Rating based on 10 reviews

Cash Australia

  • Payday loans up to $5,000
  • Same-day Approval
  • Repayment up to 24 months

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Cash Australia homepage
Author Cash Australia. Screenshot of Cash Australia website.
[Accessed July 24, 2023]

About Cash Australia

Cash Australia is a leading lender in the payday loan industry, providing online payday loans that are quick, convenient and affordable.

With the evolving landscape of payday loans, Cash Australia has embraced the shift towards online processes, positioning itself as a pioneer in the industry.

Streamlined operations and competitive rates

This move to online applications and approvals has allowed Cash Australia to streamline its operations, resulting in cost savings that are passed on to you in the form of highly competitive rates and low fees.

As a result, they’ve managed to significantly reduced application, approval, and loan transfer times, benefiting you and establishing themselves as industry leaders.

Convenient and accessible online services

Fulfilling the urgent payday loan needs of busy customers

This transition to online services aligns well with the needs of Cash Australia's customers, who often lead busy lives, balancing work and family responsibilities.

Understanding their clients' preferences has allowed this lender to make all their services fully accessible online, ensuring that you can apply, get approved, and receive your loans without the need for direct communication or limitations due to only being available during business hours.

Access anywhere, anytime

Cash Australia recognises the importance of accessibility, allowing you to access their services from any location with an internet connection.

Whether using a smartphone, laptop, PC, or tablet, you can apply and be approved for one of their urgent payday loans quickly and easily.

Whether you're a sales representative on the road, a parent watching their kids at soccer practice, or a volunteer, as long as you have a moment to spare in your schedule, you can access Cash Australia's loan services and potentially have the funds deposited into your account within 24 hours.

Transparent and responsible lending worthy of respect

Cash Australia upholds transparency and responsible lending practices, giving you peace of mind when obtaining a payday loan.

They provide clear and concise information about their fees, charges, and repayment terms upfront, so you know exactly what to expect. With their commitment to responsible lending, they assess your financial situation and repayment capability to ensure you make informed borrowing decisions.

Personalised assistance and contact options

Support for digital and non-digital customers

While Cash Australia primarily operates online, they understand that not all customers may be comfortable with or have access to digital platforms. In such cases, their friendly and helpful staff are available for assistance over the phone.

They offer face-to-face meetings for those who prefer a more personal approach.

Cash Australia Services

Cash Australia offers loans ranging from $500 to $2000, designed to cater to various needs, from a weekend getaway to home renovations and everything in between.

These loans are 100% unsecured, meaning there’s no need to provide collateral or security. Meeting the approval requirements is straightforward, as you only need a regular income with at least 50% derived from employment.

They offer flexible loan terms ranging from 30 days to 12 months, providing options for those who prefer smaller repayments spread out across a longer term.

Urgent payday loans from Cash Australia

Catering to diverse financial needs

Cash Australia’s payday loans of up to $2000, cater to the financial needs of everyday Australians, including those seeking urgent payday loans.

These loans are unsecured, meaning you’re not required to provide collateral or security items. To meet approval criteria for urgent payday loans, you need a regular income, with at least 50% derived from employment.

They offer flexible loan terms, ranging from 30 days to 12 months, so they can help you out no matter what your needs and circumstances may be.

10 really good reasons to choose Cash Australia

  • Apply for payday loans quickly and conveniently online, saving time and eliminating paperwork.
  • Access loans anytime, anywhere, using smartphones, computers, laptops, or tablets.
  • Enjoy affordable payday loans with competitive interest rates and minimal fees.
  • Experience accelerated timelines from application to approval and fund transfer.
  • Get unsecured loans without the need for collateral or security.
  • Choose repayment periods ranging from 30 days to 12 months to suit your financial situation.
  • Friendly and knowledgeable staff available to provide support over the phone.
  • Receive funds within 24 hours of approval to address urgent financial needs.
  • Transparent fees and charges with no surprises along the way.
  • Dedicated to providing a positive customer experience through simplified processes and helpful customer service.

Need more than a payday loan offers?

In addition to payday loans, Cash Australia also offers two other types of loans to cater to different financial needs.

Get up to $5,000 with a MACC loan

One type of loan available is called Medium Amount Credit Contracts (MACC Loans), which offer borrowing options from $2,001 to $5,000. The repayment terms for these loans are flexible, ranging from 30 days to 24 months. Borrowers are required to pay an establishment fee of $400, along with a monthly loan fee of 4% based on the borrowed amount.

Access $20,000 with an AOCC loan from Cash Australia

Cash Australia provides All Other Credit Contracts (AOCC) as an option for those in need of larger loan amounts. AOCC loans allow you to borrow between $5,001 and $20,000. The repayment period for these loans can be extended up to 5 years, providing you with a more flexible timeframe to repay the loan. Competitive fees and charges are associated with AOCC loans, including fixed interest rates capped at a maximum Annual Percentage Rate (APR) of 48%. These loans are secured primarily by utilising your motor vehicle as collateral.

Cash Australia – Payday loan

  • Loan Type Payday loans
  • Loan Amount up to $5,000
  • Repayment 30 days to 24 months

Benefits of Cash Australia

  • Quick online loan application
  • Flexible repayment terms
  • Affordable loan options

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Your comprehensive guide to applying for urgent payday loans with Cash Australia

Applying for a payday loan with Cash Australia is a straightforward process designed to provide you with swift financial assistance.

To ensure a seamless application experience, it's essential to understand the eligibility requirements and the documents required for the application and so they’ve summarised everything you need to know below.

How to navigate through the payday loan application process with ease

Eligibility requirements

  • You must be at least 18 years old to be eligible for a payday loan with Cash Australia.
  • The loan services are available only if you’re an Australian resident who can provide proof of your current address.
  • A regular income is a crucial criterion for loan approval. You need to demonstrate that you have a stable source of income, with at least 50% derived from employment.

Documents required

  1. You must provide a valid form of identification, such as a driver's license, passport, or government-issued ID card. This helps verify your identity and age.
  2. To confirm residency, you’re required to submit a document that displays your current address. This can be a utility bill, bank statement, or any official document issued within the last three months.
  3. Cash Australia requires proof of income to assess your ability to repay the loan. Acceptable documents for income verification may include pay stubs, bank statements showing regular deposits, or tax documents.

The quick online loan application process

  1. Cash Australia's online application process is designed for convenience and efficiency. Visit the official website and fill out the online application form, providing accurate personal and financial information.
  2. During the application, you’ll specify the desired loan amount within the range of $500 to $2000, as well as select the preferred loan term, ranging from 30 days to 12 months.
  3. As part of the application process, you’ll be prompted to upload the required documents mentioned earlier. It’s essential to ensure that the documents are clear and legible to facilitate the verification process.
  4. Once the application is submitted along with the necessary documents, Cash Australia's dedicated team will review the information provided. This review process typically takes a short period, and you’ll promptly be notified of the approval decision.
  5. Upon approval, the loan amount will be disbursed to your bank account. Depending on your banking institution, the funds may be available within 24 hours.

By adhering to the eligibility requirements, submitting the necessary documents accurately, and following the application process, you can maximise your chances of obtaining a payday loan from Cash Australia.

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Cash Australia is a trusted & reliable provider of payday loans

In our review, Cash Australia adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Cash Australia is a registered credit provider in Australia: ACL 386209

Customer Reviews & Testimonials

March 2023

I needed some extra cash to cover unexpected expenses, and Cash Australia came through for me. Their payday loan process was fast and convenient. I completed the online application in minutes, an...

Charlie R
— Perth —

May 2023

I have used Cash Australia for payday loans on multiple occasions, and they have never let me down. Their application process is simple and user-friendly. I appreciate that they consider applican...

Addison H
— Canberra —

April 2023

I highly recommend Cash Australia to anyone in need of a payday loan provider that values transparency and customer satisfaction.

David T
— Melbourne —

Cash Australia Contact

Physical Address

Opening Hours

  • Monday 09:30 – 16:30
  • Tuesday 09:30 – 16:30
  • Wednesday 09:30 – 16:30
  • Thursday 09:30 – 16:30
  • Friday 09:30 – 16:30
  • Saturday – Closed
  • Sunday – Closed