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.
We approved over 274,000 cash loans for our Australian customers in 2024 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 Line of Credit or visit a store to secure a short-term loan through pawnbroking.
Loan Amount
Loan Term
Fees
Method of Payment
How do I apply?
$2,050 - $5,000*
4 - 24 months
Funds transferred to your bank within minutes once loan offer accepted
$400 - $2,000
2 - 12 months
Funds transferred to your bank within minutes once loan offer accepted
$50 - $2,000
4 - 20 weeks
Cash on the spot in-store**
$400 - $5,000
Funds transferred to your bank within minutes once loan offer accepted
*Deposit into bank account up to a maximum of $4,600, due to the establishment fee being financed under MACC loan.
**Only available at participating stores.
Please see our Target Market Determination for more details.
Apply for up to $5,000* in-store or online with manageable repayments over a fixed term.
Simply bring an item of value to leave with us as collateral for a secured, short-term loan.
If you’re an existing Personal Finance customer you can apply to access up to $5,000 and request a redraw from an approved credit limit.
Yes, you can apply for a Personal Loan or Line of Credit online. The Personal Loan application and Line of Credit application are easy and can be completed in just 10 minutes. Alternatively, you can also apply for short term loans in-store.
You can borrow up to $5,000* with our range of Personal Loans and Line of Credit.
Cash Converters offers a range of loan options such as Personal Loans, Line of Credit and Pawnbroking.
Applying for a Cash Converters personal loan online takes a few minutes. |
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. |
With over 150 stores across Australia, we're always here to help. Find your local Cashies today. |
Complete our online form and we'll get back to you shortly. Or, get in touch with your local store.
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
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 repaid by monthly payments over 1 year would equate to a total amount payable of $4,348 (including a $400 establishment fee). The minimum loan term is 4 months and a maximum of 24 months.
Our Line of Credit product does not incur an establishment fee and interest is at 48% per annum. For example, a line of credit of $4,000 repaid by monthly payments over 3 years would equate to a total amount payable of $7,616. The maximum repayment term for a credit limit of up to $2,000 is 18 months; and the maximum repayment term for a credit limit over $2,000 is 36 months. This example has been calculated on a specified credit limit with the assumption that the debtor has drawn down the maximum amount of credit as agreed to under a contract.
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% and the maximum APR on our Line of Credit is 48%. These calculations do not account for potential additional fees and charges, such as default charges, which may be incurred.
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