With flexible terms and manageable repayments, our loans can help make the things you want possible.
Our short-term loans cover any amount between $50 up to $5,000*, with a maximum term of 24 months depending on the product. Our short-term Cash Advance loans can be repaid in a matter of weeks, whereas short-term Small and Medium Personal Loans can be repaid over months.
We approved over 274,000 cash loans for our Australian customers in 2024 alone.
Our loan application process is easy, whether you choose to apply online or in-store and funds are transferred to your bank within minutes once the loan offer is accepted.
Explore all our online and in-store loans options or apply now for a Personal Loan or Line of Credit.
We don’t judge. We review every application, no matter your credit history, whether you think it’s good or bad.
You can apply for a personal loan online, in-store or on the My Loans app. The application process is easy and only takes a few minutes.
Once your loan application is approved and loan offer accepted, the funds are transferred to your bank within minutes.
Keeping track and managing your personal loan repayments is easy with our My Loans app.^
^Excluding Cash Advance
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.
Loan Amount
Loan Term
Fees
Method of Payment
How do I apply?
$2,050 - $5,000*
4 - 24 months
Funds transferred to your bank within minutes once loan offer accepted
$400 - $2,000
2 - 12 months
Funds transferred to your bank within minutes once loan offer accepted
$50 - $2,000
4 - 20 weeks
Cash on the spot in-store**
$400 - $5,000
Funds transferred to your bank within minutes once loan offer accepted
*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.
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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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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If approved, the cash is transferred directly to your nominated bank account within minutes.
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.
Apply in-store or online
for up to $2,000 over a
2 to 12 month term.
Apply in-store or online for
between $2,050 and $5,000*
over a 4 to 24 month term.
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. |
A Short-Term Loan is a great quick fix when it comes to urgent, time sensitive, or unexpected bills. Sometimes, things come up last minute and a little financial help can go a long way. While these are just a few examples, here is what short term loans are useful for:
If you are receiving Centrelink payments you could qualify for a Cash Converters loan, however the majority of your income must be from an employer.
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.
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 12 months.
For more information view our Frequently Asked Questions.
A Cash Advance Loan is a cash loan paid back over 4-20 weeks.
With Cash Advances you can borrow any amount from $50 to $2,000 in-store and walk out with cash.
Short-term Loans are small loans that have a longer term than a Cash Advance.
With a Short-Term Personal Loan, you can borrow $400-$5,000* and it can be repaid over 2-24 months.
With a Line of Credit, you can borrow $400 - $10,000 and it can be repaid over 18 months for up to $2,000 and 36 months for $2,001 or over.
At Cash Converters, we take our lending responsibilities seriously.
Do you want to talk to someone about your options? Visit your closest store and talk to one of our experienced staff member.
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.
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.
Complete our online form and we'll get back to you shortly. Or, get in touch with your local store.
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
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.
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