Cash Loans

Who is eligible for a Cash Loan?

Whether online or in-store, we assess each application in person so a human, not a computer, assesses your cash advance or personal loan application. So, depending on affordability, you may still be able to get a loan, even if you have less than perfect credit history.

Cash when you need it.
What are you waiting for?

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  • I’m an Australian Resident
    To apply for a Personal Loan, you need to be an Australian resident. Non-resident Australians can apply for a Cash Advance loan in-store.
  • I’m over the age of 18
    To be eligible to apply for a Cash Loan, you have to be over the age of 18 years old.
  • I’m not currently in Bankruptcy or a Part 9 Debt Agreement
    If you are currently in a Part 9 debt agreement or currently in bankruptcy we are unable to process your loan application. However, if you have previously been in a Part 9 debt agreement which has been successfully discharged, we will assess your application on your current situation.
  • I’m currently employed or receive Centrelink benefits
    If you are receiving Centrelink payments you could qualify for a Cash Converters loan, however your total repayments for all of your loans can't be more than 20% of your Centrelink income.
  • I have taken out two small loans* in the last 90 days, can I still apply?
    If you have had 2 or more small loans within a 90 day period, you may still be eligible to apply based on affordability and your individual financial circumstances.
    *A small loan (Small Amount Credit Contract or SACC) is a loan up to the value of $2000 with a repayment period of 16 days to 1 year.

What we need from you:

  • The latest 90 days of your bank account transaction history for the account your income is deposited into
  • Identification details (i.e. Drivers licence)
  • A current Income Statement if you receive a Centrelink payment

 

If you meet the criteria above, get started with your Cash Loans application now.

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More information view our Frequently Asked Questions.