In-store and Online Cash Loans while receiving Centrelink payments

Just because you're receiving Centrelink payments doesn't mean you can't get a loan.

If you’re receiving Centrelink payments, you may still qualify for a Cash Converters loan. You can apply for up to $2,000 in-store or online for anything from a car repair to an unexpected vet bill.

Applying for a loan with us, even if you receive Centrelink payments, is a fast and simple process. It'll only take a few minutes to fill out our online application, with money in your account within 24 hours after the loan is approved.

Learn more about all our loan options, including our Small Cash LoansCash Advance or Pawnbroking loans.

If you have questions about whether a Cash Converters loan is right for you, come in-store and talk to our friendly personal finance team or call us on 13 CASH.

Find our cash loan options for people who receive Centrelink repayments


Small loan

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

Find out more


Cash Advance

Apply in-store for up to $2,000 cash in your pocket. A simple application process and manageable repayments over 4 to 20 weeks.

Find out more



Simply bring an item of value to leave
with us as collateral for a secured,
short-term loan.

Find out more

Personal Loan options

  Small Loan Cash Advance
Loan Amount $400 - $2,000 $50 - $2,000
Loan Term 2 - 12 months 4 - 20 weeks
How do I apply? Apply online or in-store Apply in-store only
Method of Payment Funds transferred to your bank within 24 hours of approval Cash on the spot in-store
Fees 20% establishment fee and 4% flat monthly fee 20% establishment fee and 4% flat monthly fee
  Apply Now Find a store

Please see our Target Market Determination for more details.

Loans while receiving Centrelink FAQs

  • What is the process for applying for a personal loan for people who receive Centrelink payments?

    1. Apply
    It takes less than 10 minutes to apply for a small cash 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.

    During the application process, you'll be asked to provide your Centrelink Income Statement showing your Centrelink payments, along with your other supporting documentation. Our application portal links to Centrelink and MyGov to make it easy to provide this documentation during the application process.

    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 within 24 hours.

  • Who is eligible for a cash loan while receiving Centrelink payments?

    1. 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.

     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. Can I still apply if all my income is from Centrelink payments?

    If you are receiving Centrelink payments you could qualify for a Cash Converters loan.

    This applies to Centrelink income customers including pensioners, people with a disability, carers, and JobSeekers.

     4. 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.


    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.

  • How much can I borrow with Cash Converters if I’m receiving Centrelink?

    With our Cash Advance (available in-store only), you can borrow any amount from $50 to $2,000 with a repayment term of 4 – 20 weeks.

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

  • What we need from you when you apply for a cash loan while receiving Centrelink?

    • 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.

  • What can a cash loan while receiving Centrelink benefits be used for?

    Life emergencies spare no one. Whether it’s a small loan or a Cash Advance, here are some of the ways our customers use the money they receive from a cash loan:

    • Small medical emergency bills
    • Small dental bills
    • House bonds
    • Moving house cost
    • Urgent house repairs
    • Urgent car repairs or parts replacements
    • Urgent white good repairs like your fridge, washing machine or heaters
    • Back-to-school expenditures like school uniforms, books or activities
    • Vet bills

  • Is there a credit check?

    We do credit checks for Personal Loan applications only, this will leave a general finance inquiry on your credit file. However, as long as your current financial situation is stable, we will consider your loan application.

  • Do I get instant approval for a Personal Loan?

    Though we don’t offer instant approval, we’ll only need to see your documentation once your application is accepted. The sooner we have all the documentation we need to determine if a loan is suitable, the quicker you will have a result. Depending on who you bank with, the loan funds may be in your account within 20 minutes of approval.

  • How long before I get the money?

    It depends on who you bank with. Assuming we have all the supporting documentation we need to assess your loan suitability, the funds could be in your bank account within 20 minutes after receiving approval for Personal Loans, depending on your bank.

  • I think I have a bad credit history, can I apply for a Small Cash 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.

Need help? Get in touch today

Contact us icons_Phone Icona.jpg

Call us

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

Contact us icons_Laptop Icon.jpg

Contact us

Complete our online form and we'll get back to you shortly. Or, get in touch with your local store

Contact us icons_Email Icon.jpg

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%.