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Like being able to buy that thing you want for less. Or being able to sell that thing you don’t want for cash on the spot, so you can get something you do want. Or making it possible to borrow up to $5,000.
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Apply for up to $5,000* in-store or online with manageable repayments over a fixed term.
If you’re an existing Personal Finance customer you can apply to access up to $5,000 and request a redraw from an approved credit limit.
Simply bring an item of value to leave with us as collateral for a secured, short-term loan.
We pay cash on the spot for items of value that you no longer use like a guitar, computer, jewellery, smart phones, tool sets and more. |
At Cashies, we offer a range of in-store and online personal loans as well as our Line of Credit product, giving you options to borrow from $50 up to $10,000. Our loans are flexible, so whatever your need might be, our friendly personal finance team will help give you the information you need so you can make a decision on what is right for you.
With over 150 stores around the country, you’ll be surprised by the amount of quality goods you can find – all at affordable prices. Most items come with a Cashies 90-day warranty too, so you can shop with confidence. Or while you’re here, browse our huge range of second-hand goods and buy online.
At Cashies, we’ll pay you to recycle your quality goods. Bring in the things you no longer need, and we’ll give you cash on the spot in return. |
Our Small Personal Loans incur a 20% establishment fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 9 months has fees and charges totalling $560 (1 x $200 + 9 x $40), resulting in a total repayment of $1,560. The minimum loan term is 2 months and a maximum of 12 months.
Our Medium Personal Loans incur a $400 establishment fee and interest at 48% per annum. For example, a medium loan of $3,000 repaid by monthly payments over 1 year would equate to a total amount payable of $4,348 (including a $400 establishment fee). The minimum loan term is 4 months and a maximum of 24 months.
Our Line of Credit product does not incur an establishment fee and interest is at 48% per annum. For example, a line of credit of $4,000 repaid by monthly payments over 3 years would equate to a total amount payable of $7,616. The maximum repayment term for a credit limit of up to $2,000 is 18 months; and the maximum repayment term for a credit limit over $2,000 is 36 months. This example has been calculated on a specified credit limit with the assumption that the debtor has drawn down the maximum amount of credit as agreed to under a contract.
Our loans are repayable in weekly, fortnightly or monthly instalments. Loans can be settled early with no penalty and fees will only be charged whilst there is an outstanding balance on the loan, hence early settlement will reduce the amount payable on the loan. Loans are subject to assessment criteria and suitability. An APR (Annual Percentage Rate) does not apply to our Small Personal Loans. The maximum APR on our Medium Personal Loan is 144.02% and the maximum APR on our Line of Credit is 48%. These calculations do not account for potential additional fees and charges, such as default charges, which may be incurred.
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed on $5,000 loan.
