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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative example: 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 instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
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. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > Today Loans

Today Loans

Today Loans is a secured cash loans provider operating in Australia, providing loans of amounts between $500-$3,000 for a term period of 6 to 36 months. Each loan is secured against the borrower’s licensed motor vehicle, provided it is not more than ten years old. The lender allows weekly, fortnightly, or monthly repayments, and uses a direct debit facility to claim repayments from the borrower’s bank account. If you apply before the appointed times, you may be able to secure a loan on the same day.

Types of loans

Today Loans provides cash loans called Tailored Loans. These loans are secured against a licensed motor vehicle owned by the borrower. 

Eligibility Criteria

To apply for a tailored cash loan, borrowers must:

  1. Be earning a weekly income in excess of $500
  2. Be over the age of 18
  3. Provide security in the form of a licensed motor vehicle not older than 10 years, and the vehicle must not be under any form of financing 

Pros & Cons


  1. Fast online application process, available 24/7
  2. Possibility of receiving a decision in under two hours
  3. Same day disbursement of loan funds if applied before the appointed time 
  4. Dedicated customer service via phone call or email


  1. Secured loans, requires security in the form of licensed motor vehicle

Borrowing costs of loans from Today Loans

Today Loans charges a monthly rate of 4%, amounting to an APR of 48%. 

Applicable rates may vary depending on the loan amount, loan term, and additional charges including repayment fees, redraw fees, and default fees.

Loan Type Loan Amount Loan Term Total Repayment Total Borrowing Cost
Cash Loan $2,500 24 Months $4,294.67 $1,794.67
Cash Loan $1,500 24 Months $2,576.8 $1,076.8

Information Required To Apply

The following information is required to complete the loan application process:

  1. Personal information including name, marital status, and dependents
  2. Contact information including email address and phone number
  3. Employment details including name of employer, address, and contact information
  4. Weekly income/expenses information

How To Apply

Step 1 – Fill Out Online Application Form

Log on to and click on the Apply Now button. This should take you to the application form. 

today loans australia loans application

Go through the eligibility criteria and click next. Fill out the required information in the application form and submit it for review. 

Step 2 – Application Review Process

It should take about two hours for your application to be processed and the decision to be finalized. 

Step 3 – Disbursement Of Funds 

If the loan is approved before the appointed time as set by the lender, the funds may be disbursed within the same day. 


  1. How long is the application process to apply for a loan with Today Loans?
    The application process should take about ten minutes to complete.
  2. What is the maximum amount I can borrow from Today Loans?
    The maximum loan amount available is $3,000
  3. Does Today Loans give out loans to borrowers with bad credit?
    Yes, each loan application is evaluated on its own merits and someone with a bad credit history may qualify for a loan.
  4. Do I need a car to apply for a loan with Today Loans?
    Yes, a licensed motor vehicle not older than 10 years is required to apply.
  5. Does Today Loans allow early repayments?

Lenders Like Today Loans

Lender Description
Our Money Market OurMoneyMarket is an unsecured personal loan provider in Australia offering loan amounts between $5,000-$35,000 for a loan term of 3, 5, and 7 years.
RateSetter Loans RateSetter is a loan provider with a peer-to-peer lending platform in Australia that deals in personal and car loans. The lender offers personalized rates on its loan products based upon the borrower’s credit history.
Cash Converters  Cash Converters is a loan provider in Australia with cash loans from $50 all the way up to $5,000. It operates more than 150 stores in Australia, and also acts as a marketplace for second-hand products. Customers can apply for a loan both online as well as in-store.
Clear Loans Clear Loans is a guarantor loan provider in Australia offering loan amounts between $3,000-$15,000. The loan terms allowed by the company range between 12-60 months.

Promo Codes

No promo codes exist for Today Loans at this time.