Cash Direct offers a range of loan options for new migrants working in Australia. If you are a Non-Permanent Resident in Australia, with a Temporary Working Visa, an International Student Visa or have a Family or Partner based Visa; you can qualify for a Cash Direct Visa Loan.
We offer Small Loans of between $200 to $2,000, that can be paid over 1 to 12 months. We also offer medium loans of up to $5,000, typically paid over 12 months. We can consider larger loans where you have higher income and capacity to repay a larger loan.

Visa Loan Eligibility

How can I qualify for a Visa Loan? Easy, you will just need to have:

• Australian Employment of at least 20 hours per week

• An Australian bank account, receiving your wages, and showing a consistent and responsible budget

• A valid Passport and Visa, supporting a Visa term that is beyond the loan term

• Clear credit in Australia

• A good Character Referee that can provide a character reference and be your back up contact

Applying for a Visa Loan is 100% Online and Paperless. It will take less than a few minutes to apply online, and once approved, you sign up electronically, and money is transferred into your Australian bank account within 1 hour. As a Cash Direct Member, you will get Express Service for any future loan needs.

Click here to Apply Online Now.

Is it easier to get a loan once you become a Permanent Resident?

Yes, much easier. Once you have your permanent residency, you will find the larger banks and lenders will be much more comfortable lending to you. You can then qualify for highly competitive car and home loans. Your permanent residency will also give you access to free education at Public Schools and access to Medicare, Australia’s Public Health Care System. If you need help funding your Permanent Resident Application, click here.

Non Resident Temporary Worker Visa Loan

The non resident temporary worker visa loan 482 Visa loan is our most popular loan that supports new migrant workers with initial expenses and getting set up for the new career and life in Australia.
This loan can also be available to all visas with working rights of at least 24 hours per week, such as:

• 482 Visa for Temporary Skill Shortage

• 400 Visa, and other bridging Visa’s for Temporary workers

• 462 Visa and 417 Visa for Work and Holiday Visas

• 485 Visa for Temporary Graduate Visa

• 189 Visa and 190 Visa for Skill based employer nominated worker visas

• 820 Visa and 801 Visa for Partner Visas

• 500 Visa for International Students

• Other Visas that provide working rights in Australia

These loans are typically:

• Small loans of up to $2,000 with Express Approval and typically paid over 6 months, or

• Up to $5,000 and at times larger if you have higher income and specific Visa or other need

• Paid weekly in line with your wages

• No extra charges for early repayment

Non Resident Temporary Worker Visa Loan

This Subclass 482 Visa, which replaced the 457 Working Visa, is a temporary skill shortage visa.
This Visa enables Australian employers to fill skilled labour shortages where they can’t source an appropriately skilled Australian worker.
This can typically be a minimum of:

• a 2 year stay for short-term stream

• Up to 4 years on medium-term stream

The applicant must have:

• Been nominated for a skilled position by an approved sponsor (the employer)

• Have the right skills to do the job

• Meet relevant English language requirements

Learn more about 482 Working Visas

What is the main purpose of a Temporary Work Visa Starter Loan?

This loan is designed to help a new Australian working migrant on a 482 Visa cover or other work related Visas with their upfront expenses and obligations in getting started, which typically include:

• Upfront accommodation and transport expenses

• New tools for job function, particularly for mechanical or chef related roles

• Reimbursing employer for expenses paid on their behalf

• Overseas health cover requirements

• Transitionary expenses, such as family expenses

• Sending funds home to cover off final domestic obligations quickly

To apply for a Cash Direct Visa Loan in minutes, click here.