Apply for a personal loan for Christmas online or in-store

With our Christmas personal loans you can borrow up to $5,000* and can help spread your celebration related costs over a few months to turn a stressful time into a relaxing festive season.

Whatever your need might be, our friendly team will help give you the information so you can make a decision on what personal loan for Christmas is right for you.

Our personal loan application process is easy, whether you choose to apply online or in-store and once approved, money can be transferred to your account within 24 hours, so you can get back to what matters as quickly as possible. Explore all of our online personal loans and in-store options.

Or if you're ready to start, let's get going with your online application.

Personal loans for Christmas available at Cash Converters


Small loan

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

Find out more


Medium Loan

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

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Woman receiving a cash advance in store

Find a store

Visit our friendly team in-store to see which one of our personal loan options is right for you.

Find your local store


Personal Loan options

  Small Loan Medium Loan
Loan Amount $400 - $2,000 $2,050 - $5,000*
Loan Term 2 - 12 months 4 - 24 months
How do I apply? Apply online or in-store Apply online or in-store
Method of Payment Funds transferred to your bank within 24-48 hours of approval Funds transferred to your bank within 24-48 hours of approval
Fees 20% establishment fee and 4% flat monthly fee $400 establishment fee* and 48% per annum
  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.

Other ways we can help



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

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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 instant cash for items of value that you no longer use like a guitar, computer, jewellery, smart phones, tool sets and more.

Find out more


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 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 Small Personal Loans. The maximum APR on our Medium Personal Loan is 144.02%.