Kwoom is the cheaper, faster and fully online alternative to traditional cash advances and payday loans. We provide small cash loans up to $800 at the best rates Australia-wide. (That means around 40% less than most of the competition). So whether your phone bill's due or you need cash fast to cover an unexpected night out, if you have a regular income and a good credit history then you'll likely be good to go. That's what we're talking about when we say we're sending money , your way.