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Small Cash Loans from $200 to $2,000 paid within 60 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. OSKO payments in 60 Seconds

Get a fast decision, sign online and we can get the funds into your account in 60 Seconds with an 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.

What is a Centrelink Eligible Loan?

Can I qualify and be eligible for a loan if I receive most of my income from Centrelink Benefits?

Yes. If you receive Centrelink benefits, you can always apply for an Advance Payment directly with Services Australia which has nil cost versus a loan that incurs fees or interest costs. However, if you need a loan for $200 to $3,000 over up to 12 months, it can be difficult to Qualify with banks, credit card companies and most lenders in Australia, or it just takes a bunch of time and fussing around.

At Cash Direct, our Centrelink Eligible Loans are for borrowers with some or all of their income sourced from Centrelink, and can be:
Smaller, Express Centrelink Eligible loans of $200 to $2,000,generally paid off over 2 to 12 months; or
Medium, Quick Cash Loans of between $2001 to $3,000+, generally paid off over 12 to 24 months. For these loans you must have income of at least $3,000 per month, and own a vehicle in your name.

Cash Direct provides Centrelink Eligible loans quickly and without the fuss. They can also be known as Pensioner Eligible Loans, Disability Income Eligible Loans, Carer Eligible Loans, JobSeeker Eligible Loans, or just fast cash loans for Centrelink recipients. A Centrelink Eligible Loan is just a loan tool that can be used by people using Centrelink resources. If you do receive Centrelink benefits, you should also check your ability to qualify for a Centrelink Advance Payment or other government Centrelink support before applying for one of our loans.

At Cash Direct, we keep it simple to get you cash faster, when you need it.

We get you set up as a new Cash Direct member with a 100% online application process, and a short onboarding call. Once you’re a member you’re in the Express Lane, just login and apply for your next loan 24×7 in minutes. As a Cash Direct member, you will always have a back stop in your time of need. We make our smaller Centrelink Eligible loan repayments affordable, so you can pay your small cash loan down within 2-12 months.

With our 100% online loan process, we get you money fast when you need it. With some customers we can transfer the money to your bank account in 60 seconds once fully approved, through the OSKO payment system.

Loans for People on Centrelink Benefits

We have tailored loans for people receiving Centrelink benefits. We can offer loans from $200 to $3,000 for people on Centrelink Pensioner income, Family Tax A and B, Jobseeker support, Carers income, Disability income, Youth Allowance and more. We can approve loans based on the income benefits you receive and any wages or other income your receive. Always check Centrelink Support options before taking a loan, and always aim to improve your personal month to month budget to reduce your need for a loan in the future.

Loan Repayments for People on Centrelink?

With our loans, we make sure you have affordable repayments. We are Responsible Lenders, and we want you to be a responsible borrower. Unlike typical payday loans that require a short repayment period with larger repayments, we make your loan term longer, up to 12 months and paid in line with your income payment cycle, such as weekly or fortnightly on the same day your get your income. But we want you to close out your loan sooner, so you can get back to a normal budget. At any time, you can repay your existing loan with us and reduce the overall cost of your loan by doing so. Simply log into your Cash Direct Member account, and set an extra payment or a full payout.

Making loans affordable if you’re on Centrelink benefits

If more than 50% of your income is from Centrelink benefits, we’ll make sure your loan repayments are not greater then 10% of your income. This helps make sure your repayments are manageable.

You can pay your loan out any time. You will save on monthly fees, and we will not charge extra. If you miss a payment you will be charged a missed payment fee.

Borrow just what you need, to keep it affordable within your Centrelink benefit

With Cash Direct, we welcome our customers to submit a new loan application if in need. You can rely on us, so just borrow what you need. Don’t overextend yourself because you’re not sure if you can get cash funds later. It’s simple, just login to your Cash Direct account, and request a new loan. If you have a good repayment history with us and your budget is consistent, there will never be a problem. We can be your reserve for a rainy day – particularly if you don’t have a credit card or overdraft facility.

Frequently Asked Questions

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What is the maximum loan repayment for a Centrelink loan?

You can only borrow an amount that has loan repayments that are less than 10% of your income. The amount of your loan ($200-$2,000) and term of your loan (1-6 months) will affect your repayment amount.

How do repayments work from my Centrelink benefits?

We can’t take your loan repayments directly from your Centrelink pay. We will instead deduct the loan repayments from your bank account that your Centrelink payments are received into.

How much will the loan cost?

We charge on a simple basis against the value of your loan.  20% establishment fee and 4% per month loan maintenance fee. If you pay your loan early you will not pay the remaining loan maintenance fee. You will also never be charged an early repayment fee.  If you miss a payment without informing us, there is a late payment fee of $40.

Example, you borrow $500 for 4 months.  Your establishment fee will be $100 and your loan maintenance fees will be $20 per month.

What if I can’t make my next repayment?

Make sure you contact us straight away.  It’s important you maintain a good repayment record with us to help your trust rating for future loans.  It is also expensive if you miss a payment as there is a missed payment fee of $40.

If you get in touch with us beforehand, we can help make adjustments to avoid the missed payment fee.

Can I apply for a loan if all my income is from Centrelink Benefits?

Yes of course you can. We will help you find a loan amount and loan term that will suit you and make your repayments affordable.

Do you accept all Centrelink benefits to qualify for a loan?

Yes, we can work with all the benefits.  If you have lower income from say JobSeeker or Youth Allowance, we may suggest a smaller loan to suit that income level. We will also factor in support you may have from shared accommodation or living with your parents.

If you have larger regular Centrelink benefits from say Family Tax A&B, Carers allowance, Pension, we may be able offer you a larger loan of $1,000 to $2,000 depending on your budget circumstances.

We just need to confirm your regular income can support a loan and your reasonable budget.  We will confirm this with asking for evidence in the form of your Centrelink Income Statement and a 90-day bank statement.

How do people on Centrelink benefits apply for a cash loan?

If you are on Centrelink benefits, providing a consistent income, you can qualify for a Cash Direct loan by completing our easy application online, found here.  Provide your personal details, income and expenses, how much you need to borrow and how long you’d like to repay the loan. Leave the rest to us.

What are loans for people on Centrelink used for?

We have provided loans for people on Centrelink and lower incomes for over 10 years.  We find they are needed when the unexpected occurs, or there is just a need to do something or buy something.  Typical needs seem to be:

Paying for sudden expenses or a build-up of bills
Getting a car fixed or repaired
Paying for urgent travel or a holiday
Taking care of back to school fees and expenses, or childcare Dental or medical needs not covered by Medicare
Paying a vet bill for the family dog, cat or guinea pig!
Buying a whitegood item, like fridge or washing machine, when the old one breaks down.

Frequently Asked Questions

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