EMERGENCY LOAN

Get $500–$10,000
cash in your account
in 30 minutes!*

Unsecured Personal Loans $500–$10,000
Cash in your bank account in only 30 minutes*
Apply on the go! Easy & secure online form
Flexible loan payment options from 3–24 months
Australian owned and operated with VIP service

SURPRISE EXPENSE?

Control those unexpected life situations with a Cashify Emergency Loan from $500!

Cashify is here to help when life has thrown you an unexpected cost that you haven’t budgeted for. Apply now and get $500–$10,000 cash in just 30 minutes* with a quick Personal Loan Australia wide!

From vet bills, to broken appliances, flooding or funeral costs… Whatever you need the cash for, you can apply for a Cashify Personal Loan online from anywhere, anytime! It’s easy, secure and you can get $500 up to $10,000 cash transferred into your bank account within 30 minutes if the contract is signed between 9am – 9pm on business days.*

Am I eligible?

For a Cashify Personal Loan, you must:

Be currently employed (includes Casual & Part-Time)

Centrelink must NOT be your main source of income

Be an Australian citizen or permanent resident

Be 18 years or over

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For a Cashify Personal Loan

Fields marked with an * are required.
Note: Repayment is indicative only. This does not constitute an offer of credit by Cashify.

Cashify Personal Loan details

Loan Type Unsecured Personal Loan
Loan Amount $500 to $10,000
(Need more? Read about our Pawn Loans.)
Loan Term Flexible – 3 months to 18 months
Establishment Fee 20% of loan amount, for loans under $2,000
$370, for loans over $2,000
Monthly Fee 4% of loan amount
Monthly Admin Fee $10
Late Payment Fee
Reschedule Fee
Dishonour Fee
$10
$14
$30 (Direct Debit)
Repayment Options Flexible – Weekly or Fortnightly
Timing Receive the money in your bank account within 30 minutes* once the signed contract has been returned
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Do you have a bad credit rating, unemployed or bankrupt and not eligible for a Cashify Personal Loan? Click here to read about our Pawn Loans which offer NO credit or employment checks!

Personal Loans Australia wide in 5 easy steps online

Step 1:
How Much

To start off, tell us how much cash you would like to borrow today.

Step 2:
Identification

We’ll just need some basic details to provide the necessary identification.

Step 3:
Documents

As a responsible lender, we need bank statements and proof of income.

Step 4:
Loan Review

Your income and expenses will be verified and we’ll assess your loan.

Step 5:
Fast Transfer

Get money in your account in 30 mins once the contract is signed.*

Get Started

Frequently asked questions about Personal Loans Australia

Getting an instant Personal Loan can be simple! Below are some of the more common questions answered, or call us on 1300 933 053 to discuss with our team today.

How quickly can I get the cash?

Receive the money in your bank account within 30 minutes once your signed contract is returned, between 9am and 9pm on business days.*

How much can I borrow?

Cashify can provide Personal Loans ranging from $500 up to $5,000. If you are in need of a loan more than $5,000, refer to Pawn Loans – click here.

How do I apply for a Personal Loan? What documents and identification do I need?

To apply for a Personal Loan, you must:
• Be 18 years or over
• Be an Australian citizen or permanent resident
• Be currently employed (Centrelink must NOT be your main source of income)
• Have an active bank account

Step 1: Tell us how much cash you require and how long you need it for

Step 2: Provide personal details and identity verification
You will need to provide ONE of the below forms of identification:
• Australian Driver Licence Number
• Australian Passport Number
• Australian Medicare Number

Step 3: Provide residential details

Step 4: Provide employment and income verification
You must be currently employed and Centrelink must NOT be your main source of income.

For full-time, part-time and casual employment, you will need to provide a copy of:
• Two of your most recent consecutive computer-generated Payslips
• Most recent Bank Statements*, covering the last three months

For self-employed or contract employment, you will need to provide a copy of:
• Most recent Notice of Assessment
• Most recent Business and Personal Bank Statements*, covering the last three months

*If you are on Government entitlements, please ensure your Bank Statements clearly show your Australian Government Allowance deposited into your account. Remember we can not issue Personal Loans to anyone for whom Government entitlements or allowance are the main source of income.

Step 5: Provide information about your credit history

Step 6: Provide a friend or family’s contact details

You will receive instant confirmation that your Personal Loan application has been received by our financial team to review.

What is a Personal Loan?

A Personal Loan is an unsecured loan that allows you to access fast and hassle-free cash through a simple online application process.

What if I have a bad credit rating or I’m unemployed? Can I still get a Personal Loan?

If you have a bad credit rating or currently unemployed you are not eligible for a Personal Loan. However, our Pawn Loan option has no credit or employment checks – click here.

What if I am on Centrelink? Can I still get a Personal Loan?

Yes, you may still be eligible for a Cashify Personal Loan if you are currently employed and Centrelink is NOT your main source of income.

How long is the term?

We offer loan terms from a minimum of 3 months to maximum 12 months. If you require an extension or a more flexible option, please click here and tell us about your financial needs.

How do the Personal Loan repayments work and what happens if I miss a payment?

We offer flexible weekly or fortnightly repayment options. Repayments will be determined at the start of the contract and in relation to the terms you selected. For example, weekly repayments will be debited from your account each week at the same time, fortnightly will be debited every two weeks.

If you miss a repayment you will be charged a late fee of $10. You will be notified by our team and we will attempt to call you to reschedule your missed payment. If we are unable to deduct a full repayment from your bank account, you will be charged a dishonour fee of $30.

What rates are associated with my Personal Loan?

For Personal Loans ranging from $500 to $2,000:
• Establishment fee: 20% of the loan amount
• Monthly account keeping fee: 4% of the loan amount
• Monthly admin fee: $10

For Personal Loans ranging from $2,000 to $5,000:
• Establishment fee: $370
• Monthly account keeping fee: 4% of the loan amount
• Monthly admin fee: $10

Other fees may apply. Please refer to your loan contract for all fees, interest, and terms and conditions.

What can I use my Personal Loan for?

Anything! You can use your Personal Loan for any occasion. The most common reasons for a cash loan are debt consolidation, booking a holiday, planning a wedding, organising renovations or for medical or family emergencies. Whatever you need it for, Cashify can help!

Can I check how much is left on my Personal Loan?

Yes, you can check the balance of your Personal Loan at any time. Please speak with our finance team by emailing info@beta.cashifyloans.com or click here to complete our online form.

Can I pay off my Personal Loan early? Can I make extra repayments?

Our minimum loan term is 3 months.
If you pay your Personal Loan off earlier, you will be charged an early repayment fee of $150.
Yes, you can make extra repayments. To arrange, please speak with our finance team by emailing info@beta.cashifyloans.com or click here to complete our online form.

Can my Personal Loan be increased?

No. Your Personal Loan must be repaid in full before you can apply for a new loan.

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If you have any questions, please click here.
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