Apply for a fast cash loan online or in-store


At Cash Converters, you can apply for a cash loan fast and online. From the moment you apply, we make the process as quick and simple as it possibly can be.

Whatever your need might be, our friendly Personal Finance Team will help give you the information you need so you can make a decision on what is right for you.

We approved over 274,000 cash loans for our Australian customers in 2024 alone.

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Fast Cash Loan Option #1: Cash Advance loans

  • Apply at participating Cash Converters stores in Australia
  • Applications only take only a few minutes
  • No credit checks
  • If your application is approved, leave with cash on the spot
  • Our Cash Advance loans range from $50 to $2,000 and are typically repaid over a short period around 4 - 20 weeks. If you need repayments to occur over a longer amount of time, our Small or Medium Personal Loans might be of interest.

Fast Cash Option #2: Personal Loans

  • Apply for a loan online or in-store
  • Quick cash loan application that takes less than 10 minutes
  • Funds are transferred to your bank within minutes, once the loan offer is accepted
  • Our Small LoansMedium Loans and Line of Credit Loans range from $400 to $5,000* and are typically repaid over 2 to 36 months

  

Why apply for a personal loan with us?

We review all application even if you think you have a bad credit history

We give you a fair go

We don’t judge. We review every application, no matter your credit history, whether you think it’s good or bad.

Easy to apply

Easy application

You can apply for a personal loan onlinein-store or on the My Loans app. The application process is easy and only takes a few minutes.  

Funds received in minutes

Get your approved funds in minutes

Once your loan application is approved and loan offer accepted, the funds are transferred to your bank within minutes.

Manage your loans with the My Loans App

Manage your loan on the My Loans app  

Keeping track and managing your personal loan repayments is easy with our My Loans app.^

^Excluding Cash Advance

  

We’re a responsible lender  

We’re committed to responsible lending, we take a close look at the information and documents you provide to ensure you can afford it. We offer cash loan solutions to meet your needs and situation to help you get on with your life.

If you're ready to start, let's get going with your online application.

Cash Converters Staff Member Running Through Conditions with Customer

  

Who is eligible for a fast cash loan?

Eligibility criteria for a loan

Eligibility for a Cash Advance, Small and Medium Loan

  1. You are an Australian Resident or hold an appropriate Working Visa
  2. You are over the age of 18
  3. You are not currently in bankruptcy or a Part 9 Debt Agreement

Eligibility for a Line of Credit Loan

The same eligibility conditions mentioned earlier also apply for a Line of Credit loan. You also must be an existing Cash Converters personal finance customer.

Subject to eligibility and lending criteria being met and personal circumstance being assessed. View FAQ below for additional personal circumstances criteria. 

  

Discover our loan options

Loan Amount

Loan Term

Fees

Method of Payment

How do I apply?

Loan Amount

$2,050 - $5,000*

Loan Term

4 - 24 months

Fees
  • $400 establishment fee*
  • Interest rate of 48% per annum
  • No early repayment fee
Method of Payment

Funds transferred to your bank within minutes once loan offer accepted

How do I apply?
Loan Amount

$400 - $2,000

Loan Term

2 - 12 months

Fees
  • 20% establishment fee
  • 4% flat monthly fee
  • No early repayment fee
Method of Payment

Funds transferred to your bank within minutes once loan offer accepted

How do I apply?
Loan Amount

$50 - $2,000

Loan Term

4 - 20 weeks

Fees
  • 20% establishment fee
  • 4% flat monthly fee
  • No early repayment fee
Method of Payment

Cash on the spot in-store**

How do I apply?
Loan Amount

$400 - $5,000

Loan Term
  • 18 months for up to $2,000
  • 36 months for $2,001 or over
Fees
  • No establishment fee
  • Interest rate of 48% per annum
  • No early repayment fee
Method of Payment

Funds transferred to your bank within minutes once loan offer accepted

How do I apply?

*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan.

**Only available at participating stores.

Please see our Target Market Determination for more details.

  

How to get a quick loan

Step 1 icon

Apply online or in-store

It only takes up to 10 minutes to apply for a cash loan online. You can also visit your local Cashies store to apply in person and chat to one of our friendly team.

If you are an existing Cash Converters personal finance customers and eligible for a Line of Credit, apply via My Loans or in-store.

For a Cash Advance, you can apply in person at participating stores only. 

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Step 2 icon

Check and confirm

We’ll validate the information that you have submitted to make sure we’re lending you the right amount and it meets your needs.

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Step 3 icon

Approval

If approved, the cash is transferred directly to your nominated bank account within minutes.

  

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Discover fast cash loans options

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Small Loan

Apply in-store or online
for up to $2,000 over a
2 to 12 month term.

Find out more

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Medium Loan

Apply in-store or online for
between $2,050 and $5,000*
over a 4 to 24 month term.

Find out more

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Line of Credit

If you’re an existing Personal Finance customer you can apply to access up to $5,000 and request a redraw from an approved credit limit.

Find out more

  

What can a quick loan be used for?

Family moving home with dog

While you can use cash loans to cover anything, many of our customers often look to borrowing cash for these reasons:

  • Small medical emergency bills like dental bills
  • House bonds and moving house cost
  • Urgent house repairs
  • Urgent car repairs or parts replacements
  • Urgent white good repairs like your fridge, washing machine or heaters
  • Back to school expenditures like school uniforms, books or activities
  • Vet bills
  • Weekend plans
  • Other approved personal reasons.

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Frequently Asked Questions about our fast cash loans

  • What are additional eligibility and lending criteria that might apply to my personal circumstances?

    1. What if I'm receiving Centrelink payments?
    If you are receiving Centrelink payments you could qualify for a Cash Converters loan.

    2. I have taken out two small loans* in the last 90 days, can I still apply?
    If you have had two or more small loans within a 90 day period, you may still be eligible to apply based on affordability and your individual financial circumstances.

    3. What if I have existing small loans?
    If you have existing small loans you could still qualify for a Cash Converters loan, however your total repayments for all your small loans can’t be more than 10% of your net income.

    *A small loan is a loan up to the value of $2,000 with a repayment period of 2 months to 1 year.

  • What we need from you when you apply for a quick loan

    • Access to the latest 90 days of your bank account transaction history for all the accounts held in your name (you don't need to print these out, you just need to login to your internet banking when applying online or in-store).
    • A current Income Statement if you receive a Centrelink payment.


      For more information view our Frequently Asked Questions.

  • I think I have a bad credit history, can I apply for a Loan at Cash Converters?

    Although a good credit score will improve your chances of approval, we understand that people go through rough patches in life. That’s why our loans make getting on with life possible in a lot of circumstances. Even if your credit score isn’t as high as you would like, we can still consider your application and assess it based on your current financial circumstances, as we consider a variety of factors when approving a cash loan application.

    Our Cash Advance Loans do not take your credit history into account and won't affect your credit score.

  • Is there a credit check?

    We do credit checks for Personal Loan and Line of Credit applications only. This will leave a general finance inquiry on your credit file. However, as long as your current financial situation is stable, we will consider your loan application.

  • How fast can I get my loan approved?

    Though we don’t offer instant approval, the sooner we have all the documentation we need to determine if a loan is suitable, the quicker you will have a result. Funds are transferred to your bank within minutes once the loan offer is accepted.

  • Any other questions about a fast cash loan application?

    If you have any other questions or need any more information about a fast cash loan, call 13 CASH (132 274) and speak with one of our team members. Otherwise, pop into your local Cash Converters store and speak with one of our friendly staff members.

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Other ways we can help

How to Apply For a Loan

Applying for a Cash Converters personal loan online takes a few minutes.

Find out more

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Sell to us

We pay cash on the spot for items of value that you no longer use like a guitar, computer, jewellery, smart phones, tool sets and more.

Find out more

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Come and visit us

With over 150 stores across Australia, we're always here to help. Find your local Cashies today.

Find your local store

  

Need help? Get in touch today

Contact us icon - Phone Icon

Call us

Give us a call on 13 CASH (132 274)
Mon to Fri: 9:00am to 7:00pm AEST

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Contact us

Complete our online form and we'll get back to you shortly. Or, get in touch with your local store.

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Email us

Send us an email and we'll get back to you as soon as we can.

  

Responsible Lending

We’re responsible lenders and we want to make sure our customers are at the heart of everything we do to help find the right cash solution to make life possible.

We'll take a close look at the information and documents you provide us - including details of why you need the cash loan and how much you need to borrow, plus things like 90 days of bank statements, any existing credit card debt, and a careful assessment of your living expenses.

We do all this to ensure your cash loan is suitable, and meets your specific needs and situation to help you get on with your life. If you have any questions about your application and how we assess, talk to one of our personal finance team members

Fee Disclosures

Our Cash Advance Loans incur a 20% establishment fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $100 over 4 weeks has fees and charges totalling $24 (1 x $20 + 1 x $4), resulting in a total repayment of $124. Cash Advance Loans are only available in-store with a minimum loan term of 4 weeks. The minimum term is 4 weeks and a maximum of 20 weeks.

Our Small Personal Loans incur a 20% establishment fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 9 months has fees and charges totalling $560 (1 x $200 + 9 x $40), resulting in a total repayment of $1,560. The minimum loan term is 2 months and a maximum of 12 months.

Our Medium Personal Loans incur a $400 establishment fee and interest at 48% per annum. For example, a medium loan of $3,000 repaid by monthly payments over 1 year would equate to a total amount payable of $4,348 (including a $400 establishment fee). The minimum loan term is 4 months and a maximum of 24 months.

Our Line of Credit product does not incur an establishment fee and interest is at 48% per annum. For example, a line of credit of $4,000 repaid by monthly payments over 3 years would equate to a total amount payable of $7,616. The maximum repayment term for a credit limit of up to $2,000 is 18 months; and the maximum repayment term for a credit limit over $2,000 is 36 months. This example has been calculated on a specified credit limit with the assumption that the debtor has drawn down the maximum amount of credit as agreed to under a contract.

Our loans are repayable in weekly, fortnightly or monthly instalments. Loans can be settled early with no penalty and fees will only be charged whilst there is an outstanding balance on the loan, hence early settlement will reduce the amount payable on the loan. Loans are subject to assessment criteria and suitability. An APR (Annual Percentage Rate) does not apply to our Cash Advance Loans or Small Personal Loans. The maximum APR on our Medium Personal Loan is 144.02% and the maximum APR on our Line of Credit is 48%. These calculations do not account for potential additional fees and charges, such as default charges, which may be incurred.