Get a Small Cash Loan Today
Small Cash Loans from $200 to $2,000 paid within 60 minutes
Small Cash Loans from $200 to $2,000 paid within 60 minutes
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.
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.
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.
With our easy online process and digital signing, there is no more messy paper clutter!
Get a fast decision, sign online and we can get the funds into your account in 60 Seconds with an OSKO instant payment.
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.
TV Loan
Computer Loan
Small Car Loan
Car Repair Loan
Dental Loan
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Medical Loan
Holiday and Travel Loan
Whitegoods and Household Loan
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.
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%.
To get a Cash Direct loan, you must be at least 18 years old, earn income, and have a phone and bank account.
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.
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.
In Australia, there’s no strict limit on the number of small loans you can have at once. However, lenders consider your overall financial situation, including your income, existing debts, and repayment capacity. At Cash Direct, you can apply for multiple small loans responsibly, but approval depends on your eligibility and ability to manage repayments without financial stress.
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.
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.
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.
Yes, you can repay your loan any time without being charged additional fees. Repaying early will also reduce your overall interest and fee cost.
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.
Yes, it is possible to get a loan in Australia even if you don’t have traditional employment. At Cash Direct, we assess eligibility based on your overall financial situation, including any regular income from Centrelink payments, pensions, or other sources, rather than solely on a job. Our Small Cash Loans are designed to provide fast, flexible funding for those in various financial situations. You can apply online, and our team will guide you through the options available.
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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