About Cash Train
Discover why Cash Train is Australia’s lender of choice.
Responsible lending, real solutions
Cash Train is committed to transforming consumer lending in Australia. With a proud 20-year history and branches nationwide, we offer convenient access to financial solutions both in-person and online.
Our mission is to provide innovative, flexible, and inclusive credit options for all, ensuring everyone has a fair chance at finance.
Why apply for a Cash Train loan?
Our application process takes just minutes to complete. All you need to do is answer some simple questions and provide your bank details.
We assess every loan application on a case-by-case basis. So even if you’re unemployed or have a poor credit history, we may be able to help.*
Your time matters. Enjoy a streamlined assessment process and expect a lending decision as quickly as possible.
Your loan should work for you, not the other way around. Understand exactly how much your loan will cost with our transparent terms.
Once your loan is approved, you can collect your money from your branch* or have it transferred directly into your bank account.
Borrow money on your terms with loan amounts from $200 to $4,600. Our minimum amount is kept low so you don’t borrow more than you need.
Example loan costs
EXAMPLE: Our Cash Loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 3 months has fees and charges totalling $320 (1 x $200 + 3 x $40), resulting in a total repayment of $1,320. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to Cash Loans.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Cash Train is an NCPA lender
At Cash Train, we're proud to be members of the National Credit Providers Association (NCPA).
By working closely with members and policymakers, the NCPA helps maintain a viable small loans industry that provides responsible lending and vital financial inclusion to around 1 million Australians a year.¹
¹CoreData, 2015 Consumer Credit Industry Report
