Need Cash Fast?

Apply online in minutes with Cash Australia and get fast approval, clear terms and practical support every step of the way

Loans from $300 to $5,000

Cash loans available from $300 to $5,000 for eligible applicants.

Employment income

To apply, you need to have regular income from employment.

30 days to 2 year loan terms

Flexible loan terms available from 30 days up to 2 years to suit.

Our Loan Services

Explore our personal cash loan services and find the right loan option for your needs

Fast Cash Loans

Need money urgently? Our fast cash loans offer a simple online application, quick decisions, and clear terms to help you access funds when you need them most.

Bad Credit Loans

Having credit issues does not always mean you are out of options. We look at your current situation to help you find a suitable loan solution.

Small Personal Loans

Borrow only what you need with a small personal loan designed for everyday expenses, short term gaps, and manageable repayments that suit your budget.

Emergency Loans

Unexpected expenses can happen at any time. Our emergency loans are designed to provide fast support for urgent bills, repairs, and other essential costs.

Payday Advance Loans

Short on cash before your next pay? Our payday advance loans can help cover immediate expenses with a simple process and repayments aligned to your pay cycle.

Short Term Loans

Short term loan options can help with urgent expenses, temporary cash flow gaps and everyday financial needs, with clear terms and practical repayments.

Flexible Repayment Loans

Choose a loan with repayment options designed around your budget and lifestyle, helping you stay in control while meeting your financial commitments.

Same Day Loans

Same day loan options can help when you need a fast outcome for urgent expenses, with a simple application process, clear terms and practical repayments.

What our Clients say

Trusted by customers who chose Cash Australia for fast, simple and reliable loan support

      GOOD  
   Based on 25 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Deborah Johnson 
 98 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Cash Australia has assisted me in facial need many of time and have been a regular part of my life for well over 20 years now
  
 
     Posted on Google  
   
   Lisa 
 103 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Always willing to help, and you usually receive the money the same day! Great service 👏
  
 
     Posted on Google  
   
   Adam Totolas 
 104 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I've been with cash Australia for a while now they  are very helpful staff when U need they are always there to help you..
  
 
     Posted on Google  
   
   Daniel Halliday 
 108 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great service very happy
  
 
     Posted on Google  
   
   Catherine Martini 
 108 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely amazing staff and very helpful. I’ve been a customer for about 15yrs and have never had a problem. Always helpful and kind. Definitely always recommend
  
 
     Posted on Google  
   
   Vivian Harwood 
 108 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Thanks so much for your assistance today.  Cash Australia is so easy to deal with, and the staff are great people too!

I would recommend them to anyone who needs some money at short notice and without the hassle.

Keep up the good work.

Kind regards
Vivian
  
 
     Posted on Google  
   
   Ambitious tulip 
 163 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great staff and company to deal with…fast efficient and easy process
  
 
     Posted on Google  
   
   Margaret K 
 977 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I strongly recommend this business. The staff are helpful, friendly and professional and the process is fast and straightforward- if you need cash fast try Cash Australia.
  
 
     Posted on Google  
   
   Margaret K 
 977 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I strongly  recommend this business  - the staff are professional, courteous and very helpful and the process is fast and straightforward.
  
 
     Posted on Google  
   
   Olivia 
 980 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Always helps me when I need very happy customer and so friendly staff all I have spoken to very friendly and happy
  
 
     Posted on Google  
   
   Rachel Nekoranec 
 981 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I've been with them for over 20+ years been a great team friendly staff and a very quick  process to get a loan 👍
  
 
     Posted on Google  
   
   Krimson Lion 
 983 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Amazing stuff friendly and helpful they took the time to explain everything to me
  
 
     Posted on Google  
   
   Jojo 
 983 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Amazing, caring & understanding staff who will go above and beyond to help me out whenever I ask. Interactions are always easy and they have designed the process to be as quick & painless as possible. They take the embarrassment out of having to apply for a loan. Have recommended them to family & friends that have never been disappointed.
  
 
     Posted on Google  
   
   Leah Ensby 
 983 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I am an extremely satisfied customer, cash Australia go above and beyond to try and help me.
I will definitely recommend them to my friends and family that are in need of a quick and easy cash loan! :)
  
 
     Posted on Google  
   
   Carol Morrison 
 1014 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Have been customer over 10 years would definitely recommend. staff at Elizabeth then Salisbury were very friendly and always helpful went above and beyond even when thought outcome would be a no but never been rejected shame they have gone fully online enjoyed  visiting them thanks guys good job especially Ally
  
 
     Posted on Google  
   
   Tania Poropat 
 1015 days ago
 
 
 Trustindex verifies that the original source of the review is Google. An amazing team,always helpful in any way, so easy and hassle free,they don’t waste your time like some of these others out there, Kon and his team go above and beyond, they have a customer for life!!
  
 
     Posted on Google  
   
   Craig Scarce 
 1016 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Have had experience with cash Australia. You won't find anyone better than these guys. Very professional and very good.  Cheers, Craig.
  
 
     Posted on Google  
   
   Michelle Green 
 1020 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Customer service was fanstastic from Cash Australia! The application process was very easy! Would highly recommend!
  
 
     Posted on Google  
   
   Em 
 1021 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Found staff to be very friendly and helpful. Very quick from the moment you apply to the moment youve got the money. Definitely recommend.
  
 
     Posted on Google  
   
   Amy 
 2607 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Recommended. Great customer service, always willing to help where possible.

Why Choose Us

Cash Australia provides fast, simple and reliable personal cash loan solutions with clear terms, helpful support and an easy online application process

Fast

We offer a simple online application process, quick loan assessments and prompt outcomes for eligible personal cash loan applicants. For approved applicants, funding may be available within 24 hours, helping you access money quickly when you need it most.

Affordable

We focus on personal cash loans with manageable repayments, clear loan terms and practical options that better suit your budget. Our goal is to make borrowing feel more straightforward, with repayment structures designed to support everyday financial needs and expenses.

Easy

Applying for a personal cash loan should be simple and stress free. Our online loan application process is convenient, easy to follow and designed to help you apply from your computer, tablet or mobile with less paperwork and fewer delays.

Supportive

Our team provides clear communication, helpful guidance and reliable customer support throughout the personal cash loan application process. We aim to make loan options easier to understand, so you know what to expect and feel supported at every step.

How it Works

Apply online in minutes, complete a quick review, and receive funds fast if approved

Apply OnLine

Complete our simple online application in just a few minutes using your computer, tablet or smartphone. Provide your details, choose your loan amount and submit your application.

Quick Review

We review your information and supporting documents to better understand your situation and confirm the loan amount is suitable for your needs and repayment capacity.

Receive Funds

If approved, you can sign your loan contract electronically and funds may be transferred to your nominated bank account within 24 hours, so you can access money sooner.

Personal Cash Loans

We provide unsecured Small Amount Credit Contracts (SACC) and Medium Amount Credit Contracts (MACC) with clear terms, transparent fees and an easy online application process.

Our personal cash loan application process is designed to make borrowing simpler, with fast support, straightforward communication and a convenient way to apply online wherever it suits you.

Prefer to speak with a team member first? Call us on (08) 8281 9383 during business hours or email loanmanager@cashoz.com

Loan Services Information

Useful information about our loan services, eligibility requirements and application process

Loan fees and charges

Understand personal cash loan fees and charges, including loan amounts, loan terms, establishment fees, monthly fees and repayment examples.

Eligibility requirements

Check the main eligibility requirements for a personal cash loan, including age, Australian residency, employment income and other lending criteria.

Loan terms and amounts

Explore available loan amounts and loan terms for personal cash loans, including flexible repayment periods designed to suit different borrowing needs and budgets.

Document requirements

Find out which documents may be needed for your loan application, including identification, bank statements, payslips and proof of address if required

Latest News from Cash Australia

Updates, insights and helpful information about personal cash loans

FAQs

Answers to common loan questions

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 Benefits?

Unfortunately we cannot assist you.

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://creditsense.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?

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 payment is not made on time?

If you miss or payment is not made on time by you, you will incur fees.

Can I repay my loan early?

Absolutely, you can as much as you like and as often as you like.

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

Unfortunately, you must pay out existing loan first. As part of our commitment to responsible lending, and the legislation that governs our industry, we can’t lend to someone who already has a loan with us. But you can apply again immediately after you have paid out your existing loan.