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

Ipswich

Find a branch near you.

Ipswich branch

Our Ipswich Branch has closed.

The good news is you can still apply for a loan online and get your funds paid directly into your bank account. Our online application is quick, secure, and available 24/7.

Cash Train Ipswich

Visit us in-store

The Ipswich branch is no longer open, but we still have loans available for locals through our online application. Simply apply online for a personal loan to help with various financial circumstance

Responsible lending

At Cash Train you will find a team that is dedicated to assisting people from all walks of life in a variety of financial circumstances.

If you are looking for a small cash loan, we will do our very best to find a loan that suits your goals whilst meeting the affordability guidelines of responsible lending.

Amounts & terms

In need of some extra cash? Consider a loan from Cash Train. Offering fast cash loans from $200-$2,000 and personal loans ranging from $2,001 to $8,000, our loans are a quick and easy way to get cash.*

Don't worry about hidden fees or other unexpected costs, our loans have a listed fixed interest rate. This means that the listed rate is the actual interest rate paid. We also facilitate extra loan repayments without incurring additional fees.