When you need some help and time is of the essence, our emergency loans could be the right solution for you. Cash Converters has a few loans options that, upon approval, could grant you anywhere between $50 and $5,000.*
We approved over 274,000 cash loans for our Australian customers in 2024 alone.
Our Cash Advance loans applications are assessed at participating stores by our friendly staff, and once approved, could lead you to receive cash on the spot, from $50 up to $2,000. Our Personal Loans applications can be completed online within 10 minutes for any amount between $400 and $5,000*. Funds are transferred to your bank within minutes once the loan offer is accepted.
It’s easy to apply, simply visit the friendly team in-store or apply for a Personal Loan online. You can also give our friendly Personal Finance Team a call, who will be happy to help with those trickier questions that are unique to your personal finance situation.
We don’t judge. We review every application, no matter your credit history, whether you think it’s good or bad.
You can apply for a personal loan online, in-store or on the My Loans app. The application process is easy and only takes a few minutes.
Once your loan application is approved and loan offer accepted, the funds are transferred to your bank within minutes.
Keeping track and managing your personal loan repayments is easy with our My Loans app.^
^Excluding Cash Advance
The same eligibility conditions mentioned earlier also apply for a Line of Credit loan. You also must be an existing Cash Converters personal finance customer.
Subject to eligibility and lending criteria being met and personal circumstance being assessed. View FAQ below for additional personal circumstances criteria.
We’re committed to responsible lending, we take a close look at the information and documents you provide to ensure you can afford it. We offer cash loan solutions to meet your needs and situation to help you get on with your life.
If you're ready to start, let's get going with your online application.
It only takes up to 10 minutes to apply for a cash loan online. You can also visit your local Cashies store to apply in person and chat to one of our friendly team.
If you are an existing Cash Converters personal finance customers and eligible for a Line of Credit, apply via My Loans or in-store.
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We’ll validate the information that you have submitted to make sure we’re lending you the right amount and it meets your needs.
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If approved, the cash is transferred directly to your nominated bank account within minutes.
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 - $10,000
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 in-store or online
for up to $2,000 over a
2 to 12 month term.
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.
Visit our friendly team in-store to see which one of our personal loan options is right for you.
1. What if I'm receiving Centrelink payments?
If you are receiving Centrelink payments you could qualify for a Cash Converters loan.
2. 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.
3. 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 2 months to 1 year.
For more information view our Frequently Asked Questions.
With our Cash Advance (available at participating stores 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.
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 a 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 $2,001 or over.
Our Cash Advance Loans do not take your credit history into account and won't affect your credit score.
If you are considering applying for a Small or Medium Loan, you could still be eligible.
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.
Life is unpredictable and things don’t always go to plan. When we find ourselves in a time sensitive financial situation, Emergency Loans are great for helping with issues like:
We consider all types of income, including Centrelink income. If you are receiving Centrelink payments you could qualify for a Cash Converters Loan. We will consider your application and assess it based on your current financial circumstances. However, your total repayments for all of your loans can't be more than 10% of your Centrelink income and you must meet our eligibility and lending criteria.
We do credit checks for Personal Loan and Line of Credit 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.
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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