Whether online or in-store, we assess each application in person so a human, not a computer, assesses your cash advance or personal loan application. So, depending on affordability, you may still be able to get a loan, even if you have less than perfect credit history.

  • I’m an Australian Resident
    To apply for a Personal Loan, you need to be an Australian resident. Non-resident Australians can apply for a Cash Advance loan in-store
  • I’m over the age of 18
    To be eligible to apply for a Cash Loan, you have to be over the age of 18 years old.
  • I’m not currently in Bankruptcy or a Part 9 Debt Agreement
    If you are currently in a Part 9 debt agreement or currently in bankruptcy 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 will assess your application on your current situation.
  • I’m currently employed or receive Centrelink benefits
    If you are receiving Centrelink payments you could qualify for a Cash Converters loan, however your total repayments for all of your loans can't be more than 20% of your Centrelink income.
  • I have taken out two small loans* in the last 90 days, can I still apply?
    If you have had 2 or more small loans within a 90 day period, you may still be eligible to apply based on affordability and your individual financial circumstances.

    *A small loan (Small Amount Credit Contract or SACC) is a loan up to the value of $2000 with a repayment period of 16 days to 1 year.

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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Cash Loans Online

With a fixed term and manageable repayments, what are you waiting for?

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What we need from you:

  • The latest 90 days of your bank account transaction history for the account your income is deposited into
  • Identification details (i.e. Drivers licence)
  • A current Income Statement if you receive a Centrelink payment

For more information view our Frequently Asked Questions.

Fee Disclosures

Our Small Personal Loans incur an Establishment Fee equalling 20% of the amount borrowed and a monthly fee of 4% of the amount borrowed. Our Medium Personal Loans incur and establishment fee of $400 and interest at an annual cost rate of 48%. For example, a small loan of $1000 over 9 months has fees and charges totalling $560 (1 x $200 + 9 x $40) therefore a total repayment of $1560. The maximum annual percentage rates on our loans is 162.5%. The minimum loan term is 4 months and a maximum of 12 months for small amount loans and 24 months for medium amount loans. Online applications have a default 9 month term. 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.