Fast Loans for Temporary Worker Visas
Visa Loans from $200 to $25,000
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.
All Set? Get Started With Your Application
Apply NowFrequently Asked Questions
View allYes, 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, typically 3-12 months. Medium Loans are usually paid over 12 months, or 3-24 months. 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.
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
%201.svg)
%201.png)