.

  • A clear decision

    You'll get a straight answer once we've assessed your application.

  • Fast funding

    Approved and confirmed loans are usually sent within 60 minutes (your bank's processing time still applies).

  • Australian-based support

    A local team you can call on [PHONE] if you have questions.

  • Responsible assessment

    We only lend what we believe you can comfortably repay.

Loans for life's unexpected costs

Before you apply

A small loan can help with a genuine short-term need, but high-cost credit isn't right for every situation. Before applying, it's worth asking:

  • Do I really need this, or can it wait?
  • Can I comfortably afford the repayments alongside my other expenses?
  • Are there lower-cost options available to me?

Free, independent guidance is available at moneysmart.gov.au, and if you're struggling financially you can talk to a free financial counsellor through the National Debt Helpline on 1800 007 007.

Why our customers love us

Our cash loans have helped thousands of people just like you.

Google Rating 4.9 stars, 155 reviews

Who can apply

To apply for a Cash Bay loan, you'll generally need to:

  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have a regular income
  • Have an active mobile number, email and bank account

Meeting these criteria doesn't guarantee approval. We assess every application — including your income, expenses and credit history — to check the loan is suitable and affordable for you.

Frequently asked questions

You generally need to be 18 or over, an Australian citizen or permanent resident, with a regular income and an active bank account. Meeting these criteria doesn't guarantee approval — we assess every application to make sure the loan is affordable for you.

Between $500 and $5,000, depending on your circumstances. We assess your identity, income, expenses and credit history to decide what (if anything) we can responsibly lend.

Apply online in a few minutes. We'll verify your details (we may call you), and if you're approved, you sign your contract online. Funds are usually sent within 60 minutes of your contract being confirmed by [TIME] AEST on a business day.

Usually within 60 minutes of your signed contract being confirmed, on a business day. How quickly it appears depends on your bank.

Yes. We carry out a credit check as part of our assessment. Past credit issues don't automatically rule you out, but we can't lend to you if you're currently bankrupt or in a debt agreement.

Costs depend on the amount and term. Every loan has an establishment fee and a monthly fee, shown clearly before you sign. See your loan contract for the full fees, charges and comparison rate.

Small Loans Pty Ltd — Australian Credit Licence No. [ACL NUMBER]

The information on this website is general in nature and doesn't take into account your objectives, financial situation or needs.

Terms, conditions, fees and charges apply and are subject to change. All applications are subject to Cash Bay's credit assessment and approval criteria. Funds are generally sent within 60 minutes of a signed contract being confirmed between [HOURS] AEST on business days. Clearance times depend on your bank.

WARNING: comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

Free financial guidance: moneysmart.gov.au · National Debt Helpline 1800 007 007.

[INSERT PRESCRIBED SACC WARNING IF APPLICABLE]

[Australian phone] · [real email] · 7 Collins Avenue Rose Bay NSW 2029

Ready to apply?

Check your eligibility in a few minutes. There's no obligation, and applying won't commit you to anything until you sign your contract.

Apply Now