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.
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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. Our Medium Personal Loans incur a $400 establishment fee 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), resulting in a total repayment of $1560. The maximum annual percentage rates on our loans is 217.95%. The minimum loan term is 2 months and a maximum of 12 months for small amount loans and 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.