Get a Small Cash Loan Today

Small Cash Loans from $200 to $2,000 paid within 60 minutes

Why Thousands are choosing Cash Direct Loans

Easy. 100% Online Process

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

Fast. OSKO payments in 60 Seconds

Get a fast decision, sign online and we can get the funds into your account in 60 Seconds with an 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.

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.
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!

Whichever situation you’re in, we have a loan product that can suit. 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. This has lower payments and can be paid back in 3 months or less.

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. These can be paid back in 6 months to free you up and get back to budgeting normally, and you can access another small loan next time in minutes if you hit a snag down the track.

Frequently Asked Questions

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How fast can I get a loan from Cash Direct?

Funds can be transferred into your bank account in 60 seconds upon approval, using OSKO instant payment. The process is designed to be fast and easy with a fast decision.

What are the fees and costs for Cash Direct loans?

For Small Loans ($2,000 or less), there is an establishment fee of 20% of the amount borrowed and a monthly fee of 4% of the amount borrowed. For Medium Loans (between $2,001 and $5,000), there is a $400 establishment fee and a maximum annual interest rate of 48%.

What are the eligibility criteria for a Cash Direct loan?

To get a Cash Direct loan, you must be at least 18 years old, earn income, and have a phone and bank account.

What information or documents are needed for the Cash Direct application?

You will need to fill out the application form and connect Cash Direct to your bank account securely to speed up verification and personalize your loan offer.

What can I use a Cash Direct loan for?

Cash Direct loans are designed to help with unexpected expenses and can be used for various purposes such as a TV Loan, Computer Loan, Small Car Loan, Car Repair Loan, Dental Loan, Medical Loan, Holiday and Travel Loan, or Whitegoods and Household Loan.

Can people receiving Centrelink benefits apply for a Cash Direct loan?

Yes, Cash Direct provides Cash Loans, Personal Loans, and Vehicle loans for people receiving Centrelink Benefits. Small Cash Loans are specifically designed for those receiving regular Centrelink Benefits. It is important to note that Cash Direct is not affiliated with or endorsed by Services Australia.

What is the loan amount range offered by Cash Direct?

Cash Direct offers small cash loans ranging from $200 to $2,000, and medium loans between $2,001 and $5,000. The overall range of cash loans offered is from $200 to $5,000.

What are the repayment terms for Cash Direct loans?

Repayment terms for Small Loans are up to 3-12 months, and for Medium Loans, they are 3-24 months. You can repay your loan any time without additional fees, which will also reduce your overall interest and fee cost.

Can I repay my Cash Direct loan early, and are there any fees for doing so?

Yes, you can repay your loan any time without being charged additional fees. Repaying early will also reduce your overall interest and fee cost.

Is the Cash Direct loan application process online?

Yes, the entire process is 100% online with digital signing, eliminating messy paper clutter. You can complete the simple, secure application form from any device.

Frequently Asked Questions

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