Quick Loans

Get your cash within 60 seconds of approval*


100% Online


Quick & Easy


$500 to $5,000


Bad Credit OK

Lightning-fast cash loans.

Get your cash within 60 seconds of approval*

I want to borrow...


8.69% (comparison rate 12.05% pa)*(2) starting rate with no ongoing fees. Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history. WARNING: This comparison rate is valid 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.

Apply in minutes

Once you have applied, you can sit back and we'll take care of the rest.

Searching for quick loans?

If you need a quick loan, look no further than Lightning Personal Loans. We are a lender-finding service with partners that are just like us: lightning-fast! We pair up suitable applicants with lenders that need a cash pick-me-up from $500 to $5,000.

What can I do with a quick loan?

A quick loan is a personal loan that is just that — quick! You can use a quick loan to cover personal expenses you might have. Quick loans exist for when you don’t have time to wait days for a personal loan outcome. Lighting Personal Loans finds you a quick loan, at lightning speed, so you can get on with life!

Quick loans from quick partners

Small Loans
Medium Loans
Large Loans
Loan amount

Loan Amount

$300 - $2,000

Loan Amount

$2,001 - $5,000

Loan Amount

$5,001 - $10,000


12 months


12-24 months


13-24 months


20% upfront establishment fee +4% monthly fee


21% upfront establishment fee +4% monthly fee


22% upfront establishment fee +4% monthly fee
Rates from 6.0%

Rates from 6.0%

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Rates from 6.0%

Loan Amount of $2,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Rates from 6.0%

Loan Amount of $5,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

How Lightning Personal Loans find you a quick loan

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You apply

Apply in minutes for a quick loan. Fill out our quick application form and we will do the rest. No need for piles of paperwork. It’s easy!

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We search

Using our smart, safe technology, we scan through our partner lenders to find the best fit for you.

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Meet your lender

Within minutes, we can find you a lender that can provide you with a quick loan. We will pass you into their very capable hands and they will contact you shortly.

Why Lightning Personal Loans?

You might be wondering, why go Lightning? Well, we have a few key reasons that we think make us pretty great.

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Easy online application

No paperwork. No lengthy forms. Apply anywhere, any time, Australia-wide.

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Lighting-fast approval

You could get an outcome on your personal loan application from your lender within just 60-minutes*.

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All credit considered

Are you worried your credit score might hold you back? Don’t stress, we have lenders that offer loans to people with bad credit.

Eligibility criteria


Be at least 18 years old


Have an active email address, mobile number and online banking account


Be an Australian citizen or permanent resident


Have received a regular income for at least 90 days

Frequently asked questions

How much can I borrow?

Our partners provide quick loans from $500 to $5,000. So, you can apply to borrow any amount within this range.

What happens when you find my lender?

If we find you a suitable lender (congratulations!), we will pass you through to them. They will complete their application assessment and let you know whether they can provide you with a quick loan. Once they send you a copy of your loan contract, you can sign and send it back to them and you’re done! If you want something changed on your loan contract, such as your loan amount or repayment period, just let them know and they’ll be happy to help.

What happens if you don’t find a lender for me?

Unfortunately, sometimes, we can’t always find your perfect fit. However, we will always do our absolute best to find the right lender for you.

What documents do I need to use your service?

Trick question — nothing! You don’t need to fill out paperwork or provide us with supporting documents. All we need is some general information like your bank account and personal contact details. All you need to do to use our service is click the ‘Apply Now’ button and get started! It’s super easy and, of course, lightning-fast.

Will you conduct a credit check on me?

Here at Lightning Personal Loans, we like to stay in our lane. We find the lender, and the lender does the rest. Unfortunately, we can’t guarantee that they will or won’t conduct a credit check. However, our partners are inclusive lenders, so they will look at factors other than your credit score when processing your application.

Aussie lenders for Aussies

All of our loan partners are Australian owned and operated. We’re all online, Australia-wide, and we’re ready to help you secure a quick loan.

Even though we’re behind your screen, we are based right here in Australia. We’re 100% online, quick, and easy to use. We were founded by Aussies, for Aussies.

We make the lending process just a little bit easier. There are so many lenders out there, so it can be difficult and time-consuming to find the right fit. We’ve made it simple for you. We partner with other like-minded lenders that prioritise lightning-fast service.

So, whether you need a quick loan to repair your car, pay some outstanding bills or go on a much-needed holiday, we can help you find a lender that just gets it.

We’re free to use

Not only are we lightning-fast, we’re also completely free to use. Meaning you can find your lender with no stress, no time spent researching, 100% for free.

Do you need your cash quickly? Well, that’s what a quick loan is for. We’re lightning-fast and so are our partners. We all want the same thing: to provide you with a quick loan when you need it most.

Whether you need $500 or $5,000, our lenders are here and ready to help you.

No stress, just lightning-fast outcomes

Why stress about finding the right lender? Use our 100% free, 100% online, 100% lightning-fast service.

Love your Lightning Personal Loans experience? Get in touch and let us know because we love to hear from our satisfied customers! That’s why we do what we do.

If you need more information, head over to our frequently asked questions page. Additionally, you can find our Privacy Policy and Acknowledgement & Consent for more details.