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Short Term Loans 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 Short Term Loans

Apply in Minutes

Why apply for a Cash Train Short Term Loans?

Fast Approval

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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

Easy Application

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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.

Trusted Lender

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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.

What is a Short-Term Loan?

Short term loans are a simple but fast solution to emergency or temporary cash problems. Short term loans allow you to borrow a small amount of money to pay for something you need cash for quickly, such as medical bills, a laptop replacement or to pay bills that are almost due. You then repay the debt back with fees in equal repayments over an agreed fixed term, usually over a couple of months for short term loans.

Most short-term loans are unsecured, which means they do not require any collateral or security. It also means that you can get a loan on bad credit or with Centrelink!

Should I get a Short-Term Loan?

A Cash Train Short Term Loan can help in many situations including:

  • Moving costs
  • Emergency expenses
  • Home renovations or remodelling
  • Wedding expenses
  • Funeral expenses

Short Term Loan Term Definitions & Features

Comparison RateCan be thought of as the overall cost of a loan – based on several factors including interest rate and fees
Interest RateA rate of interest that is charged to the borrower, usually an annual percentage of the loan outstanding
Application FeeA fee that is charged when you apply for a loan
Other FeesAny additional fees that may be associated with a loan application
Extra RepaymentsExtra repayments are made after the establishment of the loan. Extra repayments could help you reduce the amount of fees and repayment term.
Loan UseConditions for use of loan – some loans can only be used for specific things such as the purchase of a car or home renovations.
Loan TermThe length of the loan. Generally shorter loan terms have lower fees rates and longer loan terms mean lower repayments and higher fees rates.

Paying Off Your Short Term Loans?

A Cash Train Short Term Loans can help in many situations:

Check out our short term 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 short term 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

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.

Cash Train Short Term Loans Rates, Fees & Limits

Establishment Fee 20%
Monthly Fee4%
Early Repayment Fee$0
Minimum Loan Amount$200
Maximum Loan Amount$2,000
Minimum Loan Term10 weeks or 3 months, depending on your payment frequency.
Maximum Loan Term12 months

Short Term Loans With Cash Train

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"

Short Term Loans FAQ

What is a short-term loan market?drop down arrow expanded

A short-term loan market can be defined as a contract between a borrower and a lender whereby the lender provides a loan to the borrower with a specified amount, for a loan term of less than 12 months.

    What is a short-term loan?drop down arrow expanded

    At Cash Train, our personal loans up to $10,000 incurs a $400 establishment fee and interest at an annual cost rate of up to 48%.

      How do short term loans work?drop down arrow expanded

      Short term loans allow you to borrow a specific amount of money to be repaid with a set number of scheduled payments over a set period. We offer fast and easy short-term loans from $200 to $10,000, and you can apply from the comfort of your living room!

        Are short term loans safe?drop down arrow expanded

        Yes! All we need is proof of ID, proof of income and a 90-day bank statement.

          How long are short term loans?drop down arrow expanded

          With our fast cash loans , you can borrow up to $2,000 with a maximum loan term of 12 months. With our personal loans , you can borrow a higher amount at up to $10,000 with a maximum loan term of 24 months.

            Example Loan Costs

            • 3 Months

              Fast Cash

            • 6 Months

              Fast Cash

            • 12 Months

              Fast Cash

            • 20 Months

              Personal Loan

            • 24 Months

              Personal Loan