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Short-Term Loans When You Need Them

Save 10% on loan fees with promo code NEWCASH10

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  • More Money

    Borrow up to $2,025, if approved.1
  • More Time

    Average loan terms of 82 days!6
  • More Choices

    Select from multiple repayment options to fit your needs.4

How Short Term Loans Work

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Here at DollarsDirect, we pride ourselves on providing dependable funding to hardworking Australians in need of emergency money.

If you are approved, you will have a credit limit of $2,425, from which you can draw up to $2,025.1 (The other $400 goes toward the establishment fee.) Borrow as much money as you need, up to $2,025, and repay in installments between 65 and 100 days.6 Once you’ve repaid your loan, you can easily apply for a new loan again when you need to.

Short on time? Our short-term loans are faster and easier than working with a bank. In fact, when you apply today, you may even be eligible for same-day funding!2 Our quick application takes just minutes to fill out and is 100% online, so you don’t have to leave home or wait in long lines to apply for our short-term loans.

We understand that life’s little challenges aren’t always within our control. That’s why perfect credit isn’t required for you to be eligible to borrow from us.3 DollarsDirect’s short-term loan product can help you meet your financial obligations.

When to Use DollarsDirect's Short-Term Loans

No two loans are built exactly the same. Sometimes you need a large amount of money for a big-ticket planned purchase; other times, you just need a bit of help between paydays.

Our short-term loans are designed with your unique needs in mind. They are ideally used for short-term financial needs you have not budgeted for — such as unexpected expenses, overdue bills or emergency home repairs. DollarsDirect funds can be used for most expenses that require urgent attention. Then, you can repay gradually over time. The average loan term is 68 days.6

Still not sure if DollarsDirect short-term loans are right for you? Let us know how we can help! We’re available during normal business hours by phone, email and live chat. Ask us absolutely anything about how our loans work, the cost of borrowing or anything else you’re unsure about. You can also check out our FAQ; the answers you need may already be there!

You’re eligible to apply if you are an Australian resident, are 18 or older, have been employed for at least 30 days, and have an active bank account with direct deposit. Apply today for a short-term loan!

The promo code can be applied to the establishment fee concerning an initial loan, not when refinancing. Promotional code cannot be used with other offers/member benefits, must be used at application time, and can only be used once.

[1]Approval subject to DollarsDirect's lending criteria. Approved customers will have a credit limit of $2,425, which includes a $400 establishment fee. Customers who use a discount or promo code will have the establishment fee (and credit limit) reduced by the amount of the discount. In all cases, the amount available to you to draw will be $2,025. [2]Most customers who bank with ANZ, Commonwealth, NAB, St. George or Westpac, and are approved by 2:30pm Sydney time Monday – Friday (excluding holidays), will be funded the same business day. All other approved applications will be funded the next business day. [3]DollarsDirect will consider your loan application regardless of your credit history. If you have defaulted on past transactions, you may be declined for a loan. [4]Some customers may only have one repayment option. [5] Most customers will not have to draw the entire amount available to them initially. However, some customers will be required to draw the entire amount on the date of initial funding. [6]Loan terms vary based upon your application information and your pay frequency. [7]You may cancel your loan within 24 business hours of initial funding by calling us at 1 800 060 892 and we will only debit your account for the principal amount we deposited. There will be no additional charges or fees. 24-hour cancellation option does not apply to refinanced loans. [8]Loan must be in good standing and adjustment requested at least 2 business days before the current due date.