Cash Direct offers a range of loan options for new migrants working in Australia. If you are a Non-Permanent Resident in Australia, with a Temporary Working Visa, an International Student Visa or have a Family or Partner based Visa; you can qualify for a Cash Direct Visa Loan.
We offer Small Loans of between $200 to $2,000, that can be paid over 1 to 12 months. We also offer medium loans of up to $5,000, typically paid over 12 months. We can consider larger loans where you have higher income and capacity to repay a larger loan.

Visa Loan Eligibility

How can I qualify for a Visa Loan? Easy, you will just need to have:

• Australian Employment of at least 20 hours per week

• An Australian bank account, receiving your wages, and showing a consistent and responsible budget

• A valid Passport and Visa, supporting a Visa term that is beyond the loan term

• Clear credit in Australia

• A good Character Referee that can provide a character reference and be your back up contact

Applying for a Visa Loan is 100% Online and Paperless. It will take less than a few minutes to apply online, and once approved, you sign up electronically, and money is transferred into your Australian bank account within 1 hour. As a Cash Direct Member, you will get Express Service for any future loan needs.

Click here to Apply Online Now.

Is it easier to get a loan once you become a Permanent Resident?

Yes, much easier. Once you have your permanent residency, you will find the larger banks and lenders will be much more comfortable lending to you. You can then qualify for highly competitive car and home loans. Your permanent residency will also give you access to free education at Public Schools and access to Medicare, Australia’s Public Health Care System. If you need help funding your Permanent Resident Application, click here.

Permanent Residency Loan

The Permanent Residency loan is designed to support working migrants apply for a Permanent Residency in Australia for them and their family.
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These loans are typically:

• $8,000 to $15,000

• Paid weekly, over 12 to 18 months

• No extra charges for early repayment

What is Permanent Residency in Australia?

New Migrants can become a Permanent Resident of Australia in different ways, but the most common for our customers is via the work-stream permanent visa.

The Permanent Residency is different to Australian citizenship, but has some valuable benefits, including the ability to:

• Remain in Australia indefinitely

• Work and study in Australia without restriction. With access to free primary, secondary and University education

• Enroll in Medicare, Australia’s national health care system

• Apply for bank loans to buy property

• Sponsor eligible relatives for permanent residency

• Apply for Australian citizenship, if eligible

• Travel to and from Australia with a travel facility

• Attend free English classes

• Even work in New Zealand

• Potentially qualify for other government benefits and services.

The primary method will be via the Employer Nomination Scheme via, where your current employer will need to nominate you.

You can also do this via the Regional Sponsored Migration Scheme visa, which will again require your employer to nominate you. The process can be shorted by committing to work in regional Australia for a period of time.

The final worker-based approach is the Skilled Nominated Visa, where a State or Territory Government must nominate you based on skill and contribution to society.  You must also be under 45 and score 65 points on the points test to qualify.

The minimum cost of the Permanent Residency visa is about $4,000 to $5,000 for the Fee paid to Home Affairs. You may need extra funds to pay for a Migration Agent, to help drive the process. The processing time is typically between 4-6 months for the Employer Nomination Scheme, and can be longer for the other approaches. You will also likely need to pay a fee to a Migration Agent to manage your Permanent Residency Process.

How does the Permanent Residency loan work?

The loan will be used to fund the key expense of the Permanent Residency process:

• Processing fee payable to the Department of Immigration, a minimum of $4,045

• Fees for working with a registered immigration agency

We will help you form a budget for this and process your loan on that basis.  It can also be settled in parts based on the timing of payments.  The payment can go directly to your Immigration Agency or we can transfer the funds to your nominated bank account when required.

To apply for a Cash Direct Visa Loan in minutes, click here.