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

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.

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.

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

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.

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.

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.

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!

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

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@cashifyloans.com or click here to complete our online form.

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