Payday Loans No Credit Check Instant Approval | Apply Now!

Empty pockets?
No worries!

Empty pockets? No worries! Empty pockets? No worries!


$300 $10,000

18 Months

13 Months 24 Months

Estimated repayments




Am I suitable for a loan?

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Are You Looking For Payday Loans No Credit Check Instant Approval? Pocket Cash Could Be The Lender For You!

Are You Looking For Payday Loans No Credit Check Instant Approval? Pocket Cash Could Be The Lender For You!

When you need cash fast, you don’t always have the luxury of waiting until payday. Medical expenses, utilities, car repairs… these costs can escalate quickly if not dealt with. This is where a quick cash loan can really come in handy. So, when searching for payday loans no credit check instant approval, here’s everything you need to know!

Of course, the need for payday loans (with no credit check) isn’t exclusive to those in dire straights. It could be an emergency where, with bad credit on your record, you don’t have time for a traditional lender to ‘um and ah’. Maybe you want a new wardrobe for a wedding or job interview, the fridge has suddenly gone bust or perhaps you just want some extra cash for a weekend away. If you can pay it back, why not?

Whatever the reason, Pocket Cash is committed to finding customers the right loan for their needs. We’ve already helped thousands of people across Australia find the right loan for them.

When banks and credit cards let you down…

If you have a poor credit rating or don’t have one at all, it can be hard to borrow money. Banks and credit cards are often unwilling to lend to people with bad credit scores. Or, if they are willing to lend you money, they may not have an offer that comes close to the amount you wish to borrow.

These traditional borrowing methods can take a long time to finalise and, when bills are due, not everyone can afford to wait that long.

We get it – you’re not searching for ‘instant approval loans need cash today’ to get cash in a few days. You’re searching for loans that can give you cash today! So, how do you navigate the sea of lenders and lender finders to find cash today? Lucky for you, Pocket Cash works with a reliable panel of lenders, some of which can deliver on the instant cash loans they promise. Look for lenders that work with NPP-enabled bank accounts to facilitate instant transfers in seconds, regardless of who you bank with.

What is a payday loan?

A Payday loan is a short-term, often high-interest loan available to consumers to help them cover their immediate cash needs until they receive their next paycheck.

Am I eligible for a payday loan?

We have a list of eligibility criteria that you’ll need to meet before you apply. To be eligible you need to:

  • Be 18 years of age or over;
  • Receive a regular income into a personal bank account for at least 90 days;
  • Have a direct contact number;
  • Have an email address;
  • Be an Australian citizen or resident.

What information do I need to provide?

If you’re thinking about applying for payday loans no credit check instant approval, you will be required to submit some documentation. We’ll pass the necessary documents on to our lending partners. Here’s what you’ll need to show us:

  • 100 points of ID (name, D.O.B, etc.)
  • Contact information
  • Internet banking details
  • The reason for your loan
  • Your MyGov account details (if you receive Centrelink benefits)
  • Employment details and employer contact information

We know this is a lot of information we require from you. Don’t worry though, our lenders employ well-trained operators who never disclose any of your personal information about you or your application to your employer.

Can I apply for a payday loan with bad credit?

If you’re looking for no credit check loans online instant approval, you’ve come to the right place. At Pocket Cash, we believe having a bad credit score doesn’t come close to telling us your whole story. This is why we partner with lenders that look at the bigger picture. We can match you with lenders that will focus on your income, spending habits and financial commitments – rather than just your credit score. As long as they can determine you are in a position to repay the loan, a bad credit history won’t be the end-all.

Can I apply for a payday loan if I’m on Centrelink?

Receiving government benefits shouldn’t stand in the way of you borrowing money. So, if you meet the application criteria – including providing a bank statement showing income from the past 90 days – we’re happy to find you a lender.

Before offering you a loan, credit providers are required to conduct an assessment, ensuring that the loan they offer you is affordable and suitable.

No matter what your financial or employment situation, if you require payday loans no credit check instant approval Australia, Pocket Cash is here for you.

How much can I borrow?

Our lenders offer loans from $300 to $10,000, with repayment terms up to 24 months. Your repayment terms will depend on the amount you borrow. For instance, the maximum repayment length for between $300 and $2,000 is 12 months. To borrow between $2,000 and $10,000 your repayment term will often be between 9 and 24 months.

How much will I need to repay?

How much you pay for your loan will depend on the amount you need to borrow, and how long you need to pay it back.
How Will I Repay The Loan?

Repayment methods will vary from lender to lender, but usually, you’ll be asked to set up a direct debit. This way, your loan can be repaid in manageable, predictable instalments, on a monthly or weekly basis.

What happens if I can’t repay my loan?

We understand circumstances can sometimes change in ways we cannot predict or control. Sickness, disability, or lay-offs can drastically change your expected income, without warning.

If your situation changes and you need to make changes to your agreed repayment schedule, you must contact your lender as soon as possible. If given enough notice, they may be able to make changes to your repayment agreement.

How does Pocket Cash find lenders?

At Pocket Cash, we’re shaking things up. Gone are the days of waiting weeks for approval on a personal loan. Our team makes it simpler than ever to get the cash you need when you need it.

There are a lot of online lenders who will entice you with promises of ‘no credit checks’ or ‘instant approval’, we recommend you keep your wits about you. If you ever do come across an offer that sounds too good to be true, then it probably is. Which is why your first step should be to look for a lender who adheres to the code of responsible lending. Or? Turn to Pocket Cash to help you find a lender!

We pride ourselves on being transparent and honest with our customers. When you submit an application to Pocket Cash, we’ll work to match you with a compatible lender as quickly as possible.

Do Pocket Cash’s lenders do credit checks?

The answer is, generally, yes. We work with a wide range of reputable and responsible lenders which each have their own specific assessment processes. Some may conduct credit checks. The lender we potentially match you with will likely conduct a credit check when you apply for a payday loan. However, this won’t be the only piece of information they will base their assessment on. Remember, we will always do our best to match you with a lender capable of giving you the cash you need to suit your situation.

Why choose Pocket Cash?

payday loan no credit check pocketcash

If you’ve been searching the web for payday loans no credit check instant approval Australia, you’ll have probably spotted that there are many companies promising quick cash. Trying to choose the right lender for you can be confusing at best. When they all look much the same, how do you know which ones you can trust? Which one is most likely to approve your loan?

Pocket Cash takes care of the hard work. You tell us what you’re after, and we’ll do our best to quickly find you a loan from a lender company we work with.
Want to know more? Here are just a few reasons why you should let Pocket Cash find you a loan:

It’s free!

That’s right – we won’t charge you a cent for our service. When you’re searching for things like payday loans no credit check instant approval, you likely need a quick outcome and minimal costs. While we don’t advocate payday lenders, we do know how to find quick outcomes. With Pocket Cash, you are under no obligation to pay a lender anything until you sign an agreement with a loan provider.

100% online service

Our service is completely online. No long phone calls, or having to attend interviews in-person; our simple submission form takes just a few minutes to complete. Once submitted, our team will endeavour to find you a lender, right away. If a lender is found, they will email you for further details.

Seriously fast outcomes

You need money fast, and waiting around to hear whether you’ve been approved or not is stressful. As such, when you apply for payday loans online no credit check instant approval with Pocket Cash, we’ll endeavour to give you an answer as soon as possible.

Submit an application within normal business hours and we will do our best to find you a lender that same day. Apply outside of our regular business hours and we’ll have a response for you on the next working day.

The ball is in your court once we’ve put you in contact with a lender. You can either accept or reject their loan offer – the decision is yours. Have a careful read through the terms they are offering you and, if you don’t like it, you are free to refuse the offer. You are under no obligation to accept the loan until you’ve signed an agreement. However, if you do accept and sign a loan offer, your money could be in your account within a matter of days.

When it comes to payday loans on credit check instant approval, we’re among the quickest.

Top-notch security

You shouldn’t trust just anyone with your financial details. When applying for payday loans no credit check instant approval.

Pocket Cash works with lenders who comply with responsible lending practices to ensure the security of your personal information. Your privacy is paramount, we will only ever share your information with the lenders you are applying to.

Furthermore, we are partnered with international online security experts, McAfee and Comodo to ensure maximum data security.

Customer satisfaction is everything to us

At Pocket Cash, we put our customers first. Our number one priority is to get you the no credit check loans online instant approval you need, from a trusted lender. If you’re not happy, then we’re not happy.

Total honesty. Total transparency.

When you find payday loans no credit check instant approval through us, there are no hidden charges or clauses. All of our trusted lenders are required to be completely transparent, fully disclosing interest rates and repayment terms, before asking you to sign a contract.

Ready to apply?

We’re hoping you now have all the information you need to make an informed decision about whether or not a payday loan no credit check is the right thing for you. If you’d like to find out more, head over to our FAQ page for further information or contact our friendly team. Otherwise, go ahead and get started with your online loans application!

Why choose Pocket Cash?