Short Term Loans Online
Cash Loans from $200 to $5,000
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Cash Loans from $200 to $5,000
Unexpected expenses can happen at any time. Whether it’s a car repair, overdue utility bill, emergency medical cost, or temporary cash flow gap before payday, having access to fast financial support can make all the difference.
CashDirect provides short term loans from $200 to $5,000 for eligible Australian adults looking for a simple, flexible, and fully online borrowing experience. With no paperwork, no branch visits, and applying is quick and convenient from start to finish.
Our application process is designed around real people and real financial situations. Instead of focusing only on your credit history, we assess your current income and recent banking activity to better understand your ability to repay.For eligible applicants and supported banks, funds may arrive in approximately 60 seconds after approval through OSKO instant payments.
Choosing the right lender matters. At CashDirect, we focus on providing a transparent, flexible, and responsible lending experience that supports customers during urgent financial situations.
Fast and Convenient Online Application
The entire application process is completed online. There’s no need to visit a branch, print documents, or deal with lengthy paperwork.
Most applications can be submitted in just a few minutes.
Loan Amounts From $200 to $5,000
CashDirect offers both small and medium loan options to suit different financial needs. Whether you need help covering a smaller urgent expense or managing a larger unexpected cost, we offer flexible borrowing options for eligible applicants.
Flexible Repayment Options
Repayment terms are designed to align with your income cycle and financial situation. Depending on your loan amount and assessment outcome, repayment terms generally range from approximately 3 months to 24 months.
Applying for a CashDirect short term loan is simple and completely online.
Step 1 — Complete the Online Application
Provide basic information including:
- Your desired loan amount
- Employment and income details
- Banking information
- Contact information
The application process typically takes only a few minutes to complete.
Step 2 — Assessment Process
Once submitted, our team reviews your application and recent banking activity to determine suitability and affordability. In some cases, additional information may be requested to complete the assessment.
Step 3 — Receive Your Loan Offer
If approved, you’ll receive a personalised loan offer outlining:
- Repayment amounts
- Loan term
- Applicable fees and charges
Total repayment amountYou’ll have the opportunity to review all terms carefully before accepting.
Step 4 — Funds Sent to Your Bank Account
After accepting your loan offer, funds are transferred via OSKO instant payment. For eligible banks, funds may arrive in approximately 60 seconds after approval.
In many cases, the complete process — from application to funding — can be completed within approximately 60 minutes
CashDirect offers two types of short term loans depending on your financial needs and eligibility.
Small Loans — $200 to $2,000
Small loans are commonly used for urgent everyday expenses and short-term financial gaps.
Common Uses for Small Loans
- Emergency car repairs
- Medical or dental expenses
- Utility billsSchool expenses
- Rental bonds
- Emergency house
- hold costs
Small Loan Features
Loan amounts from $200 to $2,000
Approximate repayment terms from 3 to 12 months
Unsecured loan options available
Fully online application process
Medium Loans — $2,001 to $5,000
Medium loans are designed for larger expenses that may require longer repayment flexibility.
Common Uses for Medium Loans
- Debt consolidation
- Major home repairs
- Vehicle repairs
- Essential appliance purchases
- Significant personal expenses
Medium Loan Features
- Loan amounts from $2,001 to $5,000
- Approximate repayment terms from 6 to 24 months
- Flexible repayment schedules
- Security may be required for some applications
To apply, applicants generally need to meet the following criteria:
- Be at least 18 years old
- Be an Australian resident or valid Working Visa holder
- Have regular income
- Hold an active Australian bank account
- Be contactable via mobile phone and email
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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