GET CASH DIRECT. FASTER!

482 Visa Loans within 60 minutes

Cash Loans From $2,001 to $10,000

beach_access Over 18
beach_access Australian Resident or Working Visa
beach_access Mobile and email contact
beach_access Regular income with validated bank account

What is a 482 Visa Loan?

We offer 482 Visa Loans for people on a 482-temporary visa, used for a range of loan purposes.  

A 482 visa is used to allow international workers the opportunity to work in Australia to cover temporary skills shortages. 

 This will typically be 2 years, and often a stay in Australia can be extended with a new Visa or application for Permanent residency.

Whether you are here temporarily, planning to work here for a few years, or getting set to become a permanent Australian resident, you may need a personal loan upfront or during your stay.

Many of the banks can offer some form of lending for Temporary Visa holders, but there are strict qualifications and the process can take considerable time and effort.

A Cash Direct 482 Visa Loan can be for anything from a Small loan of $200 to $2,000 with a shorter repayment period; but often we loan larger loans of $5,001 to $10,000 in the form of our Larger loans.

To see if you qualify, take a few minutes to apply for a Medium Visa loan today, click here.

We have been loaning money to 482 Visa holders from the Philippines and other countries for over 3 years and get a lot of enjoyment out of helping them in their time of need and watching them excel in their new Australian life over time.

How does a 482 Visa Loan work?

The 482 Visa Loan works the same way a normal personal loan works in Australia. You must go through an application process where your situation, credit, and bank statement profile will be reviewed to ensure you can meet the loan repayments.  You will then pay weekly installments to align with your income payment dates, to repay the loan over time.

We charge an upfront establishment fee and interest on the outstanding loan balance, and we do not charge extra fees for paying your loan off earlier.  

Learn more about our loan costs here.

Frequently Asked Questions

Will a 482 Visa Loan affect my Credit Profile?

Yes.  By being new to Australia, having a loan will provide an opportunity to set up a credit profile with Illion and Veda, the two major credit bureaus in Australia.  By paying your loan off consistently, it will support new positive credit reporting to show others that you are a strong credit profile.

How do I qualify for a 482 Visa Loan?

You have the following to qualify:

  1. A valid working visa that has at least 18 months to 2 years remaining
  2. A full-time employment position with income greater than $40,000 per year (pre-tax)
  3. A valid Passport that can be shown
  4. An Australian bank account and mobile phone number
  5. A valid email address

We will require references and validation of your monthly budget to ensure you are in a position to make your loan repayments comfortably.

To apply for a 482 Visa loan, click here.

Car Loan for a temporary work on 457 or 482 visa

If you qualify for our 457 or 482 Visa loan, you can also qualify for a 457 or 482 visa car loan.  We will require the same verification steps, and also need to take a collateral charge over the vehicle you buy, called a PPSR charge.  The PPSR is a Personal Property Securities Register, which is an electronic register that allows security interests in personal property to be registered and searched in accordance with the Australian Personal Property Securities Act 2009.

We can typically loan up to $10,000 with affordable repayments over 12-18 months.

 To apply for a 457, 482 Visa car loan, click here.

Visa Loans

The cost of Australian visas is not a small amount and goes up each year.  However, getting a visa update or upgrade is important to your path to prosperity in Australia.

At Cash Direct we offer Visa loans that can help you apply for your Visa sooner by making affordable weekly, fortnightly or monthly payments.

We have many years of experience helping fund the start up and visa costs of new migrants in Australia, and always excited to help new migrants in their journey to prosperity.

We can help finance your own visa requirements, or help you relocate your family to Australia.  We partner with Visa experts to help find the right path for you.

 

To be eligible, you must,

  1. Have a valid existing Visa or be a Permanent Resident of Australia
  2. You must have full time employment in Australia already
  3. You must be at least 18 years of age
  4. You must have regular income of at least $40,000 per year

To apply for a Visa loan, click here or call us on 1300 264 941

Existing Loan
How do I apply for a new loan?

It’s very easy and getting much easier now we know you!  All you need to do is follow these steps:

  • Login to your account by clicking the orange Existing Customer Login button on our website at www.cashdirect.com.au
  • Then, enter your email address and password for your account. It’s easy to reset if you’ve forgotten
  • Once in your account, just click new loan application button and tell us how much you want to borrow and for how long
  • We will then get an updated Bank statement from you and finalise your loan terms 
  • You then need to sign from your phone or computer the eSign Live contract 
  • We’ll transfer the funds to your bank account

Make sure you keep on top of your loan repayments and we’ll always put you in the Express Lane to get funds to you, when you need that help 

When can I apply for a new loan?

If you need another loan, just login and apply.  Generally, we have a one loan policy. So, we prefer you pay out your existing loan before we allow another.  In some circumstances we can consider a loan consolidation with your existing loan and others you may have.

How do I change my bank account?

You will need to make a request to do so and we will send you a link to update your bank account and direct debit authorisation.  It’s a very simple process and if you need help just call our friendly team on 1300 264 941

When do you take the payment from my bank account?

We typically take the payment from your account at around 4pm on the nominated payment day, or the next business day following a weekend day.  However, we can’t control when your bank will process the direct debit. If it is coming out too late or early, please call us on 1300 264 941 and we can adjust.

Do I get charged any fees if I miss one of my loan repayments?

Yes.  You will incur a $40 missed payment fee.  Further, that repayment is pushed out, so your loan is outstanding for a period which adds additional fee or interest expense.

Can I make up a missed payment?

Yes!  Please reach out to us at customerservice@cashdirect.com.au or 1300 264 941 and we can help you make up your payment by providing our Westpac bank details to make a transfer from either a Westpac branch or your online bank account.  Once you do, we can credit you any missed payment fees and avoid extra time cost on your loan.

How do the loan repayments work?

You will get a loan repayment schedule in your e-loan contract and can be found on your online account which you can view from your phone.  For each repayment, the money is taken from your bank account via a Direct Debit you have authorised as part of the sign-up process.

You can make up repayments missed or pay down earlier by paying separate amounts via an Electronic Funds Transfer process. 

Can I make an extra payment or pay my loan offer earlier?

For an extra repayment, please reach out to us at customerservice@cashdirect.com.au or 1300 264 941 and we will provide our Westpac bank details to make an electronic funds transfer from either a Westpac branch or your online bank account.  Once you do, we can credit your loan account and you will see the payment in your online account.

This can be done to pay your loan out earlier or making a catch-up payment.

What will payments look like in my bank account?

Generally, you will see the amount of the repayment and our name Cash Direct Pty Ltd.  You may also see a reference to our direct debit provider Split Pay.

If you are unsure about a payment, please reach out to us at customerservice@cashdirect.com.au or 1300 264 941

How do I know my payout figure, or how much I owe?

This is really simple, just login to our online account and it will show the remaining payments.  You can also get a payout figure if you pay on that day by reaching out to us at customerservice@cashdirect.com.au or 1300 264 941

The payout figure will be less than the total loan outstanding as it will not include future interest and / or fees.

Fees and Repayments

How much will my loan cost for a Small Loan?

A simple way of reviewing this is to look at the schedule.  Add up all your loan repayments and compare that to the amount loaned.  This will give you the dollar figure if you paid out to schedule.

For our small loans, your costs are simply calculated against the initial loan amount:

  • 20% Establishment Fee
  • 4% Monthly Maintenance Fee

Example for $500 Small Loan over 4 months

  • Establishment Fee: $100
  • Monthly Maintenance Fee: $20
  • Total cost: $180
How much will my loan cost for a Medium or Large Loan?

A simple way of reviewing this is to look at the schedule.  Add up all your loan repayments and compare that to the amount loaned.  This will give you the dollar figure if you paid out to schedule.

For Medium and Large loans, you will be charged an Establishment fee of up to $500, and an annual interest rate of between 28% and 48% depending on your credit profile.  The interest is only applied against your outstanding loan balance, not your initial loan amount.

How do the loan repayments work?

You will get a loan repayment schedule in your e-loan contract and can be found on your online account which you can view from your phone.  For each repayment, the money is taken from your bank account via a Direct Debit you have authorised as part of the sign-up process.

You can make up repayments missed or pay down earlier by paying separate amount via an Electronic Funds Transfer process. 

Can I make an extra Payment or pay my loan offer earlier?

For an extra repayment, please reach out to us at customerservice@cashdirect.com.au or 1300 264 941 and we will provide our Westpac bank details to make an electronic funds transfer from either a Westpac branch or your online bank account.  Once you do, we can credit your loan account and you will see the payment in your online account.

This can be done to pay your loan out earlier or make a catch-up payment.

Can I make an extra Payment or pay my loan offer earlier?

For an extra repayment, please reach out to us at customerservice@cashdirect.com.au or 1300 264 941 and we will provide our Westpac bank details to make an electronic funds transfer from either a Westpac branch or your online bank account.  Once you do, we can credit your loan account and you will see the payment in your online account.

This can be done to pay your loan out earlier or make a catch-up payment.

Will I get charged extra fees?

No. These are the set fees outlined above.  The only extra fee will be a missed payment fee. This is $40 for missing a payment without letting us know at least 24 hours in advance.  We can also credit this missed payment fee if you make it up within the same week.

We are very transparent in our fees, and unlike some payday lending approaches, our loans are designed to be paid simply over a longer period than normal to ensure you can afford you repayments.

Other Questions
How do I make a Complaint?

If you have a complaint about us, we want to speak to you and help you resolve it.  Most of the time we can resolve through our Internal Dispute Resolution Process (IDR), and want to keep you as a happy long-term customer.  

To make a complaint, please email us at customerservice@cashdirect.com.au or call us 1300 264 941.

We are a member of the Australian Financial Complaints Authority.  If we cannot resolve your complaint, we will refer you to AFCA to help resolve through this External Dispute Resolution process (EDR).

How do I report a fraudulent application?

Identity theft is when someone is using your details to attain financial advantage in some way.  This is loan fraud and a very serious matter. If this happens to you, please contact the police first and report the incident.  Then let us know so we can help you and the police resolve the issue. Always protect your online accounts and ID, and never allow another person access to your bank or loan account.

In the event of suspected fraud please call us on 1300 264 941 or email us at customerservice@cashdirect.com.au

How do I talk to someone?

You can reach us during business hours, which are 8.30am to 5pm Monday to Friday, except public holidays.  Please call us on 1300 264 941 or email us at customerservice@cashdirec.com.au and  we’ll call back at a time that suits you.

What can I do about financial hardship?

If you are experiencing financial hardship, please reach out to us on 1300 264 941 or email customerservice@cashdirect.com.au

We will work with you to get through a tough period.  

We will ask you to complete a statement of financial position and explain your financial pressure points so we can help find a solution forward.  You can find a SOFP from the link below:

https://www.afca.org.au/make-a-complaint/financial-difficulty/sofp/

A Statement of Financial Position is a secure online form that you can complete, which records key information on your current financial situation and how you propose to repay your debts. The form generally takes 10–15 minutes to complete.

You only need to enter your financial information and the electronic form will do the calculations for you. The form will also step you through a series of options to help you work out what kind of help you might need.

You need to know:

  • what you earn
  • what you owe
  • what your living expenses are
  • what you own.
What is a Small Loan or SACC Loan?

A SACC is a Small Amount Credit Contract, a small loan.  This has been defined by the National Consumer Credit Protection ACT (NCCP Act 2009) as having:

  • A credit limit or loan amount of $2,000 or less
  • A loan term in the contract of at least 16 days but no longer than 1 year
  • The debtor’s (borrower’s) obligations under the contract are not, and will not be, secured.  It’s an Unsecured cash loan
What is a Medium Loan or MACC Loan?

A MACC is a Medium Amount Credit Contract, a medium loan.  This has been defined in the National Consumer Protection Act (NCCP Act 2009) as having:

  • The credit limit or loan amount of at least $2,001, but no more than $5,000
  • A loan term of the contract is at least 16 days nut not longer than 2 years
What is a Large Loan or LACC Loan?

A LACC is a Large Amount Credit Contract, a larger loan.  This has been defined in the National Consumer Credit Protection Act (NCCP 2009) as having:

  • A credit limit of at least $5,000, but no more than $10,000
  • The term of the contract is at least 13 months but no longer than 2 years

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