Cashdirect — we help.
LoginApply Now
Apply Now
A mechanic kneeling to change the wheel of a car by the roadside

Loans from

$200 to
$25,000

Visa Loans

Get Equipment Loans
for Visa Holders

Visa Loans from $200 to $25,000

Apply Now

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

A mechanic kneeling to change the wheel of a car by the roadside

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 hereto 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

Work Tools and Equipment Loan, for Australian Visa Workers

The work tools loan for Australian Visa workers is designed to provide a loan to fund the initial expense of purchasing your own tools and equipment required for your new job and career.

Sometimes your employer and sponsor will fund this, but often you do need your own tools, particularly for specialist mechanics.

This can also extend to other forms of work equipment needed – whether it be a laptop, computer, or other required electronic and office equipment, work wear, and even training needs.

Funds in 60 seconds

On approval, any day
of the week.

Visa Loans

How should work related tools, equipment and other items be purchased?

When purchasing any work-related tools, it is important to keep a record of them with a valid receipt, and ensure you incorporate this spend in your Annual tax return.

That is because the Australian Taxation Office (ATO) allows for Work Related Tax Deductions. The general rule is that any work-related expense that is directly driving your income, can qualify as a valid tax deduction.

This is most relevant with our customer base of skilled migrants Deductions for works tools and equipment. See this prior link to learn about what qualifies, but certainly hand tools, such as spanners, hammers, screwdrivers, power tools, and all protective equipment qualify. For individual items less then $300, you can claim an immediate deduction for their cost in your next tax return.

You can also claim the cost of repairing and insuring your tools. You may also be able to claim the interest cost of funding these tools.

Speak to your tax advisor to confirm your best approach to ensure you get the full legal tax offset in your next tax return.

Funds in 60 seconds

On approval, any day
of the week.

Visa Loans

How does a work tools and equipment loan work?

You should set an itemised budget for your tools and equipment, and then finalise the exact overall amount needed. We can then pre-fund your loan so you can negotiate your final price and budget.

We can then pay that amount directly to your tool supplier or transfer the amount to your nominated bank account when ready to purchase the tools.

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.

Safe & Secure

Your data is
100% protected

Quick Process

Simple, fast &
hassle-free

Here to Help

Support when
you need it

View all FAQs

Yes, you can get a loan in Australia even if you’re on a visa. Many lenders offer personal ,car , or cash loans to temporary visa holders such as international students , skilled workers , and partner visa holders . You’ll usually need to show proof of stable income ,anAustralian bank account , andavalid visa with sufficient time remaining. Eligibility and loan amounts may vary depending on your visa type and employment status.
To qualify for a Visa Loan, you need to be a Non-Permanent Resident in Australia holding a Temporary Working Visa, an International Student Visa, or a Family or Partner based Visa . You must also 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 with a term beyond the loan term, clear credit in Australia, and a good Character Referee.
For Small Loans ($2,000 or less), there is a 20% establishment fee of the amount borrowed and a 4% monthly fee of the amount borrowed. For Medium Loans (between $2,001 and $5,000), the maximum interest rate is 48% and there is an Establishment Fee of $400.
Yes, the Australian Taxation Office (ATO) allows for Work Related Tax Deductions for expenses that directly drive your income. For individual items less than $300, you can claim an immediate deduction. You may also be able to claim the cost of repairing, insuring, and even the interest cost of funding these tools. It's recommended to speak to your tax advisor to confirm your best approach.
Repayment terms for Small Loans are 1 to 12 months, and for Medium Loans, they are up to 2 years.
Cash Direct offers S mall Loans between $200 to $2,000 (repayable over 1 to 12 months) and Medium Loans of up to $5,000 (typically paid over 12 months) . Larger loans can be considered if you have higher income and capacity to repay.
Once your application is approved and you sign up electronically, the money is typically transferred into your Australian bank account within 1 hour.
Yes, you can repay your loan any time without being charged additional fees for early repayment. Doing so will also reduce your overall interest and fee cost.
Yes, it is much easier to get a loan once you have your permanent residency. Larger banks and lenders become more comfortable lending to you, allowing you to qualify for highly competitive car and home loans.
You should set an itemised budget for your tools and equipment, and then finalise the exact overall amount needed. Cash Direct can pre-fund your loan and then pay that amount directly to your tool supplier or transfer the amount to your nominated bank account when you are ready to purchase the tools.
Most lenders prefer a credit score of around 600 or higher for an equipment loan . However, approval doesn’t depend on credit score alone — lenders also consider your business history , revenue , and the type of equipment being financed. Some alternative or online lenders may approve applicants with scores as low as 550 , though rates and terms might be less favorable.

All Set? Get Started With Your Application

Apply Now