How it Works - Your Emergency Cash Loan

Got a Short Term Cash Emergency? Get Cash Online Through Cash Train

Fast Cash Whatever The Emergency!

With Cash Train, you could borrow between $200 and $2000 for whatever financial emergency you have. You must have a steady income to qualify and you get three months to repay your loan over. Apply Online Now.

It Takes Just Minutes to Apply Online Today!

You may wish to check how to qualify for a fast cash loan through Cash Train before you apply. The loan application takes just minutes and from some simple questions we can then give you a conditional loan offer* straight away - online! To qualify you must be employed and receive a regular income every month as well as being an Australian resident. As a responsible lender, the most important thing is that it's affordable and suitable for your needs.

The good news is that Cash Train may be happier to offer you a loan to suit your needs than other lenders, as we give you more time, three months to repay your loan with us. That means it is more affordable for you, helping you get back on track, when you need it.

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Loans are available from $200 to $2000 which are electronically transferred to your account when you have been approved, meaning you get your cash in the easiest possible way and more importantly as quickly as possible.

Our loan costs are the same for all states. We charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee over 10 weeks or three months, depending on whether you are paid, weekly, fortnightly or monthly.

Applying for Your Fast Cash Loan

Applying for your loan should take you just minutes, depending on your typing speed. The application is all done online and some automatic checks are done in the background to save everyone time so we can give you a loan offer straight away.

Accepting Your Loan Offer with Cash Train

Good news! You can sign for your loan online without having the stress and hassle of filling in and faxing back documents to us.

When we have given you your conditional loan offer*, it is important to read through the terms of the agreement online as it is your legal responsibility when you borrow money.

Please be aware that your offer only becomes a binding contract once we have completed the checks necessary and have confirmed this with you via email or by sending the money to your account.

Checking Your Financial Status

As the whole purpose of taking out a cash loan through Cash Train is to get you your express cash loan as quickly as possible, we will need to review your last 90 days worth of bank statements to confirm that your loan will be affordable for you. The simplest way to send us your statements is to use Decision Logic during your application online, or by clicking on the secure link which we will email to you when you apply.

* We have a legal requirement to view and assess your bank statements as a new customer, every 90 days or if you have had a change in circumstances such as a change in job or you have taken out other short term loans or payday loans, during this period.

Getting Your Cash Loan - Fast!

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Man with Cash LoanAs soon as we have completed our assessment and approved your loan offer, the funds will be digitally transferred to your account within 1 business day. Depending on who you bank with will determine the speed the money takes to hit your account. Some banks take longer than others for funds to clear.

Are you ready? Check out how fast is really is to get your express cash loan today when you apply online through Cash Train!

Repaying Your Loan

It's part of the deal!

Check out our loan costs to make sure you understand what you will have to repay. We believe in being up-front with all the costs and have no hidden charges or fees for you to worry about.

Repaying your loan is done automatically in the background on the agreed repayment dates. The funds will be digitally tranfered to us from your account by its direct debit facility.

Unlike payday lenders, with Cash Train, you get to repay your loan in smaller chunks over 10 weekly payments if you are paid weekly, 5 if you are paid fortnightly or over 3monthly payments if you are paid monthly.

If you think you may run into difficulty and your situation changes so that you are unable to make the repayment, give us a call as it is may be possible to reschedule your repayment. See loan costs for further details.

Existing Customers

Existing customers can benefit from a faster borrowing process and as your trust rating improves, it may even be possible to borrow more money with any subsequent loan - as long as you meet loan payments and repay your loan in full, on time and can afford the higher amount.

* If you are borrowing with us again and you have taken out any other small amount credit contracts in the last 90 days or it has been over 90 days since we viewed your documents, it is a legal requirement for all lenders to assess your application and view 90 days worth of bank statements.