Get Your Quick $700 Cash Loan Now

Your Credit History Won't Stop You Getting $700

Cash Direct specializes in $700 cash loans with no credit check required. We understand that when you need $700 fast for urgent bills, car repairs, or unexpected expenses, your past credit mistakes shouldn't prevent you from getting help today.

Whether you've been declined by banks, have defaults on your credit file, or simply have poor credit history, Cash Direct focuses on one thing: your ability to repay the loan now not what happened in your financial past.

Our $700 no credit check loan is designed specifically for everyday Australians who need quick financial relief without the stress of traditional credit checks. Apply online in just 5 minutes and get a decision within hours, not days. Learn more about our small cash loans designed for your needs.

Key Benefits:

Why Choose Cash Direct for Your $700 No Credit Check Loan?

For over 10 years, Cash Direct has helped thousands of Australians access emergency cash when they need it most. Our $700 loans are designed for people with lower incomes, part-time workers, casual employees, and those receiving Centrelink benefits.

For over 10 years, Cash Direct has helped thousands of Australians access emergency cash when they need it most. Our $700 loans are designed for people with lower incomes, part-time workers, casual employees, and those receiving Centrelink benefits.

1. No Credit Check - Bad Credit OK

Unlike traditional lenders who automatically reject applicants with poor credit, our $700 no credit check loans focus on your current financial situation. We don't perform hard credit checks that damage your credit score further. Instead, we assess:
✓ Your regular income (employment, Centrelink, pension)
✓ Your bank statements from the last 90 days
✓ Your current ability to afford repayments

This means previous defaults, bankruptcies, or late payments won't automatically disqualify you from getting the $700 you need today.

2. Fast Approval Process

When you need $700 urgently, waiting days for a decision isn't an option. Our streamlined application process is built for speed:
- 5 minutes to apply - complete our simple online form from your phone or computer
- 2-hour decision time - most applications reviewed and decided within hours
- Same-day funding possible - apply before 3 PM on business days for potential same-day approval and instant transfer via OSKO

3. Simple, Straightforward Requirements

Getting a $700 no credit check loan with Cash Direct requires just four things:
- Valid Australian ID - driver's license, passport, or Medicare card
- Regular income - from employment, Centrelink benefits, or pension payments
- Australian bank account - where we can deposit your $700
- 90 days of bank statements - showing your income and expenses

That's it. No complex paperwork, no credit history requirements, no guarantor needed.

4. Transparent Fees - No Hidden Costs

Our $700 loans are regulated under Small Amount Credit Contract (SACC) legislation, which means fees are capped and clearly disclosed upfront:
- 20% establishment fee - one-time $140 fee on a $700 loan
- 4% monthly maintenance fee - charged only while the loan remains outstanding
- No early repayment fees - pay off your loan early and save on fees
- Late payment fees may apply - only if you miss scheduled repayments

Use our small cash loan calculator and pay day loan calculator to estimate your specific repayment amounts.

5. Flexible Repayment Options

We understand everyone's income schedule is different. That's why our $700 no credit check loans offer repayment flexibility:
- Weekly repayments - ideal for those paid weekly
- Fortnightly repayments - matches most Centrelink payment schedules
- Monthly repayments - suits monthly salary earners

Repayments are automatically deducted on your chosen schedule, making it easy to stay on track. Plus, you can repay early without penalty to reduce your total fees.

Perfect for Centrelink Recipients and Pensioners

Cash Direct welcomes applications from Centrelink recipients who need a $700 no credit check loan. We understand that people on government benefits often face rejection from traditional lenders, which is why we've designed our loans specifically for:
✓ Age Pension recipients - retirees who need emergency cash
✓ Disability Support Pension - NDIS participants and disability pensioners
✓ Jobseeker/Unemployment benefits - those between jobs who need help
✓ Carer Payment - carers who need financial assistance
✓ Youth Allowance - young Australians studying or job-seeking
✓ Family Tax Benefits - parents managing unexpected expenses
✓ Other Centrelink payments - most regular Centrelink income accepted

As long as you receive regular Centrelink payments into your bank account, you can apply for a $700 no credit check loan with Cash Direct. We assess each application based on your current income, not your past credit history. Explore our dedicated Centrelink loans page for more information.

First-Time Applicants on Centrelink

If you're applying for the first time and receive lower-income Centrelink benefits, your initial loan may be capped at $500 or less. This helps ensure the loan is affordable based on your income level. Once you establish a good repayment history, you'll be eligible for larger amounts up to $2,000.

Hit a little snag?

Life happens. Sometimes you just need $700 to get through.

Everyone faces unexpected expenses. You might not have family or friends who can help, no credit card to fall back on, or time to wait for a traditional bank loan. At Cash Direct, We Help, and our $700 no credit check loans are specifically designed for situations like yours.

For over 10 years, we've provided fast cash loans to:
- People with lower incomes who can't access traditional credit
- Part-time and casual workers with irregular income
- Job seekers navigating unemployment
- Centrelink benefit recipients managing on limited income
- Anyone with bad credit who's been rejected elsewhere

Our best advice? Budget carefully to avoid needing loans. But when life throws you a curveball and you need $700 fast, Cash Direct is here. Once you're approved and establish good repayment history, you'll have instant access to future loans through your Cash Direct member account your financial safety net whenever you need it.

Already a Cash Direct Member?

If you're an existing customer with a good repayment history, you can access our Express approval process. This means even faster decisions and the ability to get your $700 loan in minutes, not hours. It's your financial backup, ready when you need it most.

Ready to Get Your $700 No Credit Check Loan?

Don't let past credit problems stop you from getting the $700 you need today. Cash Direct's no credit check loan is designed for people in your exact situation.