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
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.
How Our No Credit Check Application Works
Cash Direct offers a fast and simple way to apply for a $700 loan without an upfront credit check.
When you submit an initial application, we do not automatically access your credit file, and your application is reviewed using information such as your income and recent bank activity instead. This allows us to assess your current ability to repay while keeping the application process quick and non-invasive.
After you apply, a member of our team will contact you to confirm key details to confirm your eligibility for a Cash Direct loan, and explain the next steps. In some situations, depending on the loan structure or your individual circumstances, we may need to complete a credit check as part of a final assessment. If this is required, we will always seek your consent first and explain why it’s needed, so you can make an informed decision before proceeding.
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.
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:
Apply for a $700 loan with no upfront credit check*
Fast application with most decisions made within hours
OSKO instant payments - funds in your account within 60 seconds once approved (learn more about 60-second cash loans)
Transparent fees - no hidden charges or surprises
Flexible repayments - weekly, fortnightly, or monthly options
Centrelink income accepted, subject to affordability
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.
No Automatic Credit Check* Upfront
We don’t perform a hard credit check during the initial application stage. Instead, we assess affordability using:
Your regular income (employment, Centrelink, or pension)
Bank statements from the last 90 days
Your current ability to manage repayments
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.
Fast Application & Review
When you need $700 urgently, speed matters. Our streamlined process is built to reduce delays:
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.
Simple, Straightforward Requirements
Getting a $700 loan with Cash Direct requires just four things:
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.
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:
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 oursmall cash loan calculator and pay day loan calculator to estimate your specific repayment amounts.
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:
Age Pension
Disability Support Pension
JobSeeker
Youth Allowance
Carer Payment
Family Tax Benefit
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.
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.
Apply online now in just 5 minutes.
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!
KimEasy, efficient and great customer service!
SamanthaBecause Cash Direct really helps those in need. Very accommodating with all the inquiries. Fast and reliable transactions guaranteed.
TameikaCash 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.
- 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. - 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. - 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. - 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.
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.