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Quick 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 Quick Loans

Apply in Minutes

Get Quick Loans from Cash Train

Fast Emergency Assistance When You Need It Most

In order to qualify for a loan1 with Cash Train you must be:

  • Over 18 Years Old
  • Employed and Earning over $1,200 a Month
  • An Australian Resident
  • Paid by your Employer into your Bank Account
  • Able to Repay Your Loan

We believe in giving everyone a fair go, and will also consider applications1 from customers who have no credit or bad credit for quick loans online.

1 Subject to verification, suitability and affordability

Fast Online Application

Our quick loan application is 100% online and should only take about 5 or 10 minutes to complete, depending on your typing speed. You'll be asked simple questions, that you should be able to answer off the top of your head, and there is no need to print or scan any paperwork.

Next, provided you meet our qualifying rules, you'll receive a conditional loan offer online and a contract for you to read and e-sign. Our team will then assess and verify your application to ensure the amount requested is suitable and affordable for you.

Quick Assessment

Our loan underwriting team understand that every applicant is different, and will do their best to gather and review any additional information and give you a lending decision as quickly as possible.

Loan Approval

Once approved, we will directly transfer your quick cash loan to your bank account, and in most cases you will receive the cash that same day2 or the following morning.

Cash Train takes great pride in delivering quick and easy cash loans to customers as soon as possible, often on the same day you apply2, but due to some bank’s processing times, you may need to allow 1-3 working days for the funds to become available.

2 Usually when your loan has been approved before 2pm EST, and you bank with one of the big four.

Repay over 10 Weeks or 3 Months

Depending on your pay frequency, your loan repayments will be set up over 10 weeks or 3 months. If you are paid weekly, you will have 10 weekly payments, if you are paid fortnightly you will have 5 fortnightly payments, and if you are paid monthly, you will have 3 monthly payments.

Unlike payday lenders, who require full payment on your next payday or within 1 month, Cash Train spreads your loan over a longer period, making your scheduled repayments smaller, more affordable and easier to manage.

Your repayments will be automatically direct debited from your account, on the agreed dates, so you don’t have to worry about missing them. Ensuring your loan is as easy and stress free as possible.

What Makes Our Quick Loans So Quick?

A little background on Cash Train and Small loans

  • Quick online application - Our applications are 100% online, so you can complete the entire process from the comfort of your own home., workplace or anywhere!
  • No need to print/scan paperwork - We gather all the information we need online, such as your bank statements, through our secure partner Proviso. They will provide a snapshot of your banking transactions over the last 90 days. (As required by law).
  • Money sent straight to your account - Your quick cash is sent straight to your bank account, so you can get your hands on the cash even faster.

Benefits of Our Quick Loans

Getting a quick loan from Cash Train means you don’t even need to leave the house or office. You won't need to make an appointment or have any lengthy meetings. The application is quick and simple, and 100% online. All the information we need from you should be easily available, and there is no need to print, scan or fax any documents.

While it may take days to get a response from the bank; here at Cash Train, our underwriters work hard to ensure you have a quick decision, so you can get the cash you need fast.

So whether you need the cash for unexpected bills, emergencies, repairs or even travel arrangements, you could benefit from a quick cash loan1 from Cash Train.

1 Subject to verification, suitability and affordability

Fast track your application in the Members Area

If you’re an existing customer, you can log into the Members Area and apply for a new loan faster. You won’t need to fill out a full application, as we already have most of your information we need. You will need to confirm the amount you wish to borrow, tell us why you’re applying for a loan and confirm that your circumstances haven’t changed since you last borrowed with us.

Once you have a loan with us, you can also log into the members area to check the loan status and keep track of your repayments

Helping Thousands of Australians Get Quick Cash Every Week!

Check out some typical customer testimonials below, or visit Cash Train on Trust Pilot for the latest customer feedback!

“Excellent service. I have use this service a few times now and compared to the others they are far more efficient than the rest. Thanks for your help again in emergency situation that i have experience...cheers” - Faauli

“Excellent Outcome! Cash Train was quick with there decision and money was paid into my account later that evening. I like the fact there is a longer period for which you can pay the loan back. It was a huge help. Would definitely use Cash Train again.” - Kristy

“Easy to apply and quick having the money put into your account. Very helpful, when short of cash. Thank you!” - Madeline

“It was the best loan I ever applied. Quick and efficient! Will definitely recommend to friends and family.” - Josephine

Example Loan Costs

  • 3 Months

    Fast Cash

  • 6 Months

    Fast Cash

  • 12 Months

    Fast Cash

  • 20 Months

    Personal Loan

  • 24 Months

    Personal Loan