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Loans from

$200 to
$25,000

Visa Loans

Fast Loans for
Temporary Worker Visas

Visa Loans from $200 to $25,000

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100% Online and Paperless

$200 to $2,000

paid over 1 to 12 months

up to $5,000

typically paid over 12 months

20 hours per week

Australian Employment

An Australian passport and a boarding pass on a desk beside a notebook

Loans from

$200 to
$25,000

Visa Loans

Visa Loan Eligibility

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.

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

  • Agood 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.

Funds in 60 seconds

On approval, any day
of the week.

Visa Loans

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 1 to 12 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

Funds in 60 seconds

On approval, any day
of the week.

Visa Loans

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

Funds in 60 seconds

On approval, any day
of the week.

Visa Loans

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.

Funds in 60 seconds

On approval, any day
of the week.

FAQ

Frequently Asked
Questions

Find quick answers to common questions about
Cash Direct small cash loans in Australia.

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Yes, Cash Direct offers a range of loan options for new migrants working in Australia, including those with a Temporary Working Visa, International Student Visa, or Family or Partner based Visa .
You can get Small Loans from $200 to $2,000 , and Medium Loans up to $5,000. Larger loans up to $25,000 may also be considered if you have higher income and repayment capacity.
To qualify, you need Australian Employment of at least 20 hours per week , an Australian bank account receiving wages responsibly, a valid Passport and Visa (visa term beyond loan term), clear credit in Australia, and a good Character Referee.
These loans are designed to help new Australian working migrants cover upfront expenses and obligations. This can include accommodation and transport expenses, new tools for work, reimbursing employers, overseas health cover, and transitionary or family expenses.
Yes, it is much easier. With permanent residency, larger banks and lenders are more comfortable lending to you, opening access to competitive car and home loans.
Cash Direct offers loans for many visas with working rights, such as the 482 Visa (Temporary Skill Shortage), 400 Visa, 462 and 417 Visas (Work and Holiday), 485 Visa (Temporary Graduate), 189 and 190 Visas (Skilled), and 820 and 801 Visas (Partner), plus 500 Visa (International Students).
Once approved, the money can be transferred into your Australian bank account within 1 hour. Small Cash Loans are generally paid within 60 minutes .
For Small Loans ($2,000 or less), there is a 20% establishment fee and a 4% monthly fee of the amount borrowed. For Medium Loans ($2,001 to $5,000), there is an establishment fee of $400 and a maximum interest rate of 48%.
Small Loans can be repaid over 1 to 12 months. Medium Loans can be repaid over up to 2 years. You can repay your loan any time without additional fees, which helps reduce your total cost.
No, Cash Direct is not affiliated with, or endorsed by, Services Australia. However, they do provide various cash, personal, and vehicle loans , including for people receiving Centrelink Benefits.

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