Swift, simple and secure. Handle urgent expenses and get back to what matters most with our fast cash loans.
Rated 4.2 — based on 307 Google reviews
The absolute best
I love cashtrain I've had a few loans through them now very pleased they gave me a chance thanks cashtrain ❣️
Thanks and I hope we can do business again
It was nice and easy and quick
I honestly can’t thank this company enough for helping me when I really needed it. I had been knocked back by other lenders and felt like I had nowhere else to turn, but they actually took the time to listen to my situation and help me when no one else would. The whole process was straightforward, the staff were understanding and respectful, and I never felt judged. They gave me a chance when I genuinely needed one, and that meant more than they probably realise. I’m extremely grateful for the help and would definitely recommend them to anyone who feels like they’ve run out of options. ❤️
Very easy when I needed it thankyou
Cash. Train helped me when I need I .I am a carer and needed my car fixed. Thank you so much. Can not fault them at all
Polite customer service.Willing to help in any situation or problems you might have. Prompt in giving loan into your bank account once acceted
Our loan applications can be done online or at your local branch. Simply answer a couple of quick questions and provide your bank details.
With a proud history of giving Australians a go over the last 20 years, Cash Train is proud to be part of the communities it serves.
We value our customer’s time. Once approved for a fast cash loan, you can have the money direct debited to your bank account via NPP transfer in as little as 30 minutes.*
As a responsible lender, our priority is ensuring our instalment loans are affordable and suitable for our customers.
To meet our lending criteria, you must:
Existing customers can benefit from a faster borrowing process. As your trust rating improves, you may borrow more money with any subsequent loan - as long as you meet loan payments, the loan meets your requirements and objectives and repay your loan in full, on time and can afford the higher amount.
Need a cash loan fast? Get convenient financial relief in 4 easy steps.
Apply online
Fill out your online application form in just a couple of minutes from the comfort of your home, on the train or in the office.Get your loan offer
Get your loan conditionally approved** which outlines the terms of your cash loan while you wait for final approval.Receive approval
Our team is dedicated to balancing efficiency with a fair loan decision and we’ll let you know as soon as your loan is approved.**Get your money fast
Once your loan is approved, we'll send your money within 30 minutes via an instant funds transfer.*
From flights to accommodation, our finance solutions will get you where you need to go.
A fee that is charged when you apply for a loan and your loan is approved.
Extra repayments are made after the establishment of the loan and could help reduce fees and repayment term.
The conditions for use of loan. Our loans can not be used for general living expenses such as rental payments or grocery costs.
The length of the loan. Short-term loans often have lower monthly fees, whereas longer loans have lower repayments and higher rates.
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.
Fast cash loans can come in handy when you encounter unexpected situations, such as car emergency repairs, moving costs, or other unexpected bills.
Subject to meeting our lending criteria, fast cash loans allow you to borrow a small amount of money and receive it quickly for you to make urgent payments. You will then repay the loan amount, plus any fees, usually in instalments over an agreed fixed term.
Fast cash loans can be safe to use if you borrow from a responsible lender and only take out what you can afford to repay. At Cash Train, we follow strict lending rules and operate under Australian Credit Licence 389 189, meaning we are regulated by national consumer credit laws.
Our loans:
Because we are a licensed and regulated lender, you can be confident that your loan is offered in line with Australian consumer protection standards.
As long as you borrow responsibly and keep up with repayments, a fast cash loan or payday loan can be a helpful short-term solution.
Cash Train is committed to our customers' safety and only lends to applicants who can comfortably repay their debt.
Please keep in mind that fast cash loans are not designed to be a long-term financial solution, they are helpful when unexpected expenses arise, and you need money quickly.
Check out our fast cash loan costs to make sure you understand the total repayable and relevant interest charges.
With a fast Cash Loan, you could borrow up to $2,000 with a maximum loan term of 12 months. With our Personal Loans, you could borrow a higher amount at up to $8,000 with a maximum loan term of 20 months.
At Cash Train we're committed to providing a faster loan experience as we understand many of our customers require immediate financial assistance. While other lenders may employ manual loan processes, we can securely take a quick digital snapshot of your account history, without the need for printing and scanning documents.
Cash Train makes every effort to provide quick cash loans to customers as soon as possible, often on the same day you apply*, but due to some banks’ processing times, you may need to allow 1-2 working days for the funds to become available.
We understand people’s current circumstances are not always indicative of their credit rating. For this reason, we assess each application on a case-by-case basis and offer loans to customers with poor credit as long as they are eligible and can comfortably meet their repayments.
Your loan repayments will be set up over 10 weeks or 2 to 3 months, depending on your pay frequency. If you have a weekly pay cycle, you will have 10 weekly repayments, if you are paid fortnightly, you will have 5 fortnightly payments, and if you are paid monthly, you will have 3 monthly payments.
Your loan repayments will be set up automatically via direct debit with the funds digitally transferred to us from your bank account on the agreed repayment dates.
If you think you may run into difficulty, contact our friendly team.
