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You Apply Online

It’s easy to apply for a cash loan online. You can use your computer, smartphone or tablet. Less than 10 minutes is all it takes.

We Check & Confirm

We check the information that you have submitted to make sure we’re lending you the right amount and it meets your needs.

You Are Approved!

Success! Sign your electronic loan contract, and we’ll transfer the money to your bank account.

Getting a Personal Loan from Cash Converters is quick and simple. 

First, you tell us how much you'd like to borrow.

Next, we look closely at all the information you've provided to make sure the cash loan amount not only suits your requirements but your income and expenses too. 

Once approved, the cash is transferred directly to your nominated bank account. 

Alternatively, visit your nearest store to apply for a Cash Advance loan.

What we need from you:

  • Access to the latest 90 days of your bank account transaction history for the account your income is deposited into (you don't need to print these out, you just need to login to your internet banking when applying online or in-store)
  • Identification details (e.g. Drivers licence)
  • A current Income Statement if you receive a Centrelink payment

For more information view our Frequently Asked Questions.

Manage your loan online:

Once you are approved for a loan, you can see the status of your loan in real time, easily pay an upcoming amount or even payout your loan in full with My Loans.

You can access My Loans whenever you want just by logging in on our website, or if you have a smartphone you can download the Cash Converters My Loans app.

If you’re an existing Personal Finance customer, you can register for My Loans via the login at the top right corner of the page. 

Register Online


Our Loans Compared

Cash Advance loans are short-term cash loan options that are usually for smaller amounts of cash compared to other loans. You can apply for a Cash Advance loan at your nearest store.

Personal Loans are loans that are larger amounts of money borrowed for personal use. Once approved, the funds for your Personal Loan will be in your account at some point during the next business day.

Cash Advance - instore only

Loan amount - $100 - $2,000

Loan duration - 4 - 6 weeks (flexible loan terms may be available upon assessment)

Turnaround time - Same day - conditions apply

Cost - 20% Establishment fee + 4% monthly fee

Small Personal Loan - online or instore

Loan amount - $400 - $2,000 

Loan duration - 2 to 12 months

Turnaround time - 24 - 48 hours

Cost - 20% Establishment fee + 4% monthly fee

Medium Personal Loan - online or instore

Loan amount - $2,050 - $5,000*

Loan duration - 4 to 24 months

Turnaround time - 24 - 48 hours

Cost - $400 establishment fee (financed under loan) and 48% interest per annum

*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan.

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%.