Small Loans Online up to $2000* Repay Over 10 Weeks or 3 Months!

*First Time Customers Could Borrow up to $800 Paid Direct to Their Bank Accounts
$ 200
$ 2000
Fast Cash Loans $ 200- $ 2000
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How Much Cash Do You Need Today?

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Cash Train Small Loans from $200 - $2000

Cash Train's Small Loans Help in a Big Way!

Borrow $200 - $2000 - Some banks or lenders may have a minimum borrowing amount for their personal loans, which may be more than you actually need. Our small cash loans allow you to borrow a smaller amount to suit your needs - and fast!

Quick Application - Our online application is quick and easy to complete, typically taking only 5 - 10 minutes from start to finish.

No Paperwork Necessary - As an online lender, our application could be completed 100% online, this means there is no need to print, scan or fax any paperwork to us.

Bad Credit? No Problem - We offer small cash loans even with a less than perfect credit history; so if you have had bad credit and need a quick small loan, we may be able to help1.

Quick Loan Offer - Cash Train could give you a quick loan offer1 online. After you have completed your online application, our underwriting team work very hard to ensure you receive a quick lending decision on your application and if successful, cash in your bank account fast and often on the same day2.

Money Paid Directly to Your Account - Once approved, your money is sent directly to your bank account, so that you can access your small cash loan as soon as possible and often on the same day2.

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Repay Over 10 Weeks or 3 Months - Unlike payday lenders who typically require their loans to be repaid in full over 4 weeks, you could repay your Cash Train loan in smaller amounts over 10 weeks or 3 months. Meaning you get to keep more of your pay cheque and get back on track easier.

No Hidden Costs or Fees - Our loan costs and fees are completely transparent so that you know exactly how much your loan will cost you before applying. Use the costs slider above to get started.

A Little Extra Cash for Small Emergencies

Shortfall in Cash Between Paydays - Sometimes you need a small amount of cash to tide you over until your next pay day, to help pay for everyday essentials like groceries, transport and petrol.

Emergencies - Medical, Dental and Vet Bills are expensive and necessary costs that can sometimes come out of the blue. If you find yourself in a cash shortfall emergency situation, we may be able to help1.

Repairs - Car trouble? Oven packed in? Shower stopped working? Things like these tend to have the worst timing. Cash Train may be able to tide you over1, and help you get back on track.

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Special Occasions - Birthdays, Christmas, Easter and Anniversaries are all very important. Cash Train may be able to help you celebrate in style with a small cash loan1.

Rental bonds - Make moving house less stressful and let Cash Train do the heavy lifting, with a small same day loan1.

Big Need for Small Loans

A little background on Cash Train and Small loans

Small Loans became popular with Payday Loans that allowed customers to borrow small amounts of cash to be repaid by their next pay date. These types of loans have been heavily criticized, sending customers into a "never ending" debt spiral, with repayments triggering the need for further borrowing.

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Since March 2015, Cash Train has been offering a fast cash loan product that gives their customers a longer 10 weeks or 3 months in which to repay their loans. The extended repayment period take away any added stress and gives borrowers the extra time needed to get back on track with his or her finances.

Cash Train believes that having access to credit is one of the key components of financial inclusion and we aim to provide Australians a place to turn when they need financial assistance, even with a bad credit history1.

Money Saving Mobile Apps

Cash Train is here to help with small short term emergencies. Check out the apps below, you may be able to save a little money.

Calls and Messages - Stay in touch with friends and family around the world for much less. Apps like Viber, Skype and Facebook Messenger allow you to contact your friends via a Wi-Fi connection without eating into your mobile credit.
Shopping - Websites like eBay and Gumtree are awesome for finding bargains. The good news is, they both have apps you can download onto your phone for free. So now you can secure those bargains on the move.
Entertainment - Bored, but don’t want to spend too much money on a night out? Well download apps like Scoopon and Living social and purchase vouchers to restaurants, shows, day spas and more.
Bills - Keep track of your bills, and their due dates using the app Bill Tracker. It’s free to download and will inform you if a bill is due soon or if any are overdue.
Petrol - Filling up your car can be an expensive necessity. Find the cheapest petrol station near you in real time by downloading FuleMap or MotorMouth, apps that update fuel prices on a daily basis, so you can get the best price of the day.
Travel - Download apps like Expedia or Kayak to compare hundreds of travel sites for deals on accommodation, flights and car rentals. Kayak also predicts whether prices will go up or down.