Extra cash with our online and in-store cash loan options
We know that life doesn’t always go to plan and that the unexpected happens. That’s why Cash Converters has a range of short-term cash loans online and in-store to suit you.
Borrow up to $5,000* with our range of personal loans and $45,000 if you apply for a car loan.
We approved over 255,000 cash loans for our Australian customers in 2022 alone.
We review every application, no matter your credit history, whether you think it is good or bad. As a responsible lender, we take a close look at the information and documents you provide to ensure your loan is suitable and meets your specific needs and situation to help you get on with your life.
Browse our quick online loan options including personal loans and car finance or visit a store to secure a short-term loan through pawnbroking.
Personal Loan options
| Medium Loan | Small Loan | Cash Advance | PayAdvance | |
|---|---|---|---|---|
| Loan Amount | $2,050 - $5,000* | $400 to $2,000 | $50 - $2,000 | Up to $150 |
| Loan Term | 4 - 24 months | 2 - 12 months | 4 - 20 weeks | Pay back the PayAdvance over one or two pay cycles |
| How do I apply? | Apply online or in-store | Apply online or in-store | Apply in-store only | Apply via the MyLoans app |
| Method of Payment | Funds transferred to your bank within 24 hours of approval | Funds transferred to your bank within 24 hours of approval | Cash on the spot in-store | Funds tranferred to your bank straight away |
| Fees | $400 establishment fee* and 48% per annum | 20% establishment fee and 4% flat monthly fee | 20% establishment fee and 4% flat monthly fee | 5% fixed fee |
| Apply Now | Apply Now | Find a store | More info | |
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan
Please see our Target Market Determination for more details.
Personal Loan options
| Medium Loan | Small Loan | |||
|---|---|---|---|---|
| Loan Amount | $2,050 - $5,000* | $400 to $2,000 | ||
| Loan Term | 4 - 24 months | 2 - 12 months | ||
| How do I apply? | Apply online or in-store | Apply online or in-store | ||
| Method of Payment |
Funds transferred to your bank within 24 hours of approval |
Funds transferred to your bank within 24 hours of approval | ||
| Fees | $400 establishment fee* and 48% per annum | 20% establishment fee and 4% flat monthly fee | ||
| Cash Advance | Pay Advance | |||
|---|---|---|---|---|
| Loan Amount | $50 - $2,000 | Up to $150 | ||
| Loan Term | 4 - 20 weeks | Pay back the PayAdvance when your next pay comes in | ||
| How do I apply? | Apply in-store only | Apply via the MyLoans App | ||
| Method of Payment | On the spot cash in-store | The cash is transferred straight away after approval | ||
| Fees | 20% establishment fee and flat monthly fee | 5% fixed fee | ||
| Find a store | More info | |||
Please see our Target Market Determination for more details.
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan
Our online and in-store loan options
Personal Loans
Apply for up to $5,000* in-store or online
with manageable repayments over a
fixed term.
Pawnbroking
Simply bring an item of value to leave
with us as collateral for a secured,
short-term loan.
Car Finance
Car finance that gets you moving. Easy application process and fast approval with vehicle loans available up to $45,000.
Frequently Asked Questions about our Loans
-
Can I apply for a cash loan online?
Yes, you can apply for a Personal Loan or Car Loan online. The Personal Loan application is easy and can be completed in just 10 minutes. Alternatively, you can also apply for short term loans in-store.
-
How much can I borrow with your online loans?
You can borrow up to $5,000* with our range of Personal Loans and $45,000 if you apply for a Car Loan.
-
What type of loans does Cash Converters offer?
Cash Converters offers a range of loan options such as Personal Loans, Car Finance and Pawnbroking.
Other ways we can help
My Loans
Keep track of your loan, make payments,
apply for a new loan and more, 24/7 with My Loans.
Find out more
Sell to us
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.
Need help? Get in touch today
Call us
Give us a call on 13 CASH (132 274).
Mon to Fri: 9:00am to 7:00pm AEST
Contact us
Complete our online form and we'll get back to you shortly. Or, get in touch with your local store
Email us
Send us an email and we'll get back to you as soon as we can
Responsible Lending
We’re responsible lenders and we want to make sure our customers are at the heart of everything we do to help find the right cash solution to make life possible.
We'll take a close look at the information and documents you provide us - including details of why you need the cash loan and how much you need to borrow, plus things like 90 days of bank statements, any existing credit card debt, and a careful assessment of your living expenses.
We do all this to ensure your cash loan is suitable, and meets your specific needs and situation to help you get on with your life.
If you have any questions about your application and how we assess, talk to one of our personal finance team members
Fee Disclosures
Our Cash Advance Loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $100 over 4 weeks has fees and charges totalling $24 (1 x $20 + 1 x $4), resulting in a total repayment of $124. Cash Advance Loans are only available in-store with a minimum loan term of 4 weeks. The minimum term is 4 weeks and a maximum of 20 weeks.
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 borrowed over 1 year would equate to a total amount payable on average of $4,258 (including a $400 establishment fee). The minimum loan term is 4 months and a maximum of 24 months.
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 Cash Advance Loans or Small Personal Loans. The maximum APR on our Medium Personal Loan is 144.02%.
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