Personal cash loans Australia

A personal cash loan is an amount of money an individual requires to meet a short term financial need. At Cash Australia we find the most common reason people take out a loan with us, is simply that their pay cycle did not coincide with a purchase or payment they need to make. For example, someone might get paid at the end of the month, but it’s the 20th day of the month and they need an advance on their pay to pay for emergency plumbing. For the most part that’s the best way to categorise the loan services that we offer, they’re like an old fashion advance on your pay.

Now, in an ideal world, we would all like to be able to budget precisely and cover every payment we need to make. But as we all know, at times we can get caught out and suddenly we need to access extra funds at the drop of a hat. It can be something as simple as: you have a road trip booked and paid for with your family in two week’s time. But suddenly this morning the car wouldn’t start, and your mechanic has told you it’s a $600 dollar job? What do you do? Cancel your holiday accommodation, and the time you’ve booked off as holidays from work? Or do you simply jump online with us and have the money sitting in your account within 24 hours, plus a little extra for your holiday?

At Cash Australia we have a loan structure we can tailor to your needs.

Now a couple of things right off the beater. If you do log on and start an application with us, the first thing you’ll see is a notification around responsible borrowing. This is a government requirement to have on our site, and we have it front and centre because we take our responsibilities to you as a lender very seriously. We see our role as helping solve immediate cash related problems, often for people that have been knocked back by other lending organisations. Over the years we’ve had thousands of happy and satisfied returning clients, and we count them as loyal customers chiefly because we do the right thing by them at every turn. We are very careful not to over extend loan amounts to folks that they might have difficulty in paying back—and that’s our promise to you.

Ok so you’re ready to apply for a Cash Australia loan, let’s walk you through it.

When filling out our online contact form make sure you request a the actual amount you feel you need. For example say it’s for a DIY project, make a quick list of your costs and remember that timber that was on sale last week might not be this week, so make sure you have made some allowance for unforeseen costs.

If you don’t see the purpose of your loan appear in our list just tick “other”. We will contact you to verify what the funds are for. Once you’ve filled out that first page you’ll be able to continue on to the application. If you get stuck, or have any difficulty with any section at all. Just call us on (08) 8281 9383 or email us at One of our helpful team members will be able to get you back on track in a jiffy.

If you don’t own or have access to a smartphone, tablet, PC or laptop, or can’t connect to the internet, don’t worry, we’ll also be able to work around this too. Getting the idea that we’re here to help? Good, because that’s our whole mission!

Similarly don’t worry if you think you might have a less than perfect credit score if we do a check on you. We operate and make our decisions well and truly in the present, not the past, and that’s what we’ll be examining any loan application from you on—its merits.

If you have a current loan with us, and are thinking about applying for another. You can always check your balance amount by logging into your secure customer portal or contacting us direct.

Once your loan with Cash Australia has been approved, depending on your bank, your funds can be available within 24 hours. Your loan repayments will also be directly debited from your nominated account. So you don’t need to worry about remembering any dates or doing anything manually. At Cash Australia we’ve honed our processes over years of successfully looking after our clients and we’d like to count you as one of them.

Need cash fast?

Apply online NOW with fast approval

WARNING: Do you really need a loan today?​

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink

The Government’s MoneySmart website shows you how small amount loans work and suggest other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009*