About Cash Train

Cash Train has been helping Australians access short-term finance for over 20 years. We started out by offering payday loans to provide quick cash for unexpected expenses, and over time, we’ve expanded our services to include personal loans, pawnbroking, and even foreign currency exchange.

Whether online or in branch, we’ve stayed committed to making finance more accessible—especially for people who may not qualify with traditional lenders. We'll give you a go!

Cash Train is owned by Commit Co Pty Ltd. Our loans are offered through two licensed entities:

• Online Loans Pty Ltd for online loan applications and
• Branch Loans Pty Ltd for our branch network.

Yes, we are a proud member of the National Credit Providers Association (NCPA), which promotes responsible lending practices across the industry.

At Cash Train, our core values guide everything we do. We believe in being fair, inclusive, and responsible. We aim to provide access to credit for everyday Australians—especially those who may feel overlooked by traditional lenders. That includes people with past credit issues or those receiving Centrelink benefits.

We value transparency, which means no hidden fees or surprises, and we support flexibility, allowing early repayments without penalty. Most importantly, we treat our customers with respect and understanding, offering support at every step of the way—because we know that life doesn't always go to plan.

Being a responsible lender means we assess every loan application to make sure the loan is suitable and affordable for each customer. We follow all regulations under the National Consumer Credit Protection Act.

Cash Train is a lender you can trust.

Cash Train is here to help when you need fast, flexible finance—with a focus on fairness, understanding, and transparency. We’ve been supporting Australians for over 20 years, and we understand that not everyone fits the mould of a traditional bank or lender.

Here’s why customers choose us:

• Inclusive lending: We consider applications from people with bad credit or those receiving Centrelink benefits.
• Simple application process: You can apply online in minutes or visit one of our friendly branches.
• Fast decisions and funding: If approved, you can get your funds quickly—either by bank transfer or cash pick-up in branch.
• No hidden fees: We’re upfront about costs, and there are no penalties for paying your loan off early.
• Friendly customer support: Our team is here to help, not judge. We take the time to understand your needs.
• Flexible loan options: We offer loans from $200 to $8,000, with different repayment terms based on what suits you.

We know life doesn’t always go to plan. That’s why Cash Train is focused on giving you a fair go—giving you access to loans when it matters most.

We offer cash loans from $200 to $2,000 and personal loans from $2,001 to $8,000. Loan terms range from 2 to 20 months, depending on the loan amount.

Alongside our loan products, we also offer pawnbroking services and currency exchange at selected branches.

At Cash Train, we believe your credit history shouldn’t define your future. We understand that life can throw curveballs, and we’re here to offer support—not judgment.

If you’ve had trouble with credit in the past, we’ll still take the time to assess your current situation. We look at your ability to afford the loan now, based on your regular income and recent bank statements—not just your credit score.

Many of our customers have been approved even after being declined elsewhere. As long as you meet our eligibility criteria, you can apply, and we'll give you a fair go.

To learn more, visit our Bad Credit Loans page.

Yes. We accept a range of Centrelink benefits as income, including JobSeeker, Disability Support Pension, and Family Tax Benefits. You can apply for a Centrelink loan, even if Centrelink is your only income.

To qualify, you need to be 18 or over, a resident of Australia, have regular income (including Centrelink considered), and provide 90 days of bank statements. You’ll also need a valid phone number and email address, when applying online.

We make it easy to apply for a loan, whether you prefer to do it online or in person at a branch.

Online Application Process:

1. Apply Online: Complete a quick and simple online loan application.
2. Provide Your Bank Statements: Securely share 90 days of bank statements through our trusted partner, Illion.
3. Assessment: We assess your income, expenses, and affordability, while considering our responsible lending obligations and loan suitability*.
4. Adjusted Loan Offer: If we need to adjust the loan contract, you’ll receive a new contract for you to review and sign. Otherwise, if approved, we will proceed straight to funding.
5. Get Funded: As the contract has already been signed, we’ll send the money to your bank account—often on the same day using NPP instant transfer** (subject to your bank).

Branch Application Process:

1. Visit a Branch: Bring valid ID and proof of income to one of our friendly branches.
2. Apply in Person: Our staff will guide you through the application.
3. Assessment: In line with our responsible lending obligations, we assess your income, expenses, and affordability and loan suitability as part of our assessment*.
4. On-the-Spot Funding: If approved, you can receive cash on the spot—no need to wait for a bank transfer.

Whether you apply online or in a branch, the process is designed to be fast, clear, and stress-free.

Learn more about how it works and how to apply.

Yes, if you’re struggling with repayments, we encourage you to contact us as soon as possible. We have a dedicated team to help find a suitable arrangement.

No, we’re upfront about all fees and charges. There are no hidden costs and no penalties for paying off your loan early.

You can reach us by phone, through our website contact form, or by visiting a branch. Visit our contact us page to get started.

You can use the branch locator on our website to find your nearest Cash Train location