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 Loans from $100 to $5,000

100% Unsecured - No collateral required!

Same day loan approvals

30 days to 24 month loan terms


 

Personal Cash Loans

Cash Australia provides small loan advances on your income over a short term.

FAST

Same-day approval, funding possible within 24 hours.

AFFORDABLE

Cash-flow friendly repayments and loan terms.

EASY

Simple, fast and convenient 100% online application.

EXPERT

Years of experience means we understand lending.

Cash Australia

Small & Medium Cash Loans

Cash Australia, a wholly owned Australian company, was established as an online service for people who could not access funds from existing lending and banking institutions.

We provide unsecured, Small Amount Credit Contracts (SACC) and Medium Amount Credit Contracts* (MACC). You will find our terms and conditions clear, precise and easy to understand and manage. No hidden fees!

Cash loans are short term financial solutions for all variety of purposes and all types of people.

The application process is simple and hassle free, whether at home or at work, on the go, or even if you are on holidays! And our dedicated loan assessment team will provide you with a personalised service that is quick and efficient.

Prefer to talk to a team member first, no problems! Give us a call on (08) 8281 9383 during normal business hours or email loanmanager@cashoz.com

*Note: MACC loans are only available through our online application system, not in store.

HOW IT WORKS

PRODUCT INFORMATION

Cash loans are short-term financial solutions for all kinds of purposes, and all kinds of people, even if you have a history of bad credit.

You can borrow $100 to $2,000 through a Small Amount Credit Contract (SACC). A SACC loan has a term of between 16 days and 12 months. SACC’s are unsecured loans. You can borrow $2,001 to $5,000* through a Medium Amount Credit Contract (MACC). A MACC loan has a term of between 30 days and 24 months. MACC’s are unsecured loans.

Don’t wait - get started today by completing our Online Application or by calling (08) 8281 9383 - we’re ready to help you right now!

  


Eligibility Requirements

You may be eligible for a loan if you:

Are over 18 years of age?

Are a current Australian resident?

Have a steady income, Centrelink included?

Get paid directly into your bank account?

Are not currently a bankrupt or under a Part IX Debt Agreement?

 

Document Requirements

The following documents are required as part of the loan process:

The last 90 days of your bank account transaction history.

Your Drivers Licence and current Medicare card number.

Your last two payslips.

A current income statement if receiving a Centrelink payment.

Loan Fees & Charges

 

Small Amount Credit Contracts
(SACC Loans)

Fees and charges are as follows:

Establishment fee is 20% of the amount borrowed

Monthly loan fee is 4% of amount borrowed.

 

Medium Amount Credit Contracts*
(MACC Loans)

Fees and charges are as follows:

Establishment fee of $400

Monthly loan fee is 4% of amount borrowed.

*Note: MACC loans are only available through our online application system, not in store.

Every application will be assessed on an individual basis. So even if you have a poor credit history, or have been declined in the past you may still qualify.


FAQs

What if I have bad credit?

We assess every case on an individual basis, so even if you may have a bad credit history, we will consider your current financial circumstances along with your application.

What if I am bankrupt or Part IX Debt Agreement?

Unfortunately we cannot assist you if you are currently bankrupt or under a Part IX Debt agreement.

What if the majority of my income is from Centrelink?

People receiving Centrelink payments can qualify for a loan, as long as your repayments are not more than 20% of your Centrelink income.

Is there a credit check?

Yes there may be a credit check. However, as long as your current financial situation is stable, we will consider your loan application.

Is there an employment check?

Dependent on your current employment situation, we may be required to do an employment check.

What documents do I need to supply?

To enable your loan application to be assessed, you are required to send through 90 days of bank statements (up to today’s date).

The bank statement must relate to the bank account where your income is deposited and where all of your transactions take place (this may be more than one bank account).

How do I submit my bank statements?

The simplest way to send us your bank statements is through our online service at http://bankstatements.com.au. It collects your information directly and securely from your internet banking and automatically sends the required 90 days of bank statements to Cash Australia.

How do I get paid and how fast?

We aim to have all loans funded within 24 hours. The actual time for the money to appear in your account depends on who you bank with and their processing times. All this depends how fast you can provide the required information and what time of the day you submit your application.

Note: All applications submitted after 3pm AEST will be processed the next business day.

If I am an existing client, do I need to fill in my details again?

When you receive your first loan, you will be issued a username and password to log-in as an existing customer. Your details from your previous application will be available to review and confirm if there are any changes.

You will still be required to provide the necessary documentation, bank statements, payslips, and/or Centrelink income statement.

How much do I still owe on my current loan?

Contact us so we can advise you of the balance or alternatively log-in with your details and check online.

When can I apply for another loan?

We have strict guidelines which apply to the assessment of every loan and this includes limits on the number of loans a customer can have at one time.

What is a SACC and MACC?

A SACC is a Small Amount Credit Contract which is defined in the National Consumer Credit Protection Act (NCCP Act) as being a loan amount of no more than $2,000, set up to be repaid over a term of not less than 16 days and not more than one year.

A MACC is a Medium Amount Credit Contract which is defined in the National Consumer Credit Protection Act (NCCP Act) as being a loan amount of between $2,001 and $5,000, set up to be repaid over a term of not less than 16 days and not more than two years.

How do I make repayments?

Repayments are debited directly from your nominated bank account.

What if I miss a payment or want to defer a payment during my loan period?

If you miss or we agree to defer a schedule payment for you, you will incur fees.

Can I repay my loan early?

Absolutely, you can much as you like as often as you like without penalties.

What if I need a few extra dollars during the loan period?

Sorry, under the current legislation you must pay out your existing loan first.

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