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Loan Types & Costs with Cash Train

We are conscious that world events are causing stress within the community and for many of our customers. We are grateful that we can continue to provide Financial Solutions and Emergency Cash to you when needed. We welcome you to call us, apply online or visit your local Branch as you normally would.

Cash Train Loan Types & Costs

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What is a Loan?

A loan is a sum of money that is borrowed from a creditor or lender in which you make repayments with fees and charges. There are generally two types of loans: secured or unsecured loans.

A secured loan is a loan that is secured by an asset, such as a car or property. The secured asset may be sold by the lender to recover any outstanding loan where agreed repayments cannot be met. Secured loans generally have lower fees and charges as the lender reduces its risk by taking a charge over the secured asset. Having a poor credit score, could make it difficult for you to be approved for a secured loan.

Unsecured loans do not require any security. Thus, fees charged on unsecured loans are typically higher than that of a secured loan. The application and funding process can also be a lot quicker. At Cash Train, it is possible to receive a loan even where you may have a poor credit rating as we assess each loan on a case by case situation, whether you are employed, unemployed, self-employed, receiving Centrelink payments or government benefits, and many more.

Get in touch with us today to discuss more about the right cash loan for you.

Types of Loans

When you are short on cash for some big-ticket items or need to take a break and go on a holiday, you can apply for a loan to help you achieve your financial goals quickly.

There are several types of loans you can consider depending on your situation and how much you want to borrow. For example, you can get a cash loan of up to $2,000 fast, subject to our responsible lending obligations, or you could opt for a loan up to $10,000 to help you book that holiday. At Cash Train, we have loans for every type of situation, sometimes even if you have bad credit! Get more information about our different loans below:

Cash Loans up to $2,000*

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  • Emergency Cash
  • Centrelink
  • Cash Paid Fast

Personal Loans up to $10,000*

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  • Any Purpose Considered
  • Cash Paid Fast
  • Bad Credit Considered

* Subject to verification, suitability and affordability

Cash Train Small Loans from $200 - $10,000

Cash Train's Small Loans Help in a Big Way!

Borrow $200 - $10,000 - Some banks or lenders may have a minimum borrowing amount for their personal loans, which may be more than you actually need. Our small cash loans allow you to borrow a smaller amount to suit your needs - and fast!

Quick Application - Our online application is quick and easy to complete, typically taking only 5 - 10 minutes from start to finish.

No Paperwork Necessary - As an online lender, our application can be completed 100% online, this means there is no need to print, scan or fax any paperwork to us.

Bad Credit? No Problem - We offer small cash loans even with a less than perfect credit history; so if you have had bad credit and need a quick small loan, we may be able to help*.

Quick Loan Offer - Cash Train can give you a quick loan offer* online. After you have completed your online application, our underwriting team work very hard to ensure you receive a quick lending decision on your application and if successful, cash in your bank account fast and often on the same day**.

Cash in your hand from your Branch^ or Money Paid Directly to Your Account - Once approved, your money may be collected from your Branch^ or is sent directly to your bank account, so that you can access your loan as soon as possible and often on the same day**.

No Hidden Costs or Fees - Our loan costs and fees are completely transparent so that you know exactly how much your loan will cost you before applying. Use the costs slider above to get started.

* Subject to verification, suitability and affordability

** Usually when your loan has been approved before 2pm EST, and you bank with one of the big four.

^ Not available in WA, ACT or NT

Extra Cash for Small Emergencies

Emergencies - Medical, Dental and Vet Bills are expensive and necessary costs that can sometimes come out of the blue. If you find yourself in a cash shortfall emergency situation, we may be able to help*.

Repairs - Car trouble? Oven packed in? Shower stopped working? Things like these tend to have the worst timing. Cash Train may be able to tide you over*, and help you get back on track.

Special Occasions - Birthdays, Christmas, Easter and Anniversaries are all very important. Cash Train may be able to help you celebrate in style with a small cash loan*.

Rental bonds - Make moving house less stressful and let Cash Train do the heavy lifting, with a small same day loan*.

* Subject to verification, suitability and affordability

Small Loans With Cash Train

A little background on Cash Train and Small loans

Cash Train is the trusted lender of choice committed to transforming the consumer lending industry in Australia.

With a proud history of giving people a go over the last 20 years, our 40+ branch network across Australia is proud to be part of the communities it serves.

Our staff work closely with our customers and do their very best to ensure whatever financial product they require, for whatever purpose, we find a solution which suits their needs.

Our branches are located in retail precincts all around Australia providing a face to face experience which, together with our innovative online product offerings, give customers convenient access to products and services whatever their circumstances.

Cash Train is an industry leader committed to closing the gap in the market for consumers who are either excluded from, or who simply choose not to obtain credit from mainstream financiers and allowing consumers who are in financial need access regulated credit solutions with extensive consumer protections

We are our customers and believe in providing Efficient, Innovative, Flexible and Understanding financial solutions to suit everyone’s needs.

"Giving People A Go"

Example Loan Costs

  • 3 Months

    Fast Cash

  • 6 Months

    Fast Cash

  • 12 Months

    Fast Cash

  • 20 Months

    Personal Loan

  • 24 Months

    Personal Loan