Payday Loans
Cash Loans from $200 to $2,000
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Cash Loans from $200 to $2,000
When an unexpected expense arises before payday, a payday loan from CashDirect can provide fast access to cash without unnecessary complications. Our process is simple, fully online, and completely transparent — so you understand your loan before you commit.
Apply online today and, if approved, receive funds in your bank account as soon as the same business day (depending on approval time and your bank’s processing schedule).
Payday loans are short-term personal loans designed to help cover urgent expenses until your next pay cycle. They are commonly used for unexpected costs such as:
- Emergency car repairs
- Medical expenses
- Overdue utility bills
- Urgent rental payments
- Essential household costs
At CashDirect, payday loans range from $200 to $2,000 for eligible new customers. Repayments are structured to align with your income cycle, and all fees are clearly disclosed before you accept your loan contract.
We assess your overall financial position — including your income and expenses — not solely your credit score, to ensure the loan is suitable and affordable for your circumstances.
Australians choose CashDirect because we combine speed with responsible lending practices.
Transparent Fees — No Hidden Charges
All fees are clearly shown before you accept your loan. Our fee structure complies with Australian Small Amount Credit Contract (SACC) regulations under the National Consumer Credit Protection Act 2009.
Fully Online Application
Apply from your phone, tablet, or computer in approximately five minutes. No branch visits, no paperwork, and no queues.
Fast Assessment
Completed applications submitted on a business day are typically assessed the same day. If approved, funds may be transferred on the same business day, depending on your bank’s processing times.
Australian-Based Support
Our customer service team is based in Australia and is available to assist you throughout your application and loan term.
Individual Financial Assessment
We review each application individually and assess affordability in line with our responsible lending obligations.
Step 1: Apply Online
Select your loan amount (between $200 and $2,000) and provide your income and expense details. The secure application takes around five minutes to complete.
Step 2: Assessment & Decision
We review your financial information and assess suitability. Most completed applications receive a decision on the same business day.
Step 3: Receive Funds
Once approved and your contract is signed, funds are transferred directly to your nominated Australian bank account.
To apply, you must generally:
- Be 18 years or older
- Be an Australian citizen or permanent resident
- Receive regular income (employment, self-employment, or eligible Centrelink payments)
- Have an active Australian bank account open for at least 90 days
- Provide a valid Australian mobile number and email address
We securely review your recent bank transaction history (via read-only access) to assess affordability and ensure the loan is suitable for your financial circumstances.
Meeting these criteria does not guarantee approval. All applications are subject to our responsible lending assessment.
Choosing CashDirect means:
- Speed – Quick online applications
- Convenience – Apply anytime, anywhere
- Structured repayments – Aligned with your pay cycle
- Transparent pricing – All costs disclosed upfront
- Individual assessment – Not based solely on your credit score
For our Small Loans of $2,000 or less, an APR (Annual Percentage Rate) doesn’t apply. These are fee-based only, and so they don’t have an APR. The establishment fee is 20% of the amount borrowed and the monthly fee is 4% of the amount borrowed.
For example, a loan of $1,000 repaid over 4 months equates to a total payable of $1,360. This is comprised of $1,000
principal (the amount borrowed), $200 establishment fee, and a total of $160 in monthly fees.
For our Medium Loans between $2,001 and $5,000. The base interest rate may vary depending on the loan product. The maximum rate we use is 48% and an Establishment Fee of $400.
Terms for our Small Loans are up to 3-12 months, and for our Medium loans, it is 3-24 months. With each, you can
repay your loan any time without being charged additional fees, and it will reduce your interest and fee cost overall.
Cash Direct Pty Ltd (ACN: 129 259 605; Australian Credit Licence 393862) is a specialist in providing cash loans to its customers when they need it
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