If you’re looking for a loan this Christmas, with our 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 loan for Christmas is right for you.
Our loan application process is easy, apply for a personal loan 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 loans and in-store options.
Or if you're ready to start, let's get going with your personal loan online application.
Apply in-store or online for
between $2,050 and $5,000*
over a 4 to 24 month term.
If you’re an existing Personal Finance customer you can apply to access up to $10,000 and request a redraw from an approved credit limit. |
| 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 via My Loans 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 | 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.
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. |
Keep track of your loan, make payments, apply for a new loan and more, 24/7 with My Loans. |
With over 150 stores across Australia, we're always here to help. Find your local Cashies today. |
Give us a call on 13 CASH (132 274).
Mon to Fri: 9:00am to 7:00pm AEST
Send us an email and we'll get back to you as soon as we can
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 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.
