Get Your Quick $700 Cash Loan Now

Your Credit History Won't Stop You Getting $700

Cash Direct offers $700 cash loans with no automatic credit check at the initial application stage. When you need $700 fast for urgent bills, car repairs, or unexpected expenses, our application process is designed to be simple, quick, and non-invasive.
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When you apply, we don’t automatically access your credit file upfront. Instead, we review information such as your income and recent bank activity to understand your current ability to repay. After reviewing your initial details, we’ll let you know whether you’re eligible for a Cash Direct loan and explain the next steps.

Focused on Your Current Situation

We understand that past credit issues can make it difficult to access traditional finance. That’s why our initial assessment focuses on your ability to repay today, rather than solely on what may have happened in the past.
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Our $700 loan application is designed for everyday Australians who need short-term financial support without the stress of an automatic credit check upfront. You can apply online in just 5 minutes, with most applications reviewed within hours. Learn more about our small cash loans designed to suit real-life needs.

Key Benefits:

Why Choose Cash Direct for Your $700 Loan?

For over 10 years, Cash Direct has helped Australians access small cash loans during unexpected financial situations. Our $700 loans are designed to support people on varying incomes, including part-time workers, casual employees, and customers receiving Centrelink payments.

1. No Automatic Credit Check Upfront

We don’t perform a hard credit check during the initial application stage. Instead, we assess affordability using:
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✓ Your regular income (employment, Centrelink, or pension)
✓ Bank statements from the last 90 days
✓ Your current ability to manage repayments
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In some cases, a credit check may be required later as part of a final assessment. If this happens, we will always seek your consent first and clearly explain why it’s needed, so you can decide whether to proceed.

2. Fast Application & Review

When you need $700 urgently, speed matters. Our streamlined process is built to reduce delays:
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- Apply online in around 5 minutes
- Most applications reviewed within hours
- Same-day funding may be available for applications submitted before 3 PM on business days, depending on your bank

Approved funds can be sent via OSKO instant payments.

3. Simple, Straightforward Requirements

Getting a $700 loan with Cash Direct requires just four things:
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- Valid Australian ID (driver’s licence or passport)
- Regular income (employment, Centrelink, or pension)
- An Australian bank account
- 90 days of bank statements

We aim to keep the process clear and accessible, without unnecessary paperwork.

4. Transparent Fees - No Hidden Costs

Our $700 loans are regulated under Small Amount Credit Contract (SACC) legislation, which means fees are capped and clearly disclosed upfront:
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- 20% establishment fee - one-time $140 fee on a $700 loan
- 4% monthly maintenance fee - charged only while the loan remains outstanding
- No early repayment fees - pay off your loan early and save on fees
- Late payment fees may apply - only if you miss scheduled repayments

Use our small cash loan calculator and pay day loan calculator to estimate your specific repayment amounts.

5. Flexible Repayment Options

Choose a repayment schedule that aligns with your income:
- Weekly
- Fortnightly
- Monthly
You can repay early at any time to reduce overall costs.

Centrelink & Pensioner Applications Welcome

We accept applications from customers receiving Centrelink payments, including:
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✓ Age Pension
✓ Disability Support Pension
✓ JobSeeker
✓ Youth Allowance
✓ Carer Payment
✓ Family Tax Benefit
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All applications are assessed individually based on affordability and current income.

First-Time Applicants on Centrelink

For first-time applicants receiving lower incomes, the initial loan amount may be capped below $700 to ensure repayments remain affordable. As you build a positive repayment history, higher amounts may become available over time.

Hit a little snag?

Life happens. Sometimes you just need $700 to get through.

Unexpected expenses happen. If you need $700 to get through a short-term financial gap, Cash Direct is here to help with a clear, transparent application process.
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We always encourage careful budgeting, but when you do need support, you can apply online in minutes and see if you’re eligible.

Already a Cash Direct Member?

If you're an existing customer with a good repayment history, you can access our Express approval process. This means even faster decisions and the ability to get your $700 loan in minutes, not hours. It's your financial backup, ready when you need it most.

Ready to Get Your $700  Loan?

Don’t let past credit challenges automatically hold you back. Apply for a $700 cash loan with no upfront credit check and find out if you’re eligible today.
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Apply online now in just 5 minutes.