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60 Second Cash Loans

Fast Cash in 60 Seconds via OSKO

Cash Loans from $200 to $5,000

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Small Cash Loan icon

Loans from

$200

to $5,000

Paid in 60 seconds

Repay over 1–12 months

Weekly or fortnightly repayments

Loans from

$200

to $5,000

Paid in 60 seconds

Repay over 1–12 months

Weekly or fortnightly repayments

What is a 60 Second Cash Loan?

The world of lending is racing ahead, and its now possible to have a new loan transfer the funds into your account within 60 seconds. Get an instant loan online with quick approval and fast disbursal when you need cash urgently.

How is this so? This is now possible due to a new payments system called OSKO, with Real Time Bank Processing. OSKO is a service provided by BPAY that facilitates faster payments in Australia through the New Payments Platform (NPP).

By leveraging all this new technology, OSKO makes it possible for Australians to enjoy the convenience of immediate, secure, and reliable payments, directly into their nominated bank accounts – 7 days per week, 24 hours per day.

New age lenders such as Cash Direct now allow you to apply online, with a 100% paperless solution, connect with your nominated bank, and therefore use OSKO to fund your loan now in seconds.

Before this happens, the lenders will require you follow key application steps including providing your key identification information and a 90-day bank account. Upon approval you will sign a contract electronically and confirm your bank details for the OSKO payment and Direct Debit Authority, with funds transferred into that bank account in seconds.

With some lenders like Cash Direct, once you are a member, much of this is already set up so the process of applying, approval and funds is compressed to minutes and very little work from your end. A great back stop for an emergency or rainy day.

Cash Direct is a leading provider of fast, easy, paperless Cash Loans, anywhere in Australia. You can apply in minutes, and once approved your cash is transferred into your account in 60 seconds, any day of the week.

If you are at least 18 years old, earn income, have a phone and bank account – you can get Cash Direct.

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A phone showing an approved Cash Direct application, beside a mug and car keys

Our Cash Loans

Our Cash Direct Small Cash Loans are designed to help people deal with an unexpected expense, or those who don’t have a credit card and may have lower incomes, are temporarily unemployed, or receiving regular Centrelink Benefits. Our Small Cash Loans offer affordable repayments over longer periods of time than a typical Pay Day Loan. To make it easier to compare your options, you can use our Small Cash Loan Calculator and Pay Day Loan Calculator to estimate your repayments and find the right Centrelink loan for your needs.

What is a
Centrelink Cash Loan

Our Small Centrelink Loans are designed for our customers on lower income or receiving all or most of their income from Centrelink Benefits. We can loan amounts from $200 to $2,000 if you have validated and regular Centrelink income in your nominated bank account.

For new customers, if you have a lower income Centrelink benefit, your loan may be restricted to an Extra Small loan of $500 or less. Otherwise your first loan may be up to $1,000.

For existing customers with good repayment history we can loan up to $2,000 supported from your Centrelink Benefit income.

To learn more about our Centrelink Loans, click here

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Hit a little snag?

You’ve just hit a snag and need a simple, small cash
loan to get you through?

This happens to everyone, but you may not have friends or family to help, no credit
card or access to a bank loan. You may just not have the time to go through all of that.
At Cash Direct, We Help, and we’ve designed products that are suited to your need.

For over 10 years, Cash Direct has been offering fast, cash loans for people with
lower incomes, part-time and casual workers, folks looking for a new job, and people
who rely on Centrelink Benefits as their primary income.

Our advice, budget well so you don’t need a loan, but when you do, you can get one
from your Cash Direct Online Loan account in minutes. We are here when you need it,
We Help!

Whichever situation you’re in, we have a loan product that can suit. If you’re on really
low income, like Youth Allowance, NewStart or Jobseeker benefits, you might need
an Extra Small Cash Loan of $200 to $500 to get you through. This has lower
payments and can be paid back in 3 months or less.

If you’ve got more income but still limited, our smaller cash loans can be up to $2,000
for existing customers and $1,000 for a new customer. These can be paid back in 6
months to free you up and get back to budgeting normally, and you can access
another small loan next time in minutes if you hit a snag down the track.

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All set?Get started with your application

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Why Thousands are choosing Cash Direct Loans

  • Easy. 100% Online Process

    With our easy online process and digital signing, there is no more messy paper clutter!

  • Fast. Online decisions and payments

    Get a fast decision, sign online and eligible payments may be sent quickly with OSKO instant payment.

  • 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.

Recent Cash Loan Reviews

Our cash loans have helped thousands of people in Australia

  • 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 the best service.

Cash loans without all the usual hassle and wait time.

Easy application with fast approval process to help you get the
funds that you need. Our Cash Direct Cash Loans aim to provide
support for those coping with sudden expenses and are designed
to offer manageable repayments over extended periods, unlike
the usual Pay Day Loan.

A man leaping up a rising set of steps past coins
  1. 01Fill out the simple application formComplete our simple, secure application form from any device.
    Assistance is readily available if you encounter any questions
    or require help during the process.
  2. 02Connect us to your bank securelyLink your bank account securely to speed up the verification
    process. This step ensures your loan offer is personalized
    and that your financial details are kept confidential.
  3. 03Receive your personalized cash loan offerReview the personalized loan offer detailing amount, rates,
    and terms at your convenience. Our team is ready to help
    you understand and feel confident about your options.
  4. 04Get the funds directly in your bank accountAccept the offer and receive the funds directly in your bank
    account swiftly. Use the money as needed and rely on our
    customer support throughout the loan's duration.
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Good reasons to get a Small Cash Loan

Various Cash Loans We Offer at
CashDirect

Cash Direct provides hassle-free loans with easy applications, fast approvals, and manageable repayment plans.

FAQ

Frequently Asked
Questions

Find quick answers to common questions about
Cash Direct small cash loans in Australia.

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View all FAQs

Funds can be transferred to your bank account within 60 seconds after approval using OSKO instant payment. This is possible due to OSKO's Real Time Bank Processing, offering immediate, secure, and reliable payments 7 days a week, 24 hours a day. Once you are a member with Cash Direct, this process can be compressed to minutes.
Yes, Cash Direct provides Cash Loans, Personal Loans, and Vehicle loans for people receiving Centrelink Benefits. They specifically design Small Centrelink Loans for customers on lower income or receiving most income from Centrelink. Amounts can range from $200 to $2,000 if you have validated and regular Centrelink income. For new customers, loans may be restricted to $500 or up to $1,000, while existing customers with good repayment history can borrow up to $2,000. Cash Direct is not affiliated with, or endorsed by, Services Australia.
Repayment terms for Small Loans are 1 to 12 months, and for Medium Loans, they are up to 2 years. Repayment plans are designed to be manageable over extended periods.
Yes, you can repay your loan any time without being charged additional fees. Repaying early will also reduce your overall interest and fee cost.
Cash Direct loans are designed to help with unexpected expenses and can cover a variety of needs. Specific loan types include Vehicle, TV, Computer, Small Car, Car Repair, Dental, Medical, Holiday and Travel, and Whitegoods and Household Loans. They also provide general Small Cash Loans and Emergency Cash Loans.
For Small Loans ($2,000 or less), there is an establishment fee of 20% of the amount borrowed and a monthly fee of 4% of the amount borrowed. For example, a $1,000 loan repaid over 4 months totals $1,360. For Medium Loans (between $2,001 and $5,000), there is a $400 establishment fee and a maximum annual interest rate of 48%.
Cash Direct offers loans ranging from $200 to $5,000. This includes Small Loans from $200 to $2,000 and Medium Loans between $2,001 and $5,000. For new customers, smaller cash loans can be up to $1,000, and for existing customers, up to $2,000.
The process is 100% online and paperless. It involves four steps: 1) Fill out the simple, secure application form, 2) Connect your bank securely for verification, 3) Receive your personalized cash loan offer detailing amount, rates, and terms, and 4) Get the funds directly in your bank account swiftly.
To be eligible, you must be at least 18 years old, earn income, and have a phone and bank account.
For Small Loans ($2,000 or less), which are fee-based only, an APR does not apply. For Medium Loans (between $2,001 and $5,000), the maximum annual interest rate applied is 48%.
Osko is a fast payment service built on the New Payments Platform (NPP) that lets Australians transfer money between participating banks almost instantly 24/7, even on weekends and public holidays. When you apply for a Cash Direct loan, Osko enables your approved funds to be sent and received within 60 seconds once your loan is finalised. Instead of waiting hours or days for traditional bank transfers, Osko payments make it possible to get your cash fast, directly into your bank account.

All Set? Get Started With Your Application

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