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

Townsville

Explore our quick loans with Cash Train Townsville.

Townsville branch

Our Townsville branch is no longer open, but you can still apply for a Cash Train loan online at any time. The application process is secure, simple, and available 24/7, so you can get started whenever it works best for you.

We provide loan options to suit different needs, including fast cash loans for urgent expenses and bad credit loans for those who may have had difficulties with traditional lenders. Even if you’re receiving Centrelink benefits, you may still be eligible to apply. We assess your current circumstances, not just your past credit history.

Once approved, your funds will be paid directly into your bank account – no branch visit required. There are no hidden fees, and you’re free to repay your loan early without any extra charges.

Hillside view with Townsville in the distance

Cash Train Townsville

Branch update

Unfortunately, our Townsville branch is no longer in operation. You can still access our fast cash loans online.

Simply apply online with our quick application process to help with financial situations such as paying the bills, home renovations or planning a trip.

Cash loans

Our Townsville Branch has closed.

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

Personal loans

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

Benefits of a Cash Train loan

A young woman with tattoos in her living room and checking her laptop and holding her child

A happy woman at home putting small change into her piggybank

A happy young man holding a fan of Australian dollar notes

Quick application processYou can apply online, and it only takes minutes.

No early repayment fees Pay off your loan early with no extra fees.

Unsecured loansTake out a loan without providing collateral.

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?

Townsville

Townsville branch

Cash Train Townsville

Branch update

Cash loans

Personal loans

Benefits of a Cash Train loan

Ready to get started?

Example loan costs