Cash Advance up to $500

Get a good car loan deal with rates starting from 10%.

I want to borrow

Estimated repayments

$100

per week

$200

per fortnight

$400

per month

Standard term of 3 - 6 months

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What is a cash advance?

If you’ve stumbled upon this page, the question of ‘what is a cash advance?’ may have crossed your mind. Put simply, cash advance loans are typically small loans that aim to assist in quickly covering bills, emergency expenses or unexpected costs that pop-up out of nowhere. Think $100 to $500 loans that are paid back over several weeks.

The benefit of this type of loan is quick cash in a pinch. Picture this: you’re in the middle of one of those weeks. All of your bills just happen to fall on the same week. Your registration, insurance and rates pile up. Instead of deferring payments and waiting for your next paycheck, a cash advance could be the perfect solution to get you over the line. That’s where Janko can help!

We’re new here!

Janko is the new lender on the block. If you’ve been searching for an online cash advance, you’ve come to the right place! At Janko, we offer small online loans of $100 to $300 for everyday Australians! Want to know the best part? Well, our loan service is available 24/7. Whether it’s 6 am or 9 pm, you can apply for a cash advance through Janko and, if approved, have the cash in your account within minutes!*

The Janko difference

Unlike most short term lenders, we can assess and approve our applicants automatically! Our clients receive outcomes to their applications within minutes, not hours; and, at any time during the day. Our unique system leverages the power of machine learning to ensure accurate decisions in a time frame that suits you. Better still, we don’t conduct credit checks. We provide no credit check loans up to $300. Instead, our system analyses each applicant’s banking history to gauge whether the loan is affordable. So, even if you have ‘poor’ credit, a cash advance may still be in reach.

One more thing, approved clients can expect to see the cash within their account practically instantly. As long as they have an NPP-enabled bank account (which includes 90% of Australian accounts), the funds are transferred as soon as the contract is signed.

Cash Advance Loans: FAQ

How fast do  I have to repay my cash advance?

You might be wondering, do I have to repay my Cash Advance on my next payday? The answer is no! Our loans generally run over a period of 6 months, so the repayments are manageable. Of course, you are always welcome to pay out your Cash Advance early if you would like to, without any early payout fees!

Cash advance eligibility

As much as we’d like to be able to help every Aussie seeking a cash advance, we do have some basic eligibility requirements that need to be met before an application can be considered.

  • Over 18-years of age
  • Holder of a valid driver’s license or ID equivalent
  • Regular income for the last three months
  • Paid into personal bank account accessible via internet-banking
  • Have both an active mobile number and email address

Pretty simple, right? As long as you meet the above criteria, you could be one step closer to applying for a cash advance through Janko!

Can I get a cash advance if I’m unemployed?

In need of a cash advance but not currently employed? With Janko, that isn’t a worry. As long as you’re receiving consistent Centrelink benefits, we could still consider your application. This includes Family Tax, Age Pension, Disability Support or any other benefit. So long as it’s consistent, we can assess your application.

What about people with bad credit?

As we have mentioned before, we do not conduct credit checks at Janko. If you’ve had a couple of hiccups in the past; maybe a forgotten utility account or two, you won’t need to worry about these affecting your chances of getting a cash advance with Janko. We use a bespoke system that helps us determine the credit risk of each applicant without the need for their credit score. As long as we can see you’ve been managing your money well, we will be happy to consider your application.

Join the family

If you’ve gotten this far, what’re you waiting for? Scroll up to begin your cash advance application and join the Janko family! With the ability to apply any time and anywhere, Janko is always in your back pocket!

*Only available for NPP enabled bank accounts

For quick and easy finance, go Janko.

Apply now