Need Cash?

Get cashdirect

Need Cash?

Get cashdirect

Express Cash Loans from $200 to $2,000 paid within 60 minutes

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Why thousands of people choose cashdirect

Australian Call Center

Express Cash for CD members

Affordable Repayments

100% Online Loans

Loan Eligibility

Over 18
Australian Resident or Working Visa
Mobile & Email Contact
Regular income with validated bank account

Why Our Customers love us

Our cash loans have helped thousands of people just like you

Small Cash Loans

If the principle amount you borrow is between $200-$2,000 you'll pay:

Establishment Fee: 20% of the loan amount
Monthly loan rate: 4% of the loan amount
Loan Term: 1 to 6 months
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Medium & Large Cash Loans

If you’re a Cash Direct member with a good repayment record, Or you earn over $50,000 and have a good credit record, You can borrow a bit more with our:

Medium Cash Loan – $2,001 to $5000
Large Cash Loan – $5,001 to $10,000
Apply Now For Medium Loans

Frequently Asked Questions

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How much can I borrow?

Start with what you need and making sure it’s an amount you feel comfortable with repaying, based on your preferred loan term. We will then review and may reduce the amount to meet our Responsible Lending guidelines.

Please note, that if > 50% of your income is from Centrelink, you can only borrow an amount where your repayments do not exceed 10% of your income.  Example: If you receive $2,000 per month from Centrelink, your loan repayments cannot be more than $200 per month.

For first time customers, we typically lend a little less, but may consider an increase once you have repaid your first loan.  For example, if you are on Centrelink benefits, you can only borrow $1,000 maximum, but this could go to $2,000 as an existing customer.

For a Centrelink Loan, what is the maximum I can borrow?

If > 50% of your income is from Centrelink, you can only borrow an amount where your repayments do not exceed 10% of your income.  Example: If you receive $2,000 per month from Centrelink, your loan repayments cannot be more than $200 per month.

For first time customer, we typically lend a little less, but may consider an increase once you have repaid your first loan.  For example, if you are on Centrelink benefits, you can typically only borrow $1,000 maximum, but this could go to $2,000 as an existing customer.

How much will my loan cost for a Small Loan?

A simple way of reviewing this is to look at the schedule.  Add up all your loan repayments and compare that to the amount loaned.  This will give you the dollar figure if you paid out to schedule.

For our small loans, your costs are simply calculated against the initial loan amount:
20% Establishment Fee
4% Monthly Maintenance Fee

Example for $500 Small Loan over 4 months
Establishment Fee: $100 Monthly
Maintenance Fee: $20
Total cost: $180

What else do I need to provide in my application?

New Customer:

We do ask a bit upfront to get you started.  You’ll fill out our online application which takes just a few minutes.  To get started we also require:

Upload a 90-day bank statement showing evidence of your income and budget

If you receive Centrelink benefits, you will also need to upload your Centrelink Income Statement in the same process

We will need you to provide a copy of some ID, like a driver’s licence, Medicare card or passport

We will do a short onboarding call with you to get you set up, and may ask for additional information if necessary, for the approval process


Existing Customer:

Not much, because we have it all pretty much.
We will do an update of your latest bank statement, which we can help you do online

Can I upload or email my bank statements?

Yes. When you complete your application, you will receive instructions on how you can supply your bank statement. If you need help, just email us at customerservice@cashdirect.com.au

Frequently Asked Questions

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Need Help?

Cash Direct is a 100% Online lender. While we don’t do applications over the phone, we have a We Help focus. Got questions? Our friendly team is here to help!

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