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A mechanic kneeling to change the wheel of a car by the roadside

Car Repair Loans

Fast Car
Repair Loans

Car and Vehicle Loans From $2,000 to $25,000.

We could help you buy your dream car in Australia.

All Vehicle Types OK

Get Approval Fast

Centrelink Friendly Loans

10 times Better than Competitor

12 months or more payment terms

Includes some important feature

Apply Now
A mechanic kneeling to change the wheel of a car by the roadside

Why choose Cash Direct

Why Thousands
are choosing
Cash Direct Loans

Simple, fast and built around you. Designed to make borrowing feel easier, safer and more convenient.

Trusted by thousands of Australians

Real people. Real support. Real results.

01

Easy. 100% Online Process

With our easy online process and digital signing, there is no more messy paper clutter!

02

Fast. Online decisions and payments

Get a fast decision, sign online and eligible payments may be sent quickly with OSKO instant payment.

03

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 Our Customers Say

Recent Car Loan Reviews

Our car loans have helped thousands of people get their dream car

“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!”

Kim

“Easy, efficient and great customer service!”

Samantha

“Because Cash Direct really helps those in need. Very accommodating with all the inquiries. Fast and reliable transactions guaranteed.”

Tameika

“Cash Direct are easy to deal with, from the initial application process and throughout the term of the loan.”

Lilian

Car & Vehicle Loans

Faster … Car Repair Loans. No Deposit.

Cash Direct is a pioneer in fast, paperless loans. In fact, on approval, funds are transferred into your bank account in 60 seconds [link to 60 second loan hub page], any day of the week.

We now use this fast loan technology to help you with a faster Car Repair Loan, 365 days a year.

We provide loans for all sorts of cars bought privately, online or through a dealer. We’ll even fund other types of vehicles from motorbikes, caravans to boats and even scooters! [link to respective loan pages]

The car repair loan is designed to help you fund a larger repair on your existing car with a longer-term loan of between 12-24 months, using your car as security.

This can help support a range of typical repair and maintenance needs:

  • Major service

  • New tyres

  • Panel repairs

  • Transmission repairs

  • Electric repairs

  • Engine and starter motor repairs

When you need to manage an urgent car repair and get through an annual car registration process, speed is critical. Using your existing car as the security allows for a quick decision and funds transferred into your bank account soon after to get you back on the road. When you strike the deal with your car repairer, we can help you make the payment with confidence and speed.

If you are at least 18 years old, earn income of $500 per week, have a phone and bank account, own a car – you can get a Cash Direct loan for your next Car repair process.

Funds in 60 seconds

On approval, any day
of the week.

Simple Steps for your Used Loan:

01

Set your purchase budget.

Link this with your regular budget, and your needs and benefits of the Car or Vehicle.

02

Get Pre-Approval from Cash Direct.

Share your simple personal details, budget information and intended Car or Vehicle Purchase.

03

Shop Around.

Haggle and find your best deal.

04

Provide Vehicle and Seller Information to Cash Direct to finalise your Loan.

05

We fund the loan, often directly to the seller.

You drive off!

Car & Vehicle Loans

Our Car Repair Loans

Apply for a Car Repair Loan (link this to our medium VL Loans)

Our Cash Direct Car Repair loans are perfect for when you are in urgent need for a key repair or maintenance spend on your existing car. We loan from as little as $2,000, up to $5,000 for a car repair. Start with a Pre-Approval so you know how much you can borrow, with loan repayments aligned with your budget.

Our Specialist team can help you understand options on the term and payment schedule to meet your budget.With a Cash Direct Loan Pre-Approval, you can finalise your car repair job with confidence. Haggle a little – get the best car repair for your budget, Pre-Approved amount. If you’d like to estimate repayments for a Car Repair Loan, try our Car Repair Loan Calculator.

Funds in 60 seconds

On approval, any day
of the week.

What is a
Centrelink Used Car Loan?

Our Centrelink Friendly Used Car Loan is designed to be affordable car loans for our customers on lower income or receiving all or most of their income from Centrelink Benefits. We can typically offer used car loans from $2,000 to $10,000 based on your income level, and repaid over 1-3 years. You will need to show that you have validated and regular Centrelink income in your nominated bank account.

To learn more about our Centrelink Loans, click here

A mother and her daughter smiling at a laptop at the kitchen table

Secure the funds you need
with deserved service.

Car loans without all the usual hassle and wait time.

Securing a pre-approved CashDirect Loan empowers you, providing the knowledge of your specific borrowing capacity even before you engage with a car seller. Furthermore, it provides a speedy transaction experience and alleviates concerns about car financing, ensuring a smoother, hassle-free car purchasing journey

A man leaping up a rising set of steps past coins
  1. 01Select a budget for VehicleSet your purchase budget. Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
  2. 02Get Pre-Approval from Cash DirectGet Pre-Approval from Cash Direct. Share your simple personal details, budget information and intended Car or Vehicle Purchase. It’s a practical and smart step in the vehicle purchasing process.
  3. 03Shop Around. Haggle and find your best deal.With a pre-approved Vehicle Loan from Cash Direct you can start your car hunting journey with ease. Find and lock in on the best deal for your dream car.
  4. 04Provide Vehicle and Seller InformationAfter selecting your dream car and finalising a good deal, provide vehicle and seller information to Cash Direct to finalise your Loan.
  5. 05Get your new carWe fund the loan, often directly to the seller. You drive off!
Apply Now

*Car loans without all the usual hassle and wait time.

We Help

Why thousands of people choose cashdirect

We Help by saying yes, when others won’t, or just take too long.

Personalised
Service

Our friendly team is here to guide you through the process, answer your questions and help get your application moving quickly.

“We Help” is our simple mantra

Express Cash for
CD Members

Sign up as a Cash Direct member with your first loan, and it's a breeze to borrow again when you need it.

Paid within 60 minutes

Affordable
Repayments

Choose the amount, the length of the loan, and how often you repay — weekly, fortnightly or monthly.

Weekly

Fortnightly

Monthly

100% Online
Loans

Cash Direct is a 100% online lender. Manage this loan and your next from your CD Online Account.

No early repayment or exit fees

A licensed Australian lender

Cash Direct Pty Ltd · ACN 129 259 605 · Australian Credit Licence 393862

Responsible lending — every application is assessed against your income and expenses.

Car & Vehicle Loans We Offer at cashdirect

Providing a wide variety of flexible loan options for different types of vehicles.

Other Car Loans

Visa Friendly Car Loans

Centrelink Car Loans

Car Repair Loans

Green Car loans

Other Vehicle Loan

FAQ

Frequently Asked
Questions

Find quick answers to common questions about
Cash Direct small cash loans in Australia.

Safe & Secure

Your data is
100% protected

Quick Process

Simple, fast &
hassle-free

Here to Help

Support when
you need it

View all FAQs

Once your loan is approved, Cash Direct can transfer the funds into your bank account in 60 seconds using OSKO instant payment, any day of the week, 365 days a year.
Yes, it is possible. Cash Direct, like most lenders, will take a broader view of your situation and ability to manage repayments. Key factors include your current or recent loan history, income level and ability to manage a responsible budget, and the absence of poor habits like gambling or gaming.
The process is 100% online with digital signing, avoiding paper clutter. It involves filling out a quick online application with personal details, ID, and loan amount. You'll also need to connect your 90-day bank account for budget assessment and have a short call with their specialist team. Cash Direct often funds the loan directly to the seller.
For Car Repair Loans, Cash Direct offers them with no deposit required.
Cash Direct provides loans for all sorts of cars (bought privately, online, or through a dealer). They also fund other vehicle types including motorbikes, caravans, boats, scooters, and RVs.
Yes, Cash Direct offers Centrelink Friendly Car loans. They will assess your situation and determine suitability even if 100% of your income is sourced from Centrelink. Cash Direct is not affiliated with, or endorsed by, Services Australia.
You can get a loan amount starting from $2,000 to $25,000, depending on your income, credit score, and other factors. For Centrelink Used Car Loans, amounts typically range from $2,000 to $10,000. For Car Repair Loans, you can borrow from $2,000 up to $5,000.
Yes, Cash Direct does not charge early exit fees. You can repay your loan at any time to reduce your overall interest and fee cost. You can log into your Cash Direct account anytime to see an early payout figure.
For Small Loans ($2,000 or less), there is a 20% establishment fee and a 4% monthly fee of the amount borrowed, with terms of 1 to 12 months. For Medium Loans (between $2,001 and $5,000), there is a $400 establishment fee and a maximum interest rate of 48%, with terms of up to 24 months.
Cash Direct offers a wide variety of flexible loan options, including Car Loans, Used Car Loans, Small Car Loans, Car Repair Loans, Car Secured Loans, Centrelink Car Loans, Pensioner Car Loans, Disability Car Loans, Single Parent Car Loans, Visa Car Loans, and Green Car Loans.
Funds can be transferred to your bank account in 60 seconds after approval using OSKO instant payment . This service is available any day of the week . If you are a Cash Direct member with good payment history, you can be eligible for an Express Cash Direct loan approval process .
Yes, Cash Direct provides Centrelink Friendly Loans for vehicle purchases, including Centrelink Friendly Used Car Loans . They will assess your situation even if 100% of your income is sourced from Centrelink . You'll need validated and regular Centrelink income in your bank account. Loans for used cars typically range from $2,000 to $10,000 based on income and are repaid over 1-3 years . Cash Direct is not affiliated with, or endorsed by, Services Australia .
Repayment terms for Vehicle Loans are 12 months or more . Car repair loans are designed for a longer term of between 12-24 months . Centrelink Friendly Used Car Loans are repaid over 1-3 years . Generally, terms for Small Loans are 1 to 12 months , and for Medium Loans, it is up to 2 years .
Yes, you can repay your loan any time without being charged additional fees . Paying extra or in full will reduce your overall interest and fee cost . You can log in to your Cash Direct account to view an early payout figure anytime.
Cash Direct offers loans for all vehicle types , including motorbikes, caravans, boats, and scooters . Their Car Repair Loans help fund larger repairs on existing cars for needs such as: Major service, New tyres, Panel repairs, Transmission repairs, Electric repairs, and Engine and starter motor repairs .
For Small Loans ($2,000 or less) , an APR does not apply as they are fee-based only; there is a 20% establishment fee and a 4% monthly fee of the amount borrowed. For instance, a $1,000 loan over 4 months totals $1,360. For Medium Loans (between $2,001 and $5,000) , there is a $400 establishment fee and a maximum annual interest rate of 48% .
Cash Direct offers Vehicle Loans from $2,000 to $25,000 . Specifically, Car Repair Loans range from $2,000 up to $5,000 , and Centrelink Friendly Used Car Loans are typically from $2,000 to $10,000 . The exact amount you can borrow depends on your income, credit score, and other factors.
The process is 100% online and paperless. For a Used Loan or Vehicle Loan , it involves five steps: 1) Set your purchase budget , 2) Get Pre-Approval from Cash Direct by sharing personal details and budget info, 3) Shop Around for your best deal, 4) Provide Vehicle and Seller Information to finalize the loan, and 5) Cash Direct funds the loan (often directly to the seller). Pre-approval also involves a quick online application, 90-day bank account connection, and a short call.
To be eligible for a Car Repair Loan, you must be at least 18 years old , earn income of $500 per week , have a phone and bank account , and own a car . For other vehicle loans, eligibility will be assessed based on your income, credit score, and other factors to determine suitability and affordability.
For Small Loans ($2,000 or less) , which are fee-based only, an APR does not apply . For Medium Loans (between $2,001 and $5,000) , the maximum annual interest rate applied is 48% .

All Set? Get Started With Your Application

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