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.
Apply today and you can get your funds within a few hours! The faster we receive the information we need to make our lending decision from you, the faster you will get your loan
Apply for a loan between $200 and $10,000 online today. Our application form only takes minutes as we aim to make the whole online loan process hassle free.
Cash Train is a trading name of one of Australia's leading cash lenders. As a responsible lender, you'll be dealing directly with us, not some third party. We are also available to help out and to take your calls.
Fast cash loans can come in extremely handy when you are met with unexpected situations – such as emergency repairs for your car, 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, to be repaid in the future with fees. Whether you’re employed with a company, receiving Centrelink payments, self-employed, have good credit or bad credit, our fast cash loan may suit any applicant!
|Comparison Rate||Can be thought of as the overall cost of a loan – based on several factors including interest rate and fees|
|Interest Rate||A rate of interest that is charged to the borrower, usually an annual percentage of the loan outstanding|
|Application Fee||A fee that is charged when you apply for a loan|
|Other Fees||Any additional fees that may be associated with a loan application|
|Extra Repayments||Extra repayments are made after the establishment of the loan. Extra repayments could help you reduce the amount of fees and repayment term.|
|Loan Use||Conditions for use of loan – some loans can only be used for specific things such as the purchase of a car or home renovations.|
|Loan Term||The length of the loan. Generally shorter loan terms have lower fees rates and longer loan terms mean lower repayments and higher fees rates.|
Check out our fast cash loans costs to make sure you understand what you will have to repay. We believe in being up-front with all the costs and have no hidden charges or fees for you to worry about.
Repaying your fast cash loans is done automatically in the background on the agreed repayment dates. The funds will be digitally transferred to us from your account by its direct debit facility.
If you think you may run into difficulty and your situation changes so that you are unable to make the repayment, give us a call as it is may be possible to reschedule your repayment. See loan costs for further details.
Existing Customers can benefit from a faster borrowing process and as your trust rating improves, it may even be possible to borrow more money with any subsequent loan - as long as you meet loan payments and repay your loan in full, on time and can afford the higher amount.
* If you are borrowing with us again and you have taken out any other small amount credit contracts in the last 90 days or it has been over 90 days since we viewed your documents, it is a legal requirement for all lenders to assess your application and view 90 days worth of bank statements.
Fast online application - No appointments or lengthy meetings are needed. Applications may be made 100% online, so you can do it all from the comfort of your home, on the train or in the office. Alternatively apply in person at your nearest Branch
No paperwork- Along with your online application, we are required by law to review your latest 90 days' worth of bank transactions, to ensure your loan is affordable and suitable for you. To make the reviewing process easier, we can securely take a quick digital snapshot of your account history, without the need for printing and scanning documents. This makes the application faster and easier for you and our assessment team.
Cash in your hand from your Branch^ or Money paid direct to your account- Getting a fast cash loan online is straightforward*. Once approved, the money may be collected from your Branch^ or is transferred direct to your bank account, so you can get your money fast and often on the same day** you apply!
* 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
If you've had a loan with us before, you can fast track a new application by logging into your account on the Members Area. With your information already on record, the application is simpler. In most cases, all we need updated is the reason for your new loan, the amount you want to borrow and confirmation that your circumstances haven't changed. Most of the time we can auto refresh your 90 days bank statements, making your fast cash loan application even quicker.
You can also track your loan repayments and history in the member's area.
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 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"
What is a fast cash loan?
A fast cash loan is a loan that you can receive into your account directly and quickly. At Cash Train, you could receive your loan in as fast as 24 hours subject to our lending criteria and us meeting our responsible lending obligations.
Are fast cash loans safe?
Fast cash loans are not designed to be a long-term financial solution. Rather, they are helpful when you’re met with unseen circumstances and need money quickly. Our fast cash loans application process is simple.
How can I get a fast cash loan?
You can apply for your fast cash loan online today, and once approved, receive your money in as fast as 24 hours, or pick up at one of our many branches nation-wide.