Short Term Loans

Short term loans – borrow cash in a few clicks.

✔️ Quick lender approval.

✔️ 100% online – 0% obligation. 

✔️ Connect to our trusted lender network with one simple form.


The simple and secure loan form can be filled out in a few clicks from your phone or computer. 


The 100% online process makes it simple and easy to connect with a network of trusted lenders.


Get lender approval fast from our network of lenders chosen for their cost, speed, service, reviews and much more. 

How to get a short term loan

It only takes a few minutes and three simple steps to get a short term loan.


1. Submit a loan form

The 100% online process is simple and secure and cuts away all unnecessary paperwork. Simply submit a loan request and get connected to our network of trusted lenders. 

2. Get small loan offers

If the loan offer fits your needs and desires, and you agree to the terms, simply sign the deal online and be ready to receive the funds. 

3. Receive money

Once you have submitted an application and signed the loan offer, the money will be in your account shortly. 

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Who can get short term loans?

The requirements to get a short term loan are very few, and almost anyone can apply for the loans in our network of reliable lenders. Even if you have been rejected for loans in the past, we could help you get the money you need. 

If you are wondering if you are eligible and qualify for a short term loan, then in most cases you simply need to follow these few criteria. 

  • 18+ years old
  • Income
  • Australian bank account
  • Have a mobile phone and email

The requirements for short term loans can vary depending on the lender, but if you meet these requirements, the chances of getting loans online from our network of reputable loan lenders are very high.  

Why use Incombi to get your next short term loan?

We believe money should be easily accessible for anyone in any situation. Therefore we help people find cash loans from reputable lenders in only a few clicks. 

Short term loans 

Short term loans are an easy and fast way to get money online. 

A short term loan can be obtained in only a few clicks – 100% online. 

If you need money for unexpected bills or any other situation, short term loans can help you get funds to your account quickly. 

With one simple loan application form, you can get access to our network of top reputable lenders in the industry. 

It is fast, simple and easy.

Loan amount

$50 – $5000✔️


1 – 24 months ✔️


Apply in clicks ✔️


100% online – 24/7✔️

man and woman lending money online fast

Short term loans, no credit check

Incombi focuses on helping people get the money that they need no matter their credit score. 

With one simple loan application form, you can connect to our network of reputable lenders with quick loans. 

We know that no-credit check loans are something many people with bad credit look for. That is because they think you can’t get a short term loan with a bad credit score but that is not true. 

With our large network of lenders, the chances of getting quick loans with short terms are very high, and you can apply today with no obligations. 

Quick loans have some of the fastest transfers of funds which could be as fast as the same day you apply. 

Short term cash loans 

Short term cash loans have become easily accessible online because of the short online loan application process. 

Most short term loans are without collateral meaning that there is no security or “insurance” on any assets such as a house or a car.  

Short term cash loans are not like traditional loans from banks where you have to wait days or sometimes even weeks to get your cash. Furthermore, you will also often have to deal with lots of time-consuming paperwork when lending from a bank. 

With online cash lending, you don’t have to deal with annoying paperwork since you can get short term cash loans 100% online. In other words, you don’t even need to leave your home to get fast cash loans. The process is fast, and so is the transfer of money. Many short-term loans online provide same-day funding depending on the time of your application.  

You can fill out a short application and tap into our network of lenders with fast loans in only a few clicks. This way, you can be sure to borrow cash from a reputable lender fast and easily. 

Fast cash loans

The process of getting a cash loan has become very fast due to the simple process. To get a fast cash loan today, you simply have to submit your information in one single form. It takes only a few minutes, and by using a network you can be sure only to get cash loans from trusted and reliable lenders. 

It is completely free to use our service, and anyone is welcome to apply. 

Quick and fast online loans with short term 

Quick and fast online cash loans have become a very popular way to borrow money for a short period of time. Many people use them to deal with periods of financial difficulties because they are fast and easy to get, unlike other types of loans. 

Traditional bank loans are often slow and full of time-consuming paperwork.

Online cash loans, on the other hand, are quick and easy to get without the annoying paperwork, and therefore many people prefer to borrow money this way.

Most people simply don’t want to wait days or even weeks to get funds from personal loans when they need the fast cash now. 

Eliminating time-consuming and unnecessary lending processes makes borrowing money both easier and cheaper. 

We specialise in making online cash loans easily accessible in a matter of clicks by connecting borrowers with lenders with one simple application form- loan short term today.

Personal loans with a short term

Personal loans are loans from a creditor such as a bank, financial institution, credit union or other providers of loans. Personal loans can be used for a wide range of personal things, such as paying bills or consolidating credit card debt

Personal loans are typically paid back in monthly instalments, and they can be both secured and unsecured. 

A personal loan can also both have a short-term or a long-term, and a small personal loan will usually have a short-term with one to a few monthly terms.  

Many personal loans will be with direct debit meaning you won’t have to worry about forgetting to pay back the loan in time during the repayment months.  

If you are looking for a personal loan with a short or long term you can submit an application to our network in a matter of minutes. By using our lender network you save time and ensure you only get loan offers from reliable and trusted lenders. 

All you have to do to get a short term personal loan is to follow these 3 simple steps. 

  1. Apply
  2. Receive offers
  3. Sign the contract and receive your money

The process is fast and straightforward, and our service of finding loans from a reputable lender is always 100% free and with no extra fees to you. 

Choose amount and apply in clicks today!

Short term loan vs long term loan

If you are considering a personal loan you should also consider the loan term before submitting an application. The term of the loan should fit your personal financial situation. If you choose a loan with a short term you will have to make fewer but larger payments. It is therefore important that you can pay these larger amounts on the repayment date. If you on the other hand choose a loan with a longer term the payments will obviously be smaller but you will also be in debt for longer. Therefore it is always important to choose a lending amount and terms that works for your financial situation. 

Secured vs unsecured 

Loans generally fall under two categories secured or unsecured debt. Unsecured loans are loans without any collateral meaning that there is no asset backing the loan. 

Most short term loans you will find online will be unsecured without any collateral. Some of the most common secured loans are home loans and car loans, where the asset is backing the loan which is used if the debtor (customer) defaults on their payments. In general unsecured loans will have a higher interest since there is a larger risk for the creditor. 

How much do small loans with a short term cost?

The cost of small short term loans will vary on many factors. Firstly, the amount you are able to borrow will vary depending on your credit. Your credit will also impact the rate you are able to get the interest at. The better your credit score the better the rate.  

If you want to know exactly what it will cost with your credit or the maximum you can borrow, then applying is free and without obligations. You can always say no to the offers and a soft enquiry will also not leave any footprints on your credit.  

If you are on Centrelink benefits and need money, then a short term loan can be a way to obtain finance fast and simply. Traditional lenders such as banks and credit unions will in many cases reject your loan application as soon as they see you are on Centrelink benefits. 

Our large network of lenders however includes lenders who will provide cash loans for people on Centrelink. 

It is fast and easy to tap into our loan network with just one simple application form. 

You can save lots of time by applying to our network of reputable lenders at no extra fee, rate or cost instead of having to apply to multiple creditors to find cash loans at fair rates. 

This way you can save time and increase your chances of getting approved for lending. In most cases, you will need some source of income to be approved for short term loans such as Centrelink, a job, or your business.  

Anyone is welcome to apply even if you have been rejected for a loan before or you have bad credit. 

Payday loans with short term

Payday loans also known as pay loans or payday advance are short term loans often paid back in a single instalment. 

Short-term payday loans are a popular way to borrow emergency cash online before pay, because of their loose requirements and fast processing online from payday lenders. In general payday loans have a higher interest rate (APR) compared to other types of online loans with a longer repayment period. 

A Payday loan is meant to extend your credit till your next pay when you can repay the loan. Payday loans are mainly used to pay bills and other expenses but you can use them for exactly what you want. 

Short term cash advance

Payday loans are also known as advance loans which are essentially the same type of short-term loan. Lenders might name the same type of short term loan in different ways but short-term cash advance loans and payday loans are structured in the same manner. 

They are meant to extend your credit till your next payday when the loan can be repaid. 

People typically take a payday loan to pay bills or other expenses before they get paid next time. If you need quick cash then obtaining a payday loan can be a way to solve financial needs quickly. It is seamless and quick to obtain short term cash advance loans through our network. 

All you have to do is submit a short loan application with basic information about yourself. 

You can get access to our loan network through one simple form. This way you can save time and also be sure to only get loan offers from reputable creditors. Our service is free to you and we do not charge you any fee or any other charges. 

Small short term loans

Small short term loans are popular because they make it possible to borrow small amounts of cash fast and simply.  

You don’t have to deal with time consuming paperwork – because it only takes a few small clicks to apply for small loans. 

You can get started today with a small short term cash loan starting from a loan amount as low as $50.

Simply choose the total loan amount and the repayment period (terms) you want for the small loan, and submit a short loan application. 

This way you not only save valuable time but also make sure you are only getting short term loan offers from trusted lenders in Australia.