Car Loans
Flexible Car Loans
for Pensioners
Car and Vehicle Loans From $2,000 to $25,000.
We could help you buy your dream car in Australia.
Fast Approval Process
All Vehicle Types
Centrelink Friendly
Car & Vehicle Loans
Faster … Pensioner Car Loan. No Deposit.
Cash Direct is a pioneer in fast, paperless loans. In fact, on approval, funds are transferred into your bank account in 60 seconds, any day of the week.
We now use this fast loan technology to help you with a faster Car or Vehicle Loan, 365 days a year.
We provide loans for all sorts of cars bought privately, online or through a dealer. We’ll even fund other types of vehicles from motorbikes, caravans to boats and even scooters!
When you strike a deal to purchase that perfect car or any vehicle, at the perfect price – you need a funder in your corner who can quickly wrap up the deal. Cash Direct provides a simple Pre-Approval Process so you can shop confidently for your car or vehicle. Then when you strike the deal, we can help you make the payment with confidence and speed.
If you are at least 18 years old, earn income of $500 per week, have a phone and bank account – you can get a Cash Direct loan for your next Car or Vehicle purchase, with no deposit required.
Funds in 60 seconds
On approval, any day
of the week.
Simple Steps for your Used Loan:
Set your purchase budget.
Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
Get Pre-Approval from Cash Direct.
Share your simple personal details, budget information and intended Car or Vehicle Purchase.
Shop Around.
Haggle and find your best deal.
Provide Vehicle and Seller Information to Cash Direct to finalise your Loan.
We fund the loan, often directly to the seller.
You drive off!
Car & Vehicle Loans
Our Pensioner Loans
Apply for a Used Car Loan.
Our Cash Direct Pensioner Car loans are perfect for when you are ready to start shopping around for your next car, but perhaps you are earning some or all of your income from a Centrelink Pension. At Cash Direct, we believe that if you have a responsible budget and good credit history, we can provide affordable car loan options, to allow you to secure your new or used car. While other traditional lenders may say no, we will aim to find a way to say yes.
We loan from as little as $2,000, up to $25,000 for a Pensioner Car Loan. Start with a Pre-Approval so you know how much you can borrow, with loan repayments aligned with your budget. Our Specialist team can help you understand options on the term and payment schedule to meet your budget.
With a Cash Direct Loan Pre-Approval, you can shop for your car with confidence. Haggle a little – get the best car for your budget, Pre-Approved amount. You can buy online, privately or from a dealer. The key is to shop widely and avoid any middleman costs, so you can get the best deal.
Once you have agreed the deal, we’ll need a couple of things to finalise the loan:
Details of the seller, as we will typically pay the seller directly
The car registration and a photo
A link to the cars advertising feature if bought online, or details from the dealer
Once we have all this wrapped up, we’ll fund the required balance for your used car purchase, and activate your new loan. If you’d like to estimate repayments for a Car Finance try our Car Finance Loan Calculator.
Funds in 60 seconds
On approval, any day
of the week.
What is a
Centrelink Used Car Loan?
Our Centrelink Friendly Used Car Loan is designed to be affordable car loans for our customers on lower income or receiving all or most of their income from Centrelink Benefits. We can typically offer used car loans from $2,000 to $10,000 based on your income level, and repaid over 1-3 years. You will need to show that you have validated and regular Centrelink income in your nominated bank account.
To learn more about our Centrelink Loans, click here
Why choose Cash Direct
Why Thousands
are choosing
Cash Direct Loans
Simple, fast and built around you. Designed to make borrowing feel easier, safer and more convenient.
Trusted by thousands of Australians
Real people. Real support. Real results.
01
Easy. 100% Online Process
With our easy online process and digital signing, there is no more messy paper clutter!
02
Fast. Online decisions and payments
Get a fast decision, sign online and eligible payments may be sent quickly with OSKO instant payment.
03
Membership. Get your own
Cash Direct member account.
Once you are a Cash Direct member with good payment history, you can be eligible for our Express Cash Direct loan approval process. You'll always have a back stop in your time of need.
What Our Customers Say
Recent Car Loan Reviews
Our car loans have helped thousands of people get their dream car
“Applying for a loan is very easy, no rushing to bank for statements etc. Staff are fantastic, friendly and solve any issue quickly. I love the fast track option when you are a good customer. Cannot fault!”
Kim
“Easy, efficient and great customer service!”
Samantha
“Because Cash Direct really helps those in need. Very accommodating with all the inquiries. Fast and reliable transactions guaranteed.”
Tameika
“Cash Direct are easy to deal with, from the initial application process and throughout the term of the loan.”
Lilian
Secure the funds you need
with deserved service.
Car loans without all the usual hassle and wait time.
Securing a pre-approved CashDirect Loan empowers you, providing the knowledge of your specific borrowing capacity even before you engage with a car seller. Furthermore, it provides a speedy transaction experience and alleviates concerns about car financing, ensuring a smoother, hassle-free car purchasing journey
- 01Select a budget for VehicleSet your purchase budget. Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
- 02Get Pre-Approval from Cash DirectGet Pre-Approval from Cash Direct. Share your simple personal details, budget information and intended Car or Vehicle Purchase. It’s a practical and smart step in the vehicle purchasing process.
- 03Shop Around. Haggle and find your best deal.With a pre-approved Vehicle Loan from Cash Direct you can start your car hunting journey with ease. Find and lock in on the best deal for your dream car.
- 04Provide Vehicle and Seller InformationAfter selecting your dream car and finalising a good deal, provide vehicle and seller information to Cash Direct to finalise your Loan.
- 05Get your new carWe fund the loan, often directly to the seller. You drive off!
*Car loans without all the usual hassle and wait time.
We Help
Why thousands of people choose cashdirect
We Help by saying yes, when others won’t, or just take too long.
Personalised
Service
Our friendly team is here to guide you through the process, answer your questions and help get your application moving quickly.
“We Help” is our simple mantra
Express Cash for
CD Members
Sign up as a Cash Direct member with your first loan, and it's a breeze to borrow again when you need it.
Paid within 60 minutes
Affordable
Repayments
Choose the amount, the length of the loan, and how often you repay — weekly, fortnightly or monthly.
Weekly
Fortnightly
Monthly
100% Online
Loans
Cash Direct is a 100% online lender. Manage this loan and your next from your CD Online Account.
No early repayment or exit fees
A licensed Australian lender
Cash Direct Pty Ltd · ACN 129 259 605 · Australian Credit Licence 393862
Responsible lending — every application is assessed against your income and expenses.
Car & Vehicle Loans We Offer at cashdirect
Providing a wide variety of flexible loan options for different types of vehicles.
FAQ
Frequently Asked
Questions
Find quick answers to common questions about
Cash Direct small cash loans in Australia.
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Quick Process
Simple, fast &
hassle-free
Here to Help
Support when
you need it