At Cash Train, we offer Short Term Cash Loans from $200 - $2,000, giving you the flexibility to borrow however much you need in an emergency. Unlike other short term lenders, we don't demand the whole loan amount to be repaid on your next pay cycle, which could lead to further problems. Our cash loans are spread over 10 weeks or 3 months (depending on your pay frequency), giving you time to get back on track with your finances.
Cash Train Short Term Loans are spread over 10 weeks to 3 months. Your repayments are synced to your payday to make them easier and more manageable for you. If you're paid weekly, you will have 10 weekly repayments, if you're paid fortnightly you will have 5 fortnightly repayments and if you're paid monthly you will have 3 monthly repayments. Repayments are made automatically from your bank account, so you don't have to worry about remembering and transferring money with every repayment.
Our Loan Costs are transparent, giving you the confidence you need when borrowing money. If you would like to repay your loan back earlier; you can do so at no extra cost. If you know you won't be able to make a repayment, just Contact Us and we'll do our best to help you.
We understand that each of our customers is unique and so are their circumstances. To ensure that your short term loan is right for you, we have a legal obligation to check every applicant's bank transactions over the last 90 days. We can do this digitally, without the need for you to manually send us the documents. As part of your application, we use a trusted third party bank account verification tool. As soon as we have the bank statements, the Cash Train Team will review the bank statements as part of our loan approval decisioning.
We believe strongly in responsible lending, in accordance with the National Consumer Credit Protection Act (2009), and also because it makes good sense. We want to ensure our customers can afford their short-term loans and can affor to repay them without additional difficulties.
We are the only short-term lender ( in Australia that we know of) who offers a 24-hour 'No Worries' Guarantee. If you have a change of heart and decide that a short-term loan is not right for you, or find the cash you need elsewhere, you can return your cash loan within 24 hours without anything extra to pay.
"Was fast efficient and easy, online chat was a perfect way to get help when things went bad approved within a couple of hours money in bank the next morning. Will use this service again if I need to."
Craig [5 Stars] ProductReview.com.au
Quick and Easy
"Quick and easy application. All done and line and quick deposit. Would continue to use in the future. Would recommend."
Macca [5 Stars] ProductReview.com.au
A Fast Excellent Service "The whole process too under 2 hours from the time I applied to the time I had the money in my account. A very good service and I will be using it again."
Jye [5 Stars] TrustPilot.com
Quick, Easy & Painless
"I've used Cash Train twice now. Both experiences have been quick, easy and painless. Even when I have called them on the phone to change payment options the staff have been very friendly and helpful. "
Bradley [5 Stars] TrustPilot.com