Instant Cash Loans In Melbourne

Break Free Home Loans are a leading mortgage broker in Melbourne, with over 20 years of industry experience. We provide lending solutions and advice tailored to your needs. We work closely with clients as trusted advisors and are accessible to clients when needed.

Our brokers work hard at understanding our client’s unique circumstances and helping them overcome common home loan challenges. Whether you’re a first home buyer or an experienced investor, we’ll help you find the best home loan for your situation. Whether you’re self-employed and have trouble proving your income or you’re a contractor or casual worker, we offer solutions for all types of clients’ income sources.

Instant cash loans in Melbourne are a convenient and easy way to get the money you need when you need it. We understand that life doesn’t always go as planned and that unexpected expenses can pop up at any time. An instant cash loan gives you the immediate finances you need and the flexibility to repay the borrowed amount rather than covering your expenses upfront. Our brokers can connect you to credible lenders who offer instant approval loans so you can get the cash you need, when you need it. Apply for a loan with Break Free Home Loans today. We can help you compare instant loans to find the best finance option to suit your needs.

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When you want to borrow money online instantly, instant approval loans will allow you to secure the funding you need without waiting long or complying to rigid lending criteria. Instant cash loans offer a number of benefits, including:

  • Quick and easy approval
  • No collateral required
  • Flexible repayment terms
  • Access to funds within 24 hours

How It Works

Instant money loans are short-term loans that can be used for any purpose. Whether you need to cover an unexpected bill or you’re looking to consolidate debt, instant approval cash loans can help. Instant loans are typically repaid over a period of 3-6 months and can be approved in as little as 24 hours.

How Much I Can Borrow

Instant cash loans are unsecured, meaning you don’t need to provide any collateral in order to qualify. This makes them a great option for those who may not have access to traditional forms of credit, such as a home or car. Most lenders offer instant cash loans up to $5,000. However, some may offer more depending on your individual circumstances. Make sure you only apply for an instant loan you can afford to repay.

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instant cash loans in melbourne


Our brokers at Break Free Home Loans can help you apply for the best instant cash loans Melbourne lenders have to offer. The following are some basic eligibility requirements you need to meet to satisfy lenders. This way, you can get the best repayment terms and the lowest interest rates for your finance.


To be eligible for an instant cash loan, you will usually need to meet the following criteria:

  • Be employed for at least 3 months: You will need to provide payslips as evidence of employment. Australian lenders require you to meet a minimum income criterion, which is usually $1,500 per month after tax. They need to see stable employment and consistent earnings. If you are self-employed or a business owner, lenders will usually impose a minimum turnover requirement or assess your business performance. With special conditions such as these, applicants can negotiate for approval on a case-by-case basis.
  • Be an Australian citizen or permanent resident: You will need to provide a copy of your passport or birth certificate, or be eligible visa holders or meet other residency conditions.
  • Be over 18 years of age: You will need to provide a copy of your driver’s licence or passport as proof of age.
  • Have a good credit history: An instant loan is typically only available to people with good credit histories. If you have bad credit, you may still be able to apply for a loan but it may take longer to be approved. A good credit profile means no defaults, history of bankruptcy or debt agreements as well as magistrate court disputes. Lenders will investigate your credit report closely to ensure you are a responsible and low-risk borrower.


You will be required to submit documents that confirm your identity and support your application — such as a driving licence, government ID card, or passport. You’ll need to scan and upload evidence of residency — which might be in the form of a utility bill, rental agreements, and other ongoing leases or proof of employment. You will need to provide proof of your credit history with copies of your recent bank statements and payslips.

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What To Look For In Instant Loans

If you are considering taking out an instant cash loan in Melbourne, make sure that you understand the terms and conditions before you sign any paperwork. While cash instant loans can be a great way to tide you over to the next payday, you should always browse all your alternatives before committing to anything. Before you make a final decision, you should always carefully consider and compare factors such as:


The interest rate on quick cash loans in Melbourne can be very high, so it is important to only borrow what you need and to make sure that you can repay the loan on time. These loans should only be used as a last resort and not for everyday expenses. Instant loans are typically more expensive than other types of loans because they are designed for people with bad credit who may be considered high-risk borrowers. If you have bad credit, you may want to consider other options.

Additional Fees

Instant loans may also have higher fees than other types of private loans, so be sure to compare the costs before you apply. These fees include things like processing fees, origination fees, and late payment fees.

Payment Frequency

The repayment terms for instant cash loans will vary depending on the lender, but most loans will need to be repaid within two weeks to one month. Some lenders may offer longer repayment terms, but you will usually end up paying more in interest and fees. In most cases, instant loans have shorter repayment periods than other types of short-term finance. This means you may be required to make more frequent payments to repay the loan on time.

Lenders Reputation

The lender’s reputation is another important factor to consider. You should always research the lender before you apply for a loan, to make sure they are reputable and will not take advantage of you. They need to be a registered accredited lender with the ASIC (Australian Securities and Investments Commission). Furthermore, you should check their customer reviews so you’ll have clear expectations of the quality of their service.


Instant loans typically have lower loan limits than other types of loans, so you may not be able to borrow as much money as you need.

How To Apply For Instant Cash Loans?

You can apply for instant cash loans online. This is a typically simple and straightforward process that allows you to avoid the lengthy approval times from traditional lenders. Instant loans are typically unsecured, meaning you won’t need to put up any collateral like your home or car. The approval process is usually much quicker than traditional loans, and you can often get your money within 24 hours.

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The following is a step-by-step guide on how to apply for instant cash loans:

  1. Research different lenders and compare interest rates and terms. Be sure to read the fine print and understand all the fees associated with the loan.
  2. Fill out an online application form with your personal and financial information.
  3. Once you’re approved, sign the loan agreement and receive your instant loan amount as a deposit on your nominated bank account.
  4. Use the loan funds for whatever you need, and be sure to make your payments on time to avoid any penalties or additional fees.

Types Of Instant Loans

The following are some common types of cash loans instant finance:

Cash Advance

A cash advance is a short-term loan that typically has a high interest rate. Instant cash loans are typically used to cover unexpected expenses or to bridge the gap until guaranteed funding from your next payday.

Short Term

Short term instant loans are typically repaid in full, plus interest, on your next payday. You can use them to cover cash shortages for rent expenses, utilities, insurance, mortgage payments on your property and other overdue bills or pressing expenses. If you’re a business owner, you can use short term finance to pay off debts, purchase inventory and support your working capital needs.


For Travel

Instant loans can be used for a variety of travel purposes, including last-minute tickets and emergency travel expenses.

For Veterinary

Instant loans can be used to cover unexpected or emergency medical expenses. This also includes paying off outstanding vet bills for your pet.


Instant loans can be used to provide for the cost of unexpected or emergency home repairs. They can also help you offset the cost of unexpected car repairs.

Alternatives For Instant Money Loans

Instant loans are not for everyone and should only be used in emergency situations. If you’re not sure you can repay the loan on time, you may want to consider other options. These alternatives include:
    • Applying for a personal loan from a bank or credit union: Personal loans from banks and credit unions typically have lower interest rates than instant loans.
    • Using a credit card: If you have good credit, you may be able to get a cash advance from your credit card. Just be sure to pay off the balance as soon as possible to avoid high interest rates.
    • Borrowing from a friend or family member: This option can be cheaper than taking out an instant loan, but it may not be an option for everyone. If you decide to go this route, just be sure to draw up a contract so that there’s no confusion about the terms of the loan.
    • Getting a payday alternative loan from a credit union: Payday alternative loans are offered by some credit unions and have lower interest rates and fees than traditional payday loans.

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Contact Us

Don’t settle for a single quote from the first lender you see. When you’re ready to apply for an instant loan, be sure to compare interest rates and terms from multiple lenders to get the best deal. At Break Free Home Loans in Melbourne, we’re here to help you find fair, affordable finance. We connect you to responsible lenders and ensure you find a loan that fits into your budget. Contact us today to check your eligibility and begin your loan application.

Frequently Asked Questions

Our brokers are more than happy to answer any questions you may have. The following are some of our most frequently asked questions regarding instant cash loans:

How Can I Borrow Cash Instantly?

If you need instant cash loans, the easiest way is to apply with an online lender. A qualified broker can help you complete the entire application process. We can help you submit your application while you remain in the comfort of your own home. Our brokers can take care of all the paperwork and legal legwork including negotiating with your lenders. Furthermore, we can help you build a strong case towards your loan approval. The loan will be deposited into your bank account as soon as 24 hours after you are approved.

How Can I Get An Instant Loan In Melbourne?

Applying for an instant loan is quick and easy, and can often be done entirely online. The application process typically only takes a few minutes, and you can often get a decision on your loan within the hour or on the same day. To apply for an instant loan, simply fill out our online application form. Once we have your information, we’ll match you with a lender who can provide you with the cash you need. When you apply for an instant cash loan, you will usually need to provide the following information:

  • Your name, date of birth and contact details
  • Your employment status and income details
  • Your bank account details

What Are The Requirements For An Instant Loan?

Instant loans are a great way to get the cash you need quickly and easily. If you’re looking for an instant loan, be sure to shop around and compare offers from multiple lenders to get the best rate and terms for your needs. The basic eligibility requirements for instant cash loans are as follows:

  • You must be at least 18 years old
  • You must have a regular income
  • You must have an active bank account
  • You must have a valid email address and phone number

You will generally need to provide the following documents:

  • Your most recent payslip
  • Your latest bank statement
  • Proof of identity, such as your driver’s licence or passport

Once lenders have appraised your ability to repay their loan, they will decide whether you are eligible for finance. If you are approved for an instant loan, the money will usually be deposited into your bank account within 24 hours. In some cases, you may even be able to get the money within a few hours.

Contact our team

We love to hear from each and every one of you. Please feel free to reach out to us today!