Example loan costs

Borrow

Costs

Repay

$500

$160

$660

$1,000

$320

$1,320

$1,500

$480

$1,980

$2,000

$640

$2,640

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.

Products

Loan Types

Bad credit loans

Loan approvals, even with bad credit.

Payday loans

Get the cash you need fast, without waiting till payday.

Same day loans

Funding is possible on the same day you apply*

Centrelink Loans

Cash loans on Centrelink benefits.

Personal loans

Pay for your car repairs, medical bills, home improvements, travel costs and more.

No credit check loans

You could get approved, even with a bad credit history.

Emergency loans

Get the cash you need, fast, in an emergency.

Short term loans

Repay in months, with our short-term loan solutions.

Pensioner loans

You could get your loan approved when on a Centrelink pension.

Fast cash loans

Fast online application with cash paid directly into your bank account.

Quick cash loans

Fast cash loan payments, direct to your bank account.

View all loan types

Online loans

Easy online application can be completed in minutes.

Small loans

Small cash loans can be a big help.

Other Products

Currency exchange

Find a branch near you for local currency exchange with Cash Train

Pawnbroking

Get instant cash for your gold, jewellery, or electronics.

Find a branch

Members area

Wyong

Find a branch near you.

Wyong branch

Our Wyong branch is now closed, but you can still access our loans online any time of the day or night. The application is quick and secure, designed to fit around your schedule.

From payday advances to fast cash loans and personal loans, we have products to suit different needs. If you’ve had a bad credit history or receive Centrelink benefits, you may still be able to apply.

If approved, we’ll send the funds straight to your bank account. You can repay early with no extra fees.

Simple street with palm trees on either side

Ocean road scene from above with winding road.

Cash Train Wyong

Branch update

Our Wyong branch is no longer operating. However, that doesn’t mean locals don’t have access to our personal loans.

Simply apply online with our quick application process to help with financial circumstances such as paying bills, booking a holiday, or household goods.

Fast cash - apply online

Our Wyong Branch has closed.

Get started by applying online for your Fast Cash Loan for up to $2,000* and once approved, get it paid directly into your account.

Personal loans

Apply online for your personal loan up to $8,000.*

Benefits of a Cash Train loan

Quick loan application processOur online application only takes minutes.

Unsecured loansYou don’t have to put up collateral for our loans.

Trusted lendersWe're proud to be one of Australia’s leading lenders.

Example loan costs

Borrow

Costs

Repay

$500

$160

$660

$1,000

$320

$1,320

$1,500

$480

$1,980

$2,000

$640

$2,640

Example loan costs

Ready to get started?

Wyong

Wyong branch

Cash Train Wyong

Branch update

Fast cash - apply online

Personal loans

Benefits of a Cash Train loan

Ready to get started?

Example loan costs