Fast Cash Loans Townsville

Connect the dots from where you are to where you want to be. Rapid Loans gives people and organisations the opportunity to access the funds they need to achieve their goals, providing a full suite of personal, business and car loan products tailored to your precise needs.

When you’re looking for a trusted lender for fast cash or a personal loan, look no further than Rapid Loans. From financing that trip abroad to furnishing that brand new home, we want to back you, offering the support you want to live the lifestyle you choose. We make personal loans simple, saving you the hours you’d waste comparing loan products by offering a single bespoke loan package, tailored to fit your needs and circumstances. Apply online today or start a conversation with one of our consultants and find out how we could fit into your lifestyle.

Car Loan Calculator

Use our simple car loan calculator to find out how much you can borrow towards your new set of wheels.

Loan amount

Please Select
  • $ 2,001
  • $ 3,000
  • $ 4,000
  • $ 5,000
  • $ 6,000
  • $ 7,000
  • $ 8,000
  • $ 9,000
  • $ 10,000

How often do you get paid?

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  • Weekly
  • Fortnightly
  • Monthly

A smarter choice for local business

At Rapid Loans, we’re fans of local enterprise. We want to help Townsville businesses become all they can be, so we offer a range of loan products designed specifically for growing organisations. With application for loan amounts from $10,000 to $50,000 available, if approved, you’ll have everything you need to upgrade tired old plant and equipment, purchase stock to fulfil a large order or deal with one-off expenses.

A flexible company offering flexible cash loans, we welcome you to apply if your business is older than six months and turns over more than $10,000 every month, allowing more organisations in Townsville the opportunity to access the money they need to reach their full potential. With quick responses provided on all business loan enquiries, you’re always ready to jump on opportunities as they present themselves, allowing you to act quickly in a fast-paced market. Talk to one of our team members today and discover why local businesses choose Rapid Loans, or apply now with our fast and easy online application form.

Helping you get behind the wheel

Get all the fun of a new car with none of the hassle of juggling complicated finance arrangements. Rapid Loans makes it simple for anyone looking to buy their first car or upgrade their existing vehicle to get the funds they need, when and where they need them1. With loan amounts from $5,000 to $25,000 available, with two weeks of conditional pre-approval, we have you covered whether you’re looking for something modest or fully-featured.

Find out why Rapid Loans is one of the preferred loan providers to people across Townsville and get in touch with one of our consultants today. Speak to us over the phone on 1300 727 431, apply online using our fast and easy application form, or send us your questions via email at and we’ll be happy to provide the information you’re looking for.

Cash loans Townsville

When unexpected expenses arise, or if you need funds to take up a great opportunity, a fast cash loan might be just what you need. Rapid Loans specialises in fast and easy online loans, whether you need cash loans, personal loans, car loans, debt consolidation, or a small business loan. Rapid Loans regularly assists countless Townsville residents with personal finance at a much quicker turnaround than what a standard bank can offer.

If you’re in need of an urgent cash loan in Townsville, we have several options you can take advantage of depending on your financial circumstances. At Rapid Loans, we specialise in offering fast personal service on personal loans from $2,001 up to $25,000 and car loans from $5,000 to $25,000.

Apply Online Today

Applying for finance with Rapid Loans is simple using our secured and easy to use online application process. All you need is supporting documentation for identification purposes and information about your income and regular expenses.The application can be completed in a matter of minutes. All of our applications are reviewed manually by our friendly in-house loan consultants and, if you meetour criteria, you may get a result on the same day.

Personal Loans Townsville

We offer personal loans from $2,001 up to $10,000 to suit your lifestyle with same day application and approval¹, all with excellent customer service. Upon a successful application, the funds will be available as soon as possible, in some cases even on the same day as application. Apply today through our easy-to-use online application process.

Car Loans Townsville

Are you in need of a new or second-hand car for your household? We can help you turn the car you are dreaming about into a reality. Our online car finance options can assist you with a fast car loan for the car you’ve either already found, or you can apply for 2 weeks of conditional pre-approval to give you peace of mind when you are looking. Our secured car loans range from $5,000 up to $25,000, with fast application processing and two weeks of conditional pre-approval helping you strike quickly when you have found the vehicle you wish to purchase.

Debt Consolidation

Debt can add up quickly and before you know it, you may have amassed a variety of smaller debts that are difficult to manage. Excessive monthly fees and high interest rates can make it difficult to manage or get out of debt. This is where a debt consolidation loan may be a suitable option to help you clear your debt. By consolidating all of your personal debt into an easy to manage personal loan, you can avoid recurring monthly fees and high interest charges from multiple lenders that are adding to your debt, leaving you with just one set of repayments to manage.

Business Loans Townsville

A small business loan with Rapid Loans can help businesses seize opportunities, solve problems and provide capital to cover big bills while waiting for outstanding accounts to be settled. Cash flow can be one of the biggest hurdles for successful companies and smart business finance solutions can help overcome those hurdles. Apply to our online business loan or Contact our small business finance team today to discuss your options to access that much needed capital.

Contact Us Today

If you need more information regarding our loans or need to speak to a consultant for assistance with making an application, please call our customer service team today on 1300 727 431. You can also request a call back from our staff at your convenience by filling out the form here.



Frequently Asked Questions



What do I need to apply for a loan?

Getting your documentation ready to support your application for a loan is not hard but there are three basic things we need to know:

  • Your identity.
  • Your financial circumstances.
  • Your lifestyle.

Can I get an unsecured personal loan?

Rapid Loans does not offer unsecured personal loans. In order to offer better rates and loan terms to our customers, we only provide secured personal loan options.

Will the funds be available the same day?

We always aim to be as quick as possible with transferring funds to successful applicants. Depending on the time of day of the successful application, the funds may be available the same day.

Do you offer fixed interest rates?

Yes, personal and car loans from Rapid Loans have a fixed interest rate outlined in your contract. This will vary depending on a number of factors such as your borrower profile, the loan product and principal amount.

Do you charge early repayment fees?

No, Rapid Loans does not charge any fees for early payouts or additional repayments on top of the normal repayment schedule.

What is a p.a. comparison rate?

The comparison rate gives you a true understanding of the cost of the loan per year. In addition to the interest rate charged it factors in the cost of fees and charges, repayment frequency, loan term and loan amount.

I am on government benefits. Can I still get a loan?

Depending on your total income when compared to your expenses, you may still be eligible for a loan with Rapid Loans if Centrelink benefits form part of your income. Please note that only some benefits are accepted as eligible forms of income.

Do you offer payday loans?

While our personal loans are fast and simple, Rapid Loans is not a payday lender and our minimum contracted loan term is 18 months, though you may choose to make extra repayments to complete your loan early.


Rapid Loans
Apply now for a Car Loan
Apply now for a Personal Loan

Katrina, Redan

When it came time to move into a new property, I knew if I saw something I liked, I’d need to come up with the money for a bond very quickly. So when I found my ideal property, I also found Rapid Loans online and it was an even quicker process to get the money I needed for the bond. I’d never borrowed money online before, but if you need cash quickly, I’d recommend Rapid Loans as your first click.

Alex, Sunshine West

I had a few unexpected bills to pay off and I needed a bit of extra cash fast. I couldn’t believe how quick the whole process was with Rapid Loans – from applying for some extra cash to actually getting it in my bank account. Now I can pay off my unexpected bills in my own time, knowing exactly how much my repayments are

Kim, Caloundra

We got to the stage where one car was just not enough for us with everything we needed to do during the week and on weekends. So I applied for loan with Rapid Loans to buy a second car and I couldn’t believe how easy and simple it was to secure the funds we needed. Our repayments are all structured and we know exactly how much we need to pay off and now we have the second car we desperately needed. Would I recommend Rapid Loans to friends or family? Well I already have!

Christina, Mawson Lakes

I needed some money to pay off two smaller loans and part fund a family trip to the Philippines. I was blown away by how fast and efficient Rapid Loans was, always keeping me in the loop during the process and making me feel like I was their only client. A big thank you to Rapid Loans for their excellent service


July 14, 2022

Best Ways to Consolidate Debts

Debt can add up quickly and sometimes before you know it, you may find your financial situation has escalated into stressful territory as you owe money to a number of different people or providers. Paying off multiple debts at the same time can be complicated and challenging but debt is usually a part of life… [Read More]