What’s the process?

1

Get in touch

Call 1300 933 053 or click the button below to contact us online and book a meeting with the team in our Canterbury office. Our consultant will discuss your financial requirements and our cash loan options with you.
2

Application review

To apply, you will need to bring your vehicle or valuables, plus two forms of ID (including photo ID) to our Canterbury office. If you’re pawning a vehicle, you’ll also need the vehicle’s registration papers or proof of ownership. Our consultant will inspect your asset that you’re leaving as security and verify your paperwork.
3

We’ll make you an offer

Our finance team will make you an on-the-spot cash loan offer based on the market value of your vehicle or valuables. They will also explain the terms of agreement to you and answer any questions you may have.
4

Transfer the cash in minutes

Once the loan is approved and you’ve signed the loan agreement, you’ll have the cash in your bank account in minutes! Remember, to receive the cash, you’ll need to leave your asset in our VIP secure holdings until the loan is repaid.
5

Get your asset back

Once the loan has been repaid within the agreed term, you can collect your vehicle or valuables clean and in mint condition. Too easy!
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Frequently asked questions (FAQ)

How quickly can I get the cash?

Cashify offer same-day cash loans if you submit your application before 3pm AEST on a weekday. Once the vehicle or valuables and all documents have been received, you can be approved for a cash loan within minutes and the money transferred into your account on-the-spot.

How much can I borrow?

Cashify can provide cash loans ranging from $3,000 up to $100,000. A finance lender will evaluate your asset to calculate its market value which will determine how much money you are eligible to borrow.

What documents do I need to get a loan?

You’ll need 100 points of ID (e.g. current Australian driver’s license and current passport/birth certificate), plus if you’re pawning a vehicle, you’ll need a copy of the vehicle’s registration papers or proof of ownership. Please note, Cashify only accepts vehicles or valuables that have no debt owing against them. This means any money owing against your asset must be paid off before you can use it as collateral in a cash loan. If you’re unsure, give our team a call on 1300 933 053 to discuss your options.

100 points of ID - what identification do I need to bring?

To begin the loan process, Cashify must verify your identification and you must present a total of 100 points of documents. Different type of identity documents are worth different points. You can use different combinations of documents to make up your 100 points, but you must include at least 1 primary document as part of your 100 points.

Primary Documents – 70 Points
• Birth Certificate
• Citizenship Certificate
• Current Passport

Secondary Documents – 40 Points
• Drivers Licence (with photo)
• Account Statement from an authorised deposit taking institute such as a bank, building society or credit union
• A licence or permit issued by a Commonwealth, State or Territory government agency (e.g boat licence)
• Identification card issued by a Commonwealth, State or Territory Government (e.g Healthcare Card, 18+ Card)
• Identification card issued by a Tertiary institute

Secondary Documents – 35 Points
• Local government land tax or rates notice
• Land Titles Office
• Document from the Credit Reference Association of Australia

What is a pawn loan?

A pawn loan requires you to offer up a vehicle or valuables (such as a car, motorbike, boat, luxury watch, jewellery or more), to use as security for the loan. The loan amount is determined by the market value of the vehicle or valuables you are pawning and your asset is then stored in Cashify’s VIP secure holdings for the loan term. By borrowing against an asset, it allows you to access lower interest rates, ensures a quick approval process and you don’t require a perfect credit history or employment to get approval.

I need my car for work, can I use another vehicle as security?

Yes you can! We understand that pawning your car may not suit everyone, so at Cashify we offer fast cash loans against most vehicles, plus other valuables. This includes cars, boats, motorbikes, jet-skis, trucks, caravans, luxury watches, jewellery and more! If you’re not sure, just call us on 1300 933 053 and ask!

What kind of vehicles can I pawn?

We accept most vehicles as security on a loan, including cars, boats, motorbikes, jet-skis, caravans, trucks and more!

I don’t have a vehicle, what else can I pawn?

We also accept luxury watches, jewellery and gold. If you have a valuable that’s not listed that you’re interested in pawning for a cash loan, just give us a call on 1300 933 053 to discuss!

Am I eligible to get a cash loan?

We’ve made our application process easy to ensure it’s fast and simple for you to get a cash loan, even if you have a bad credit history. To apply, you must:

  1. Agree to leave your vehicle or valuables in our VIP secure holdings until the loan is repaid
  2. Ensure the vehicle or valuable is unencumbered
  3. If pawning a vehicle, you must present a copy of the vehicle’s registration papers or proof of ownership
  4. Present 100 points of ID (e.g. current Australian driver’s license and current passport/birth certificate)

What if I have bad credit rating or bankrupt?

No problem! Cashify specialises in helping everyday Australians with our no credit check loan options. You can access a same-day cash loan with low interest rates when you take out a quick cash loan against a vehicle or valuable (such as a car, motorbike, boat, luxury watch, jewellery or more).

What if I am unemployed?

Yes, you can still get a cash loan with Cashify! You can access a same-day cash loan with low interest rates when you take out a quick cash loan against a vehicle or valuable (such as a car, motorbike, boat, luxury watch, jewellery or more).

Do all of the vehicle ownership papers have to be in my name to apply for a secured loan?

Yes, it still may be possible however more verification may be required. Give our team a call on 1300 933 053 to discuss your options.

I still owe money on my vehicle, can I still get a loan?

At Cashify, we only accept vehicles that have no debt owing against them. This means any money owing against your vehicle must be paid off before you can use it as collateral in a cash loan. Give our team a call on 1300 933 053 to discuss your options.

Where is your office located?

Cashify is conveniently located at 3 Marion Street, Canterbury, just off Church Street and the Great Western Highway.

Where is my vehicle kept?

Your vehicle will be stored in our secure holdings for the duration of the loan term. For peace of mind, the facility has 24-hour security monitoring and your vehicle will be given the VIP treatment throughout the loan period, from regular maintenance to returning your vehicle clean and in mint condition.

How long is the term?

Our standard loan term is 3 months, however you can pay off your loan earlier without penalty. If you require an extension or a more flexible options, please speak with our finance team on 1300 933 053.

How do I repay my loan?

Our team will go through the loan agreement in detail with you, including loan repayments.

What happens if I can’t afford to pay off my loan?

Our team will go through the loan agreement in detail with you, including the consequences if you can’t meet your repayments.

What happens once I’ve paid off my loan?

Once the loan term has ended and your loan has been repaid, you’ll just need to visit the Cashify office, sign some paperwork and pick up your vehicle or valuable – clean and in mint condition. Too easy!

What can I use my cash loan for?

Anything! You can use your cash 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!

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Do you still have questions?
Call today on 1300 933 053 or contact us online now.