Fast finance when you need it most

Your loan application is designed to be quick and easy and can be completed either online or in person at your local Cash Train branch in a couple of minutes.

Simply answer a few questions, provide us with 90 days' worth of bank statements and if you qualify, you could receive a conditional loan offer straight away.*

A conditional loan offer is provided to eligible applicants and outlines the terms of their loan agreement. Applicants are required to review their offer before accepting their loan.

Please be aware that your conditional loan offer will only become a binding contract once we’ve completed the necessary checks and have confirmed this via email or by sending the money to your account.

Yes, as a responsible lender we are required by law to review your latest 90 days’ worth of bank transactions. To make life easier, we’ve streamlined this process so there’s no need to print or scan any documents. Simply choose one of the following options:

• Use Open Data Solutions during your online application.
• Click the secure link we emailed you.

Our priority is ensuring your loan is affordable and suitable for you. To be considered for any of our Cash Loans or a Personal Loan, you must:

• Receive regular income (including Centrelink payments)
• Be an Australian resident
• Be at least 18 years old or over

If you’re eligible, you’ll receive a conditional loan offer that outlines the terms of your loan. While you review your offer, our team will check your identity and assess your suitability for borrowing with us. We know your time is important, and we will update you with an outcome as quickly as possible.

Once approved, you can sign for your loan online without having the stress and hassle of filling in and faxing back documents to us.

Cash Train takes great pride in delivering quick and easy cash loans to customers as soon as possible, often on the same day you apply**, but due to some banks' processing times, you may need to allow 1-2 working days for the funds to become available.

Upon approval, funds are digitally transferred into our customers' bank accounts, often within 30 minutes of approval.** This can vary depending on how quickly your application was approved and who you bank with, as some banks take longer than others for funds to clear. You can also choose to collect your cash from one of our branches.

Cash Train provides a range of loan options to help you find the most suitable loan for your needs.

The majority of our loan types are considered Cash Loans and are designed for borrowing smaller amounts ranging from $200 to $2,000. For larger amounts, our Personal Loans range from $2,001 to $4,600.

Browse all loan types.

Potentially; as your trust rating improves, it may be possible to borrow more money with another loan as long as you can meet your loan repayments,the loan meets your requirements and objectives and can afford the higher amount.

If you’re borrowing with us again, you could also benefit from a faster borrowing process. Since we already have your information on file, we’ll often just need the reason for your new loan, the amount you want to borrow and confirmation that your circumstances haven't changed.

Your loan repayments will be set up automatically through direct debit, so the money will be transferred from your bank account to us on the agreed dates. We can align your repayments with your pay cycle, like making monthly payments if you're paid monthly.

If you think you might have trouble making a payment, our friendly team is here to help.

Get in touch

Yes, you can! At Cash Train, we believe in giving everyone a go, even if your credit history isn’t perfect. Unlike big banks, we look at your overall financial situation and your ability to comfortably repay your loan. We're committed to inclusive lending and assess each application individually. So, even if you have bad credit, are unemployed and receiving Centrelink benefits, you could still get a loan with us*.

Check out our bad credit loans.

As a responsible lender, Cash Train may perform consumer credit checks and assess the income of all applicants before approving any loan. With that said, Cash Train can still provide an instalment loan to consumers with poor credit scores as long as they meet other eligibility requirements.

Check out our no credit check loans.

Cash Train's primary requirement for a loan is proof of income – which includes regular Centrelink payments. While this must be confirmed by a Centrelink Income Statement, Cash Train has helped many people on Centrelink secure a cash loan.

Absolutely! Your safety is our top priority. For over 20 years, we've been helping Australians access regulated credit solutions that come with strong consumer protections. You can trust us to keep your information secure and provide reliable financial support when you need it most.

Yes, we do! With branches across Australia, Cash Train offers face-to-face support in addition to our online services. You can easily visit your local branch to apply for a loan, get help from a real person, or pick up your money. Our branches are conveniently located in retail areas, making it easy to get the support you need.

Find your nearest branch.