Payday Loans
in Australia:

Transparent Fees, No Hidden Charges: Every fee is set out before you accept your loan contract, so you can see the total repayable amount upfront rather than discovering costs later. CashDirect's fee structure is designed to comply with SACC regulations under Australian credit law.

Fully Online Application: The application can be completed from a phone, tablet, or computer in around five minutes, without a branch visit or paper forms. You'll need to provide income and expense details as part of the process.

Fast Assessment: Applications submitted on a business day are typically assessed the same day, though this isn't guaranteed assessment times can vary depending on application volume and the information provided. If approved, funds may be transferred the same business day, subject to your bank's own processing times.

Australian-Based Support: If you have questions during or after your application, CashDirect's support team is based in Australia and can be reached directly see thecontact page for details.

Individual Financial Assessment, Not Just a Credit Score: Rather than relying solely on a credit score, CashDirect looks at your overall financial situation, including income and regular expenses, as part of deciding whether a loan may be suitable for you. This means applicants with a less-than-perfect credit history aren't automatically ruled out, though approval always depends on individual circumstances and responsible lending checks.

General eligibility criteria include:

• Being 18 years or older

• Being an Australian citizen or permanent resident

• Receiving regular income from employment, self-employment, or eligible Centrelink payments

• Having an active Australian bank account open for at least 90 days

• Providing a valid Australian mobile number and email address

Meeting these criteria doesn't guarantee approval, every application is individually assessed for affordability and suitability.Small Loans ($200–$2,000) Small Loans are the category most payday loan applicants use, commonly for things like car repairs, medical bills, or unexpected household costs. Fees for this tier are structured under SACC rules, with an establishment fee and monthly fee disclosed before you accept your contract.Medium Loans ($2,001–$5,000) For borrowing needs above $2,000, CashDirect's Medium Loans use a different rate structure, with a maximum base rate of 48% and an establishment fee of $400. These loans may suit slightly larger expenses where a Small Loan amount wouldn't be sufficient.Centrelink and Other Income Sources Regular Centrelink payments can count as eligible income alongside or instead of employment income, depending on your overall circumstances. If Centrelink is your primary income source, it may be worth also reviewing CashDirect's dedicatedCentrelink loan options, which are built around that situation specifically.

If you've reviewed the costs, eligibility, and alternatives above and a payday loan still looks like the right fit, you can start your application online in around five minutes. Approval isn't guaranteed and depends on individual assessment, but CashDirect aims to give you a clear answer as quickly as possible.