Receiving Centrelink payments? Cash Train’s loans on Centrelink are designed to give people go.
Breathe a sigh of relief knowing you can apply online in just minutes.
We value people’s time. Expect a quick decision regarding your loan application.
For over 20 years, Cash Train has been one of Australia’s leading lenders.
Rated 4.2 — based on 306 Google reviews
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
This company did and has helped me with financial difficulties and I appreciate the help in so many ways I think this company is the best. & I'm hoping to reuse this company further in the future. Kinds and regards Janaya.
Thank you cash train, my loan was so helpful, and much appreciated, i have been with cash train for the past 7 years or so they ate so reliable & is easy to understand & fill out the application, cash train has a great team who is very polite & helpful if needing assistance, i Trevor recommend a cash train loan if in need. Thank you for being there for me, i greatly appreciate your much needed help respectfully,
Great service
I love Cash train ! I have been so well taken care of when i needed it most . If you want the best loan Company , use Cash Train . Never will you regret it . ❤️
Amazing service. So grateful i was given the opportunity to take a loan through Cash Train. An easy process from start to finish.
Is a really good site
Awesome 😎💯
Very good severvice
As a pensioner cash train has helped me more than once when I have needed it.
Great service with easy communication.Pleasure to do business with them
I've had a very good experience with cash train as I have moved in2 a new home & needed assistance with car maintenance & family sorry business cash train made my confidence so much stronger move forward in life we all have issues & we all appreciate receiving help thank U cash train for a welcoming experience
Can't fault The team, I applied online, before 12pm, was called back at 3pm, the process was easy, they replied fast, talked me through the signing process, the amount was decreased to fit my budget but it was enough to cover what I was after, electronic repayments set up so I don't miss a repayment and the funds were in my bank account within half an hour of receiving the acceptance email, absolutely recommend these guys if you ever need cash fast and don't want to end up in a Debt spiral. So thankyou cash train. Great job and very appreciative for all your help.
Another happy ending to my latest Cashtrain loan. They have helped me out many times over the years, when others wouldn't. After my marriage ended my credit rating wasn't a thing & nobody would help,; Cashtrain did , & have continued to even tho I'm on a pension & not the best on paper. Thank you Cashtrain, I appreciate it more than I can express. See you next time.
They have been kind and thoughtful to my need's. Hard to get a company like yours that a willing to take a chance. Thanks.
Excellent customer service and very helpful to my needs. Highly recommended to use this service. Thankyou cash train team 😊
As a responsible lender, we're proud to provide loans our customers can comfortably afford.
To be eligible for a loan, 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.
Applying for a Centrelink loan with Cash Train is as simple as 4 easy steps.
Apply online
Submit your application online at any time. All you have to do is answer some simple questions.Get a loan offer
Get a fast conditional loan offer* outlining the terms and total cost of your loan while you wait for final approval.Loan approval
We’ll assess your loan application to give you a fast decision. The outcome will depend on each unique circumstance as we balance speed with responsible lending.Get your money
After we approve your loan, pick up your money from your Branch or get your funds transferred as a lump sum to your nominated bank account within 30 minutes.**At Cash Train, we’ve been helping Australians access short-term cash loans for over 20 years. Whether you need funds for an emergency or unexpected expense, we provide a fast, simple, and responsible lending solution.
Here’s why thousands of customers trust us:
Cash Train operates under two licensed entities. Online Loans Pty Ltd, trading as Cash Train, holds ABN 62 102 154 781 and Australian Credit Licence (ACL) 389 189, while Branch Loans Pty Ltd, operating under the Cash Train brand, holds ABN 28 114 540 797 and ACL 389 268. As a responsible lender, we comply with the National Consumer Credit Protection Act 2009 and follow strict lending regulations to ensure our loans are fair and suitable for all of our customers.
Reviewed and approved on 10th July 2026
Centrelink loans are personal loans available to people who receive Centrelink payments as part (or all) of their income. At Cash Train, we consider Centrelink benefits when assessing affordability, meaning you may still qualify for a loan even if some or all of your income comes from government support. Our cash loans range from $200 to $2,000, while our larger personal loans may go up to $8,000.
Loan amounts will depend on your need, plus a review of how affordable the repayments would be for you. As a responsible lender, we need to make sure that the loan is affordable for you and that you can repay the loan, comfortably.
A Cash Train loan can help cover a wide range of unexpected or essential expenses when you need extra funds. Some common reasons customers use their loans include:
Emergency expenses:
Urgent car repairs (e.g., fixing a broken transmission, replacing tires)
Medical or dental bills (e.g., check-ups, unexpected procedures, prescriptions)
Vet bills for pets
Household and personal needs:
Essential home repairs (e.g., fixing a leaking roof, replacing a broken appliance)
Moving costs (e.g., rental bond, removals, temporary accommodation)
School-related expenses (e.g., uniforms, laptops, excursions)
Travel for urgent family matters (e.g., funerals, medical emergencies)
Unexpected financial shortfalls:
Covering temporary cash flow gaps due to delayed income
Emergency travel or accommodation costs
Please Note:
As part of our responsible lending commitments, we cannot offer loans to fund gambling or any purpose deemed irresponsible under responsible lending guidelines.
At Cash Train, we offer loans from $200 to $8,000, but the amount you could borrow depends on your financial situation and loan needs.
Our team assesses your income and expenses to ensure repayments are affordable without causing any financial hardship.
Applying for a Centrelink loan with Cash Train is simple and fast:
If you apply in a branch, you may be able to collect your cash on the spot after approval, when you sign and accept your loan agreement.
To apply for a Cash Train loan, you’ll need:
If applying in branch, you will also need:
You could qualify for a loan with us, if your Centrelink payments are stable and meet our lending criteria.
When assessing your application, we consider:
Some benefits may be more acceptable than others, and approval depends on whether the loan is affordable based on your overall financial situation. If Centrelink is your only income source, you may still be eligible.
If you’re unsure whether you qualify, our team is happy to review your situation and provide guidance.
Yes, you could, but it depends on which Centrelink benefits you receive.
Commonly accepted benefits:
Other benefits:
If Centrelink is your only source of income, you could still get your loan approved with us.
No, applying for a loan with Cash Train does not affect your Centrelink benefits.
However, it’s important to only borrow what you can comfortably afford to repay.
Yes! If you receive the Age Pension or Disability Support Pension (DSP), you may be eligible for a pensioner loan, provided you meet our lending criteria.
We consider pensioners for both small cash loans ($200 - $2,000) and personal loans ($2,100 - $8,000), depending on affordability.
Cash Train’s primary requirement for a cash loan is proof of income – which includes regular Government benefits like Centrelink payments or the age pension. While this must be confirmed by a Centrelink income statement, Cash Train has helped many people on Centrelink secure a cash loan.
Yes, it is possible! Cash Train considers applicants with bad credit, as long as you meet our criteria and can afford the repayments.
Unlike traditional banks, we focus on your current financial situation rather than past credit issues. If you have stable income and meet our affordability checks, you may still be approved - even with a history of defaults or missed payments.
See our bad credit loans for more details and to apply.
Bridge financial gaps with a top-up when you need it most.
Pay your deposit with confidence and secure your dream home.
Say hello to your next chapter with stress-free finance solutions.
Tackle life's surprises with emergency cash loans for Centrelink customers.
Cover car repairs and get back on the road sooner.
A fee that is charged when you apply for a personal or cash 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. Generally, shorter loan terms have lower rates and longer loan terms mean lower repayments and higher fees 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.
