Discover why Cash Train is Australia’s lender of choice.


Cash Train is committed to transforming consumer lending in Australia. With a proud 20-year history and branches nationwide, we offer convenient access to financial solutions both in-person and online.
Our mission is to provide innovative, flexible, and inclusive credit options for all, ensuring everyone has a fair chance at finance.
Our application process takes just minutes to complete. All you need to do is answer some simple questions and provide your bank details.
We assess every loan application on a case-by-case basis. So even if you’re unemployed or have a poor credit history, we may be able to help.*
Your time matters. Enjoy a streamlined assessment process and expect a lending decision as quickly as possible.
Your loan should work for you, not the other way around. Understand exactly how much your loan will cost with our transparent terms.
Once your loan is approved, you can collect your money from your branch* or have it transferred directly into your bank account.
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:
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:
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.
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

Borrow money on your terms with loan amounts from $200 to $8,000. Our minimum amount is kept low so you don’t borrow more than you need.
At Cash Train, we're proud to be members of the National Credit Providers Association (NCPA).
By working closely with members and policymakers, the NCPA helps maintain a viable small loans industry that provides responsible lending and vital financial inclusion to around 1 million Australians a year.¹
¹CoreData, 2015 Consumer Credit Industry Report

EXAMPLE: Our Cash Loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 3 months has fees and charges totalling $320 (1 x $200 + 3 x $40), resulting in a total repayment of $1,320. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to Cash Loans.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.