Payday Loans

Yes! Although we still take your credit score in to account, we are more interested in your current income levels, which determine your capacity to repay the loan. We understand that many Australians have a poor credit history — often through no fault of their own. It is easy to develop a bad credit rating if you are unemployed for a short amount of time or suffer from an unexpected illness. CashnGo payday loans are designed to help these Australians. We are more concerned about your current financial history and not what has happened previously. Even if you have a credit history that isn’t perfect, you may still be eligible for one of our short term loans.

Applying for a loan is simple. You can apply via our website or via one of our conveniently located self service kiosks. Applications are processed 24 hours a day, 7 days a week. Once you have been approved for a payday loan, we will immediately transfer the funds into your bank account.

Virtually anyone with a steady income can apply for a payday loan. To receive a loan, you must be:

• 18 years of age or older
• Receiving a regular income, for at least 3 months prior to applying
• An Australian citizen or permanent resident
• Not in financial hardship or bankrupt

For most people, the easiest way to apply is via our website. Applications can be submitted using any computer, smartphone, or tablet device. We also have convenient self-service kiosks in various locations in NSW, QLD, and VIC. Visit this page to learn more about the location of our kiosks.

After you have submitted your payday loan application, it will be assessed using our advanced proprietary technology. In most cases, you will know if your loan has been approved in a few minutes. Once approved, the funds will be immediately sent to your bank account. However, bank transfer delays may apply.

Payday loans are a convenient option for dealing with any urgent or unexpected expenses. They are essentially small personal loans that can help you deal with all types of financial problems.

Common uses for CashnGo payday loans include:

• Unexpected medical expenses
• Car repair or registration costs
• Veterinary bills
• Unexpectedly high electricity, water, or rates bills
• Personal gifts for friends and family
• Additional cash during a holiday

We use a very simple-to-understand fee structure. All payday loans will incur an establishment fee of 20% of the amount borrowed. There will also be a monthly fee of 4% of the amount borrowed for the lifetime of the loan. For additional information relating to Fees & Charges please contact our Customer Care team on 13 13 11.

The simplest way to pay back your loan is by setting up a direct debit payment. Payments will be automatically taken out of your nominated bank account weekly, fortnightly, or monthly. You can also make additional payments through our website.

If there isn’t enough money in your account for your payment to be debited, you may incur dishonour fees from your bank and from CashnGo. If there are insufficient funds in your bank for an upcoming transaction, contact our Customer Care team on 13 13 11 to make other arrangements. If you are undergoing financial hardship, contact us and we will do our best to make adjustments to your loan contract.