Trusted Australian Cash Lender

Small Cash
Loans
made
simple.

Borrow between $200 and $2,000 with a fully online application, fast approval and clear repayments. Designed to help Australians manage life's unexpected expenses.

Apply Now

100% Online

Fast Approval

Secure Application

Unexpected Bills

Handle urgent bills and payments without stress.

Car Repairs

Get back on the road with fast cash support.

Medical Expenses

Cover medical costs when you need to.

Household Costs

Manage everyday expenses with ease.

Our Small Cash Loans

Our Cash Direct Small Cash Loans are designed to help people deal with an unexpected expense; or those who don't have a credit card and may have lower incomes, are temporarily unemployed or receiving regular Centrelink Benefits. Our Small Cash Loans to offer affordable repayments over longer periods of time than a typical Pay Day Loan.

What is a Small Centrelink Loan

Our Small Centrelink Loans are designed for our customers on lower income or receiving all or most of their income from Centrelink Benefits. We can loan amounts from $200 to $2,000 if you have validated and regular Centrelink income in your nominated bank account. For new customers, if you have a lower income Centrelink benefit, your loan may be restricted to an Extra Small loan of $500 or less. Otherwise, your first loan may be up to $1,000. For existing customers with good repayment history, we can loan up to $2,000 supported from your Centrelink Benefit income. Use our Centrelink Loan Calculator to estimate the loan amount and repayments you may be eligible for. To learn more about our Centrelink Loans, click here.

Hit a little snag?

You've just hit a snag and need a simple, small cash loan to get you through?

This happens to everyone, but you may not have friends or family to help, no credit card or access to a bank loan. You may just not have the time to go through all of that. At Cash Direct, We Help, and we've designed products that are suited to your need.

For over 10 years, Cash Direct has been offering fast, cash loans for people with lower incomes, part-time and casual workers, folks looking for a new job, and people who rely on Centrelink Benefits as their primary income.

Our advice, budget well so you don't need a loan, but when you do, you can get one from your Cash Direct Online Loan account in minutes. We are here when you need it, We Help!

We have a loan product that can suit your situation.

Extra Small Cash Loan

If you're on really low income, like Youth Allowance, NewStart or Jobseeker benefits, you might need an Extra Small Cash Loan of $200 to $500 to get you through.

Lower payments and can be paid back in 3 months or less.

Small Cash Loans

If you've got more income but still limited, our smaller cash loans can be up to $2,000 for existing customers and $1,000 for a new customer.

Can be paid back over 1 to 12 months to free you up and get back to budgeting normally.

Fast Online Application

Apply in minutes

Affordable Repayments

Weekly or fortnightly

Secure & Private

Your information is protected

Personalised Service

Our friendly team helps get your application moving quickly. We Help.

Money Today*

If approved

* Subject to approval. T&Cs, fees and charges apply.

Why Choose Us

Why Thousands are
choosing Cash Direct Loans

We make borrowing simple, fast and stress-free.

Easy. 100% Online Process

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

Fast. Online decisions and payments

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

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.

Good Reasons

Good reasons to get a Small Cash Loan

Life happens. A Small Cash Loan can help you handle unexpected expenses and get back on track.

TV Loan

Computer Loan

Small Car Loan

Car Repair Loan

Dental Loan

Medical Loan

Holiday and Travel Loan

Whitegoods and Household Loan

We're here to help with simple loans and real support, when you need it most.

Apply Now

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

Apply online, get a fast decision and sign digitally. Once your application is approved we can send the funds in 60 seconds with an OSKO instant payment. Timing still depends on approval, verification and your receiving bank.

Your fees and every repayment amount are set out in your loan contract before you sign, so you can see the full cost of the loan up front.

Every application is assessed individually against our responsible lending checks, which look at your income, your regular expenses and your existing commitments.

Your identification, contact and income details, plus your recent bank statements. Everything is submitted and signed online — there is no paperwork to print or post.

Unexpected bills, car repairs, medical costs, schooling and travel, a new device or household essentials — the everyday expenses that can't wait.

Responsible lending rules mean any small amount loans you already hold are taken into account when we assess a new application.

Yes. Centrelink payments can be counted as part of your regular income, and your application is assessed on your overall financial position.

Small Cash Loans run from $200 to $2,000, so you can borrow just the amount you need.

Your repayment amounts and dates are set out in your loan contract before you sign, so you know the full schedule from the start.

You can pay your loan out early at any time. Get in touch with our team and we'll confirm your payout figure.

Yes — the application is 100% online with digital signing, so there is no more messy paper clutter.

Our support team can help at any stage of your application, before or after your loan is approved.

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