Cash loans in Adelaide made possible

When it comes to cash loans, you would've heard down the grapevines in Barossa Valley how much we love lending a helping hand when life doesn't go to plan. You can apply for a loan online or, if you’d rather talk to someone face to face, you can always walk into one of our stores in Adelaide.

With over 15 stores across SA, from Salisbury, and Port Adelaide, to Mount Barker, we make it possible for you to chat to one of our friendly personal finance staff in person. They can help answer any questions you might have before you apply, so you can make an informed decision on what is right for you.

Our Line of Credit and range of personal loans start from $400 to $10,000 and can be used on a variety of things like vet bills, car repairs, or that unexpected dental bill, with a repayment period of up to 36 months.

Just in 2023 alone, we approved over 264,000 loans to Australian customers with varying financial situations.

Explore all our online and in-store loan options, including a small personal loan, medium personal loan and Line of Credit.

Discover all our Loan Options at our Adelaide Locations

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Small Loan

Apply in-store or online
for up to $2,000 over a
2 to 12 month term.

Find out more

 

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Medium Loan

Apply in-store or online for
between $2,050 and $5,000*
over a 4 to 24 month term.

Find out more

 

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Line of Credit

Apply online or in-store to access up to $10,000, with the ability to request a redraw from an approved credit limit whenever you need.

Find out more

 

 

Our Loan options

  Small Loan Medium Loan Line of Credit
Loan Amount $400 - $2,000 $2,050 - $5,000* $400 - $10,000
Loan Term 2 - 12 months 4 - 24 months 18 months for up to $2,000 and 36 months for $2,001 or over
How do I apply? Apply online or in-store Apply online or in-store Apply online or in-store
Method of Payment Funds transferred to your bank within minutes once loan offer accepted Funds transferred to your bank within minutes once loan offer accepted Funds transferred to your bank within minutes once loan offer accepted
Fees 20% establishment fee and 4% flat monthly fee $400 establishment fee* and 48% per annum No establishment fee and 48% per annum
  Apply Now Apply Now Apply Now
 

*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.

Adelaide Cash Loan FAQs

  • What is the process to get a Small Loan, Medium Loan or Line of Credit?

    1. Apply
    It takes less than 10 minutes to apply for a loan online using your computer, smartphone or tablet. You can also visit your local Cashies store to apply in person and chat to one of our friendly staff members.

    2. Check and confirm
    We’ll validate the information that you have submitted to make sure we’re lending you the right amount and it meets your needs.

    3. Approval
    If approved, the cash is transferred directly to your nominated bank account.

  • What we need from you when you apply for a Loan in Adelaide?

    •  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 (Like a Drivers licence).

    •  A current Income Statement if you receive a Centrelink payment.

    For more information view our Frequently Asked Questions.

  • How much can you borrow if I choose a Small Loan, Medium Loan or Line of Credit?

    With our Small Loan, you can borrow any amount from $400 to $2,000 and the repayment period is 2 to 12 months.

    With our Medium Loan, you can borrow any amount from $2,050 to $5,000* with a repayment period of 4 to 24 months.

    With our Line of Credit you can borrow any amount from $400 - $10,000 with a repayment period of 18 months for up to $2,000 and 36 months for $2,000 or over.

  • Who is eligible for a Cash Loan at Cash Converters, do I need to be a Adelaide resident?

    1. I’m an Australian Resident
    To apply for a Personal Loan or Line of Credit, you need to be an Australian resident.

    2. I’m over the age of 18
    To be eligible to apply for a Cash Loan, you must be over the age of 18 years old.

    3. 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.

    4. What if I'm receiving Centrelink payments?
    If you are receiving Centrelink payments you could qualify for a Cash Converters loan.

    5. I have taken out two small loans* in the last 90 days, can I still apply?
    If you have had two or more small loans within a 90 day period, you may still be eligible to apply based on affordability and your individual financial circumstances.

    6. What if I have existing small loans?
    If you have existing small loans you could still qualify for a Cash Converters loan, however your total repayments for all your small loans can’t be more than 10% of your net income.

    *A small loan is a loan up to the value of $2,000 with a repayment period of 16 days to 1 year.

  • I think I have a bad credit history, can I apply for a Loan at Cash Converters?

    Although a good credit score will improve your chances of approval, we understand that people go through rough patches in life. That’s why our loans make getting on with life possible in a lot of circumstances. Even if your credit score isn’t as high as you would like, we can still consider your application and assess it based on your current financial circumstances, as we consider a variety of factors when approving a cash loan application.

  • Can I apply for a Loan in one of your Adelaide stores?

    If you are considering applying for a Small Loan, Medium Loan or Line of Credit, there are two ways to go about it. You can go through the easy application process available online or you can apply from one of the Adelaide stores.

    Find your nearest SA and Adelaide stores.

Other ways we can help

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Line of Credit

Apply online or in-store to access up to $10,000, with the ability to request a redraw from an approved credit limit whenever you need.

Find out more

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My Loans

Keep track of your loan, make payments, apply for a new loan and more, 24/7 with My Loans.

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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.

Find out more

Need help? Get in touch today

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Call us

Give us a call on 13 CASH (132 274).
Mon to Fri: 9:00am to 7:00pm AEST

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Contact us

Complete our online form and we'll get back to you shortly

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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 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 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.