COVID-19 and Your Loan

Your financial wellbeing is important to us. We have a well-established hardship process and short-term financial assistance solutions in place for customers who may find themselves experiencing financial difficulties during this time.


It is important that you get in touch with us before a payment becomes overdue. Email us on or for Cash Advance, please contact your store. We are here and we will do everything we can to support you during these challenging times. 

Fast Payment Times

Once your personal loan is approved, you could receive the money in your account within 20 minutes.


Less than 10 minutes is all you need to apply with our fast online application. 

Take charge

Manage repayments and keep track of your loan anytime, anywhere with My Loans

We've approved more than 6.5 million loans. 

That's 6.5 million times we've been able to help out our customers when the unexpected happens.
We know that life doesn't always go to plan, so that's why we've made it simple.
Apply for up to $5,000 instore or online for anything from a car repair to a last-minute birthday gift.


Take charge with My Loans

Plus, we’ve made it even easier to keep track of your loans, make repayments and view your upcoming payments with My Loans.

Whether you’re on your computer or out and about, you can now access everything you need to know about your Cash Converters loans 24/7 at your fingertips with our online portal and handy app.

Loan Types

Ever get confused about all the different names there are for short-term loans?
No problems... we explain them all here, in clear and easy terms.

If you know what you need a loan for and how much you'd like to borrow, you can apply online or visit your nearest Cash Converters store to speak to one of our friendly staff and apply in person.

Frequently Asked Questions
  • Do I have to be an Australian resident?

    To apply for a Personal Loan, you'll need to be an Australian resident.

  • What if the majority of my income is from Centrelink?

    We can help but there are some rules we have to follow. Your debt repayments can’t be more than 20% of your Centrelink income. For example, if you receive $700 per fortnight from Centrelink, your collective repayments on all short-term cash loans cannot exceed 20% of that amount, i.e. $140 per fortnight. That includes your loans with other lenders.

  • Do I get instant approval for a Personal Loan?

    Though we don’t offer instant approval, we’ll only need to see your documentation once your application is accepted. The sooner we have all the documentation we need to determine if a loan is suitable, the quicker you will have a result. Depending on who you bank with, the loan funds may be in your account within 20 minutes of approval.

  • Can I apply if I have a bad credit history?

    Yes, you are still eligible to apply. Credit history only forms one part of the applications process and other information, such as employment and expenses, is also considered as part of the assessment.

  • How long before I get the money?

    It depends on who you bank with. Assuming we have all the supporting documentation we need to assess your loan suitability, the funds could be in your bank account within 20 minutes after receiving approval for Personal Loans, depending on your bank.

  • Can I apply if I am in a Part 9 Debt Agreement?

    If you are currently in a part 9 Debt Agreement, we are unable to process your loan application. However, if you have previously been in a part 9 Debt Agreement which has been successfully discharged, we'll assess your application on your current situation.

It's so simple ...great customer service and no waiting period ..
Hilal, Fountain Gate VIC
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Who is Eligible?

Even if you have a less than perfect credit history, you may still be eligible for a loan.

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Everything you need to know about Cash Converters' loans.

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Fee Disclosures

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 an Annual Cost Rate of 48%. For example, a medium loan of $3,000 borrowed over 1 year would equate to a total amount payable of $4,303 (including a $400 establishment fee). The maximum loan term is 24 months for medium amount loans.

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. The maximum annual percentage rates on our loans is 217.95%.