Quick Cash Loans

Quick loans are similar to most personal loans but are specifically designed to provide customers with money fast, in an emergency.

The money, paid into the customer's bank account, could cover unexpected bills or overcome temporary cash flow problems.

The customer will then repay the loan amount, along with any fees, according to the terms outlined in the loan agreement.

We regularly help with unexpected expenses that need to be sorted out quickly.

Such as the following:

• Car repairs or other vehicle repairs
• Emergency dental treatment
• Vet bills and other pet expenses
• Medical expenses, treatment, appointments or medication
• Home repairs from plumbing, electrical or appliance replacements
• Family emergencies, such as visiting sick relatives
• School fees or supplies
• House moving expenses
• Special occasions, such as weddings, birthdays or anniversary expenses
• Tech repair or replacement for mobile phones or laptops

However, almost every situation is unique, so we will see how we can help.

While the law requires all customers to provide 90-day bank transactions, there's no need to print or scan any paperwork as we gather all the information we need online, through our secure partner Illion.

We will then get a read-only scan of your latest 90 days of banking transactions. This helps us understand your income and outgoings, along with any regular financial commitments. We use this to work out how much you can affordably borrow and repay.

Cash Train takes great pride in delivering quick and easy fast cash loans to customers as soon as possible, often on the same day you apply.

However, due to some banks’ processing times, you may need to allow 1-2 working days for the funds to become available.

While not every applicant will be eligible, we'll give you a go*.

Your financial situation may have improved. We make every effort to offer bad credit loans to customers, who can comfortably afford their monthly repayment amount.

Approval will largely depend on your current financial situation and needs rather than previous incidents on your credit file.

Yes, it is possible, depending on your situation*.

We regularly lend to customers who receive Centrelink payments. Some customers have a mix of income from employment plus Centrelink payments, while others receive all of their income from Centrelink.

See our Centrelink Loans page for details and to apply.

We've made things simple.

Your repayments will be automatically direct debited from your bank account on the agreed repayment dates, so you don’t have to worry about missing them.

View our loan costs to make sure you understand the total repayable and if you think you may run into difficulty with your loan repayments, get in touch with our friendly team to avoid late fees.

Yes, it is possible. Your repayments can be set to match your pay cycle—whether that’s weekly, fortnightly, or monthly. The overall loan term will depend on the type of loan, how much you borrow, and what you can afford.

Unlike some short term lenders who require full repayment by your next payday or within a month, Cash Train may spread your loan over a longer period, up to 12 months for our fast cash loans and up to 20 months for larger personal loans up to $8,000. This helps to keep your repayments smaller and manageable, and better aligned with your income.

As a responsible lender, we tailor your loan and repayment schedule to suit your personal circumstances, making it easier for you to stay on top of your repayments.

Payday advances are often referred to as SACCs or Small Amount Credit Contracts for loan amounts up to $2,000.

Cash Train does offer SACC loans for emergencies, which are generally repaid over the next 10 weeks, or 3 months. However, your loan term is determined by your pay frequency and loan amount, and your loan repayments will be set up over a term that suits your affordability, with loan terms from 2 months to 12 months.

Please see our payday advances page for more details.