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

Clayton Loans

Get a fast cash loan today

Clayton branch

Our Clayton branch has merged with our Dandenong branch located at 1/20A Langhorne Street, Dandenong VIC 3175.

Search for another location, or apply online now.

The Clayton branch is no longer open, but you can still apply for online loans in minutes. The process is straightforward and can be done from anywhere.

Whether you need an emergency cash loan, a short term loan, or a Centrelink loan, we have options that may suit your needs. Approved funds go directly into your bank account.

Lond shadows street scene in Clayton, Victoria

Cash Loans – Clayton

Clayton branch update

Unfortunately, the Clayton branch is no longer open. You can still get a loan through our easy online application process. Simply apply online for a fast cash loan to help with different circumstances such as paying for a holiday, renovations, or household goods. If you would like to speak to one of our team personally, our closest physical branch to Clayton is the Dandenong branch located at 1/20A Langhorne Street, Dandenong VIC 3175.

Loans in Clayton

Our team at Clayton provides the best service possible. We will do our very best to find a loan that suits your requirements and objectives whilst meeting the affordability guidelines of responsible lending. Let us help you find the perfect loan that suits your objectives.

How Cash Train loans work

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.