Got a cash emergency? We could help* Get started now!
Fast cash loan terms from 2 months to 12 months
Rated 4.2 — based on 303 Google reviews
Very easy when I needed it thankyou
Cash. Train helped me when I need I .I am a carer and needed my car fixed. Thank you so much. Can not fault them at all
Polite customer service.Willing to help in any situation or problems you might have. Prompt in giving loan into your bank account once acceted
This company did and has helped me with financial difficulties and I appreciate the help in so many ways I think this company is the best. & I'm hoping to reuse this company further in the future. Kinds and regards Janaya.
Thank you cash train, my loan was so helpful, and much appreciated, i have been with cash train for the past 7 years or so they ate so reliable & is easy to understand & fill out the application, cash train has a great team who is very polite & helpful if needing assistance, i Trevor recommend a cash train loan if in need. Thank you for being there for me, i greatly appreciate your much needed help respectfully,
Great service
I love Cash train ! I have been so well taken care of when i needed it most . If you want the best loan Company , use Cash Train . Never will you regret it . ❤️
Amazing service. So grateful i was given the opportunity to take a loan through Cash Train. An easy process from start to finish.
Is a really good site
Awesome 😎💯
Very good severvice
As a pensioner cash train has helped me more than once when I have needed it.
Great service with easy communication.Pleasure to do business with them
I've had a very good experience with cash train as I have moved in2 a new home & needed assistance with car maintenance & family sorry business cash train made my confidence so much stronger move forward in life we all have issues & we all appreciate receiving help thank U cash train for a welcoming experience
Can't fault The team, I applied online, before 12pm, was called back at 3pm, the process was easy, they replied fast, talked me through the signing process, the amount was decreased to fit my budget but it was enough to cover what I was after, electronic repayments set up so I don't miss a repayment and the funds were in my bank account within half an hour of receiving the acceptance email, absolutely recommend these guys if you ever need cash fast and don't want to end up in a Debt spiral. So thankyou cash train. Great job and very appreciative for all your help.
Another happy ending to my latest Cashtrain loan. They have helped me out many times over the years, when others wouldn't. After my marriage ended my credit rating wasn't a thing & nobody would help,; Cashtrain did , & have continued to even tho I'm on a pension & not the best on paper. Thank you Cashtrain, I appreciate it more than I can express. See you next time.
They have been kind and thoughtful to my need's. Hard to get a company like yours that a willing to take a chance. Thanks.
Excellent customer service and very helpful to my needs. Highly recommended to use this service. Thankyou cash train team 😊
Very polite worker, fast and efficient. Got the small loan the next day and very reasonable repayment plan. Will borrow from them again .
Quick and easy application, funds quick. Only place ill go through for a loan for about 6 years now. 🙌
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.
Reviewed and approved on 10th July 2026
By Cash Train
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 about 5 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.*
If your application is successful, a conditional loan offer is provided which outlines the terms of their loan agreement. You will need to review the offer before accepting the loan. This is to make sure that you are happy with the loan amount and repayment terms.
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:
Cash Train believes in responsible lending. 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:
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.
See how it works to learn more about our fast cash loans.
Cash Train takes great pride in delivering fast 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.
When you are ready to get started, head over to our quick loans page and apply now.
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 $2,100 to $8,000.
Potentially; as your trust rating improves, it may be possible to borrow more money with your next personal loan. As long as you can meet your loan repayments, and the loan that we can offer, meets your requirements and objectives, and that you 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.
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 loans with bad credit.
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 with Centrelink loans.
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.
