Get ahead of your expenses early with a same day loan today up to $8,000. If approved, you could get your money in just a few hours.*
Rated 4.2 — based on 315 Google reviews
Fast processing. Polite & great willingness to assist with application process. Willing to assess applications on individual circumstances, including Centrelink recipients. If they are unable to approve a loan for the amount you applied for, they may be willing to offer a lower amount for approval of loan. If you have an enquiry, staff are polite, professional, understanding & listen to explain & positively assist with all enquiries.
Thanks so much cash train you guys are awesome helped approved loans easily 5 stars
✨️Imagine you are looking for the BEST money lender in Australia. Even giving up after refused by the big banks or bad credit rating.. Please give Cash Train a go✅️ I have now been a proud and loyal cutomer for many years and there customer service and fair rates + options for loans have honestly proven too be the Best 💵🏅 Give them a go now! + Thank you so much for my recent loan it came at the perfect time..
100% Amazing. Highly recommend Cash Train. Quick response and the cash is in your account straight away.
Quick and easy process, they will call if they want to know more and the funds are in within 30mins
Took about two weeks to get approved but once approved the funds was in my bank in 24hours
Same day application is excellent. Thanks.
They helped me with reasonable rates and even though I'm on centrelink benefits. Thanks for trusting me cash train ❤️
Very happy with the service and how I was helped from you guys it is much appreciated thank you cash train
Very efficient friendly and accommodating there for you when everything seems hopeless absolutely no fuss loans thank you 😊
Great service, follow ups etc. I would recommend this service.
Nice and easily and got my funds within 20 mins
Our application process takes minutes! To begin, answer a couple of quick questions and provide your bank account details.
If you apply before 3 pm, our team will typically process your loan on the same day. Plus, if everything goes smoothly, you could get same day approval.
Feel confident you're getting the best deal possible with transparent fees, competitive rates and reliable support.
As responsible lenders, our priority is ensuring our same day loans are affordable and suitable for your financial situation.
To be eligible, 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.
Ready to start your same day loan application? Here's what to expect.
Apply online
Fill out your application form in just a few minutes from the comfort of your home, on the train, in the office or at one of our Branches.Get your loan offer
We'll reach out with your loan offer which outlines the terms of your cash loan while we assess the final outcome of your application.Receive your loan approval
Our team is dedicated to balancing speed with a fair decision. Most customers will receive approval in just 1 business day and we’ll let you know as soon as possible.*Get your money fast
Once your loan is approved, you could get the cash transferred to your nominated bank account with 30 minutes of approval via an instant funds transfer.**
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.
A same day cash loan can come in handy when you are met with unexpected situations – such as emergency car repairs or urgent travel.
Subject to meeting our lending criteria, Cash Train's same day loans allow customers to borrow a small amount of money and receive it quickly for you to make urgent payments. The borrower will then repay the loan amount, plus fees over an agreed repayment period.
We understand that our same day loan customers often require immediate financial assistance. While we make every effort to approve eligible applicants on the same day they apply, we can't guarantee that every loan will be approved on the same day.
For example, if you submit your application outside of normal business hours (e.g., or after 3 p.m.), your loan request will not be reviewed until the following day. Also, due to some banks’ processing times, it can take 1-2 working days for the funds to become available and enter your bank account.
From Cash Train, yes! We pride ourselves on offering those in financial need access to regulated credit products with extensive consumer protections.
Cash Train's same day loans are not designed to be a long-term financial solution; they are intended to provide eligible customers with urgent money to cover unexpected expenses.
Check out our same day loan costs to make sure you understand the total repayable and relevant interest charges.
With a same day 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.
Cash Train is committed to giving our customers a go, even if other financial institutions have refused them. We understand people’s current circumstances are not always indicative of their credit history and we assess each loan application on a case-by-case basis.
Customers with a bad credit history can still be considered for our same day loans, as long as they are eligible and can comfortably repay the loan.
At Cash Train, we aim to get your funds to you as quickly as possible. The online application only takes a few minutes to complete, and once we have all the required details, we assess your loan promptly during business hours. If everything is in order, approval can often happen the same day.
For online customers, once approved, money is sent directly to your bank account. If your bank supports NPP (New Payments Platform), you could receive the funds in as little as 30 minutes.
For customers applying in person at one of our branches, you can choose to receive cash on the spot once your loan is approved.
Please note, not every loan can be funded the same day. The timing depends on factors such as receiving a complete application with the required bank statements and whether the application is submitted during our office hours.
Also see our quick loans online page for further details of our online process.
To help you avoid missed payments and additional fees, 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. Depending on your loan terms, we can align your loan repayments with your pay cycle. For example, if your pay day is at the end of each month, you could make monthly repayments.
Check out our same day loans costs to make sure you understand your monthly repayment amount. If you think you may run into difficulty, contact our friendly team.
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.
