Check out the questions and answers below which go over the most common questions about our service, and how simple it really is to arrive at your cash loan with Cash Train. Although the online application takes just minutes, you might want to drop into your nearest Branch for assistance.

Any other questions, then send us a quick message from our contact us page or call us on 08 9420 1480 and we'll try to answer your query as quickly as possible.

Why Cash Train?

If you're looking for fast cash from the convenience of your own home or office get on board the Cash Train.

Here are just a few reasons for choosing Cash Train to meet your short term cash needs:

• Cash Train is a trading brand of Online Loans Pty Ltd - Australia's fastest growing short term lender and leader in responsible lending practices
• Easy online application or in Branch process
• Quick online offer (subject to assessment)
• Same day funding possible
• There are no hidden fees - what you see on your contract is what you pay - check out our loan costs for more details
• Affordable repayments

What Can Cash Train Loans Be Used For?

Our loans are a short term solution for that unexpected gap in your cash flow.
Whether you need a small or medium size loan, a fast cash loan is a convenient way to borrow only what you need and pay it off quickly.
There are many reasons why a fast cash loan may help you - and you won't be alone - 1,000s of Australians choose us as their cash lender every month.

Here are a few of the reasons our existing customers come to us:

• Their car has broken down and they need to get it back on the road
• They'd forgotten a bill that was due and were unable to reschedule the repayment date
• They'd overspent on holiday and needed to fill the fridge when they got home!

And it's not just to solve problems, more and more customers are coming back to take advantage of quick cash for other reasons too

It's also important to understand what a Cash Train loan isn't.

• It is not a fix for long term issues or day to day expenses
• You may need to seek financial counselling or look at other financial alternatives

Here are some examples of when a Cash Train loan may - or may not - be right:

Your Situation Needs	Get a Cash Train Loan?
$800 to Fix Your Car
$500 For a Weekend Away
$250 to Buy a Gift for a Special Occasion
$400 to Pay Off an Outstanding Bill
$250 Meal to Celebrate Your Anniversary
$3,000 for a Home renovation
$9,000 to Buy a New Car

Who Qualifies?

By providing responsible assistance and financial inclusion for those in need, we remain committed to providing help to alleviate some of those unexpected expenses when they arise.

If you're over 18 and an Australian resident, then you can apply for a fast cash loan with Cash Train.

As responsible short term lenders, we independently verify your income and identity prior to completing your loan.

Cash Train offers loans to Australians who may otherwise be excluded from obtaining credit.

What if I have bad credit?

Don't worry - we help 100s of people each day who may have some adverse credit history. We prioritise your current circumstances making sure that the loan is affordable, easy to repay and meets your needs.

Here is our quick check box to see if you qualify before you apply online:

You Are	Can Cash Train Help?
Over 18
Employed
Self Employed or On Benefits
Paid Into Your Bank Account
Need a Short Term Cash Loan
An Australian Resident
Need personal loan

Getting Your Cash

Once you've been approved for your loan, we will electronically transfer the money to your bank account on the same day. If you bank with one of the big four, your cash will normally be available on the same day* - often within hours. Otherwise, the funds normally be available in your account the following morning. Alternatively you can collect cash in hand from your local branch.^

* Usually when your loan has been approved before 2pm EST.

^Subject to cash availability.

Repaying Your Loan

Quick loans online from Cash Train are intended to make life easier.

We automatically set up a direct debit from your account on your payday, until the loan has been repaid.

Repeat Borrowing

As long as you make all your repayments on time, you can take advantage of your existing relationship with Cash Train and come back to us and apply for a further loan if you need short term cash in the future.

As you build a history with us, you may be able to borrow more depending on your need and the affordability of the loan.

Once you've repaid your first loan, we don't need to do as many checks every time you want to take out a new cash loan. As responsible lenders, we do check if you have any change of circumstances or 90 days after your first loan.

Repeat customers can fast track their application in our Members Area, using the Member's Area.