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Small Cash Loans from $200 to $2,000 paid within 60 minutes
Small Cash Loans from $200 to $2,000 paid within 60 minutes
Need a little more cash, and fast? Cash Direct also offers a larger cash loan of up to $5,000.
You can apply for a larger cash loan of $2,001 to $5,000 and receive the cash in the same day.
This can be used to consolidate some higher cost smaller loans, pay for a larger car repair, or potentially buy a used car or other vehicle.
It’s free to apply, 100% online and you can expect an answer and your funds in the same day.
The Cash Direct, larger Quick Cash Loan is shorter term loan that can be approved and paid into your account on the same day. You can borrow up to $5,000 and will typically repay the loan over 12 months.
This makes it ideal for a larger emergency need, or for debt consolidation to offer relief to your regular budget. You can also use it for larger car repairs or to buy a car or other vehicle like motor bike, boat or caravan.
We offer straight forward loans, with no hidden fees.
To Apply, click here.
Complete our easy online application in a few minutes.
Approval is typically made on the same day, once we have all the required information.
Upon Approval, a loan offer is emailed to you for signing. Once you’ve signed the contact and confirmed your bank direct debit details, we’ll transfer the money to your nominated bank instantly via the OSKO payment system
You can be approved for one of our Larger, Quick Cash Loans if you meet these criteria:
You are 18 years of age or older
You have monthly gross income of at least $3,000. Can be wages or Centrelink benefits
You are either an Australian citizen or hold a valid working visa
You own a vehicle (car, motorbike, scooter) in your name that can be used as security for the loan
At Cash Direct we take a broad view of your Responsible Lending position. We will consider your budgeting, the security you use for this larger, Cash Loan; and we can consider imperfect credit situations.
You will need to complete our online loan application process, and then authorise us to upload your current 90-day bank statement electronically, provide a driver’s license, your vehicle registration and 2 photos of your vehicle. We will also require at least one reference.
Yes. At Cash Direct, we aim to get your cash into your account within the same day. Once you are approved, signed the loan contract and confirmed your bank direct debit authority, we can transfer the funds instantly through the OSKO NPP.
No. For our Responsible Lending and Credit Review, we need to assess your primary bank accounts to ensure you maintain a prudent regular budget and can afford the repayments of the loan. This will help guide us on the appropriate loan amount you can qualify for.
Yes. We just need to make sure you can afford the loan. We will need to see sound budgeting within your primary bank statement, support from a primary reference, sound security from the vehicle you provide (that is registered in your name) and a sound credit history. With this, it’s possible to be eligible for a Cash Direct loan of $2,001 to $5,000.
Yes. However, the loan may be limited to $3,000 and may also require that you own a vehicle in your name that can be used as security for the loan. We also need to ensure you have adequate overall income and a sound budget to support the loan repayments.
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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