SHORT-TERM PERSONAL LOANS

Borrow up to $5,000 instantly with Cashify!*

SHORT-TERM PERSONAL LOANS

Get $2,000–$5,000 instantly with Cashify!*

Need cash in a hurry or have an unexpected expense? Whatever you need it for, Cashify is here to help with $2,000–$5,000 Personal Loan transferred instantly into your account!*
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Want a faster loan?

Need cash in a hurry or have an unexpected expense? Whatever you need it for, Cashify is here to help with $2,000–$5,000 Personal Loan transferred instantly into your account!*
Read More

Personal Loans snapshot

Fixed rate
48% p.a.

Loan terms
3-12 months

Instant cash transfers*

Unsecured loan from $2,000 to $5,000

Ideal for emergency expenses, debt consolidation, household appliances, technology updates, travel, car upgrades and more

Easy online application

Flexible repayment options

Borrow from a trusted Australian owned and operated lender

Note: Estimated repayments are indicative only.
This does not constitute an offer of credit by Cashify.

Personal Loans snapshot

Fixed rate
48% p.a.

Loan terms 3-12 months

Instant cash transfers*

Unsecured loan from $2,000 to $5,000

Ideal for emergency expenses, debt consolidation, household appliances, technology updates, travel, car upgrades and more

Easy online application

Flexible repayment options

Borrow from a trusted Australian owned and operated lender

No hidden fees or charges

At Cashify, we know the importance of being honest and upfront with our rates. It’s all here, with no nasty surprises…

Loan Amount $2,000 to $5,000
Loan Type Unsecured
Loan Term 3 – 12 months
Loan Rate 48% p.a.
Repayment Options Weekly, Fortnightly or Monthly
Establishment Fee $370
Other Fees That May Apply Dishonour Fee: $15
Timings Receive the money in your bank account instantly* if you sign the approved contract between 9am–9pm on business days

No hidden fees or charges

At Cashify, we know the importance of being honest and upfront with our rates. It’s all here, with no nasty surprises…

Loan Amount $2,000 to $5,000
Loan Type Unsecured
Loan Term 3 – 12 months
Loan Rate 48% p.a.
Repayment Options Weekly, Fortnightly or Monthly
Establishment Fee $370
Other Fees That May Apply Dishonour Fee: $15

Frequently asked questions about Personal Loans Australia

Getting an instant Personal Loan can be simple! Below are some of the more common questions answered, however if you still have a question, check out the FAQs page or send us a message.

What’s the application process?

To apply for a Cashify loan, simply fill out the easy application form here. Our application forms are 100% online and we are unable to take applications over the phone or email.

The application form will require personal information, including proof of ID, employment, income and bank statements to verify your financial situation.

Once you complete the application form, you will receive an email to confirm we’ve received your application and it is being reviewed by our loan assessor. You will receive an email once a decision has been made.

Once your loan has been approved and you have signed a digital copy of the contract, we’ll transfer the full amount of your loan as cash into your nominated bank account.

Am I eligible?

To apply for a Cashify loan, you must:

  • Be 18 years or over
  • Be an Australian citizen or permanent resident
  • Be currently employed (see details below)

For a Personal Loan from $2,000 – $5,000, you must also:

  • Be currently employed Full Time, Part Time, Self-Employed or Casual
  • Centrelink must not be your main source of income

Cashify is a responsible lender and we only lend what we believe you can comfortably afford to repay. All applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

What can I use the money for?

Almost everything! You can use your loan for any occasion. The most common reasons for a loan are debt consolidation, home improvements, booking a holiday, planning a wedding, or for medical or family emergencies. Whatever you need it for, Cashify can help!

How quickly can I receive the money?

Once your Cashify loan is approved, the money will be transferred to your bank account instantly* if you sign the approved contract between 9am to 9pm on business days. Otherwise the loan will be processed on the next business day. Depending on your bank’s clearance times, you could receive the money in your account within minutes.

What information do you require?

Cashify requires some personal information from you when you are applying for your loan. This will help us confirm your identity, understand your financial position and ensure you can afford to repay your loan comfortably.

Identification
Provide ONE of the below forms of identification:

  • Australian Driver Licence Number
  • Australian Passport Number
  • Australian Medicare Number

Residential Details
Provide details of your current address

Employment & Income Details
Provide proof of your current employment, including:

For Full Time, Part Time and Casual Employment, you must provide a copy of:

  • Two of your most recent consecutive computer-generated payslips
  • Bank Authentification via a Secure Portal, or most recent bank statements covering the last 3 months

For Self Employed or Contractors, you must provide a copy of:

  • Most recent Notice of Assessment
  • Bank Authentification via a Secure Portal, or most recent Business and Personal Bank Statements covering the last 3 months

Expenses Details
Provide details of any extra income, Government Assistance and current liabilities, loans and expenses

Referee Details
Provide details of a friend or relative in case we can’t get in contact with you

Instant cash transfers,
Receive the money in your bank account instantly* if you sign the approved contract between 9am to 9pm on business days.

Frequently asked questions

How do I apply?

To apply for a Cashify loan, simply fill out the easy application form here. Our application forms are 100% online and we are unable to take applications over the phone or email.

The application form will require personal information, including proof of ID, employment, income and bank statements to verify your financial situation.

Once you complete the application form, you will receive an email to confirm we’ve received your application and it is being reviewed by our loan assessor. You will receive an email once a decision has been made.

Once your loan has been approved and you have signed a digital copy of the contract, we’ll transfer the full amount of your loan as cash into your nominated bank account.

Am I eligible?

To apply for a Cashify loan, you must:

  • Be 18 years or over
  • Be an Australian citizen or permanent resident
  • Be currently employed (see details below)

For a Personal Loan from $2,000 – $5,000, you must also:

  • Be currently employed Full Time, Part Time, Self-Employed or Casual
  • Centrelink must not be your main source of income

Cashify is a responsible lender and we only lend what we believe you can comfortably afford to repay. All applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

What can I use the money for?

Almost everything! You can use your loan for any occasion. The most common reasons for a loan are debt consolidation, home improvements, booking a holiday, planning a wedding, or for medical or family emergencies. Whatever you need it for, Cashify can help!

How quickly can I receive the money?

Once your Cashify loan is approved, the money will be transferred to your bank account instantly* if you sign the approved contract between 9am to 9pm on business days. Otherwise the loan will be processed on the next business day. Depending on your bank’s clearance times, you could receive the money in your account within minutes.

What documents do I need?

Cashify requires some personal information from you when you are applying for your loan. This will help us confirm your identity, understand your financial position and ensure you can afford to repay your loan comfortably.

Identification
Provide ONE of the below forms of identification:

  • Australian Driver Licence Number
  • Australian Passport Number
  • Australian Medicare Number

Residential Details
Provide details of your current address

Employment & Income Details
Provide proof of your current employment, including:

For Full Time, Part Time and Casual Employment, you must provide a copy of:

  • Two of your most recent consecutive computer-generated payslips
  • Bank Authentification via a Secure Portal, or most recent bank statements covering the last 3 months

For Self Employed or Contractors, you must provide a copy of:

  • Most recent Notice of Assessment
  • Bank Authentification via a Secure Portal, or most recent Business and Personal Bank Statements covering the last 3 months

Expenses Details
Provide details of any extra income, Government Assistance and current liabilities, loans and expenses

Referee Details
Provide details of a friend or relative in case we can’t get in contact with you

Top reasons why people apply for a loan

Cashify offer a range of unsecured Personal Loans for just about everything! Whatever you need the cash for, Cashify can help… From debt consolidation to home renovations, or purchasing a new car to dental work or even a holiday!
Click below to find out more…

Instant Short-Term Loans Online Made Easy

Sometimes life presents an unexpected challenge that leaves us in a difficult financial situation, and when this happens things can quickly become highly stressful for everyone involved. But when you have access to instant short-term loans, you can feel confident about getting the money you need to keep your finances in order whatever emergency life throws at you.

Nonetheless, not all short term loans and lenders are the same – and the most important thing is determining the right lender to work with and the right personal loan to take out, whether it’s for new caravan loan, debt consolidation loan, or anything between. Fortunately, it is possible to obtain small loans online from established and respected lenders such as Cashify, who can provide you with the short-term money you need with competitive rates and flexible repayment options.

When to Take Out a Personal Loan in Australia

Taking out a loan is a big decision, and one that shouldn’t be taken lightly. It’s important to think it through beforehand to make sure you’re lending for the right reasons, and you’ll be able to pay it back as well. Wondering whether a loan is right for you? Here are some situations where instant short-term loans can be useful and definitely the right decision.

  • When you can save money by consolidating your debt. Consolidating your debts is an easy way to save money on interest, and also makes your finances easier to manage by turning multiple repayments into one.
  • When a loan could make you money. Sometimes we need to spend money to make money, for example when there’s an opportunity to invest in a business, to attend a course that will improve your career prospects, or remodel your home to increase its value.
  • When you have emergency expenses that your savings won’t cover. Unexpected bills like medical, veterinary, car repair and other emergency bills can be expensive, but we don’t always have that money lying around. Taking out a loan to cover it and spread out the cost is a valid way to handle unexpected situations.
  • When you want to make a large purchase but spread out the cost of it. If you want to go on holiday, buy a car, plan a wedding or do a home renovation, that can be expensive. Getting a loan is a good way to spread that cost out over a longer period instead of paying it all at once.

As long as you’re sure you want to spend the money and feel confident that you can repay it, taking out a loan is not a bad decision.

Finding a Good Lender

There are plenty of predatory agencies offering short-term loans in Australia at incredible interest rates. They know that if you want a fast loan, you might be desperate and not have any other options. So how do you know who you should take a loan from, and how can you spot a good deal?

  • They check your credit. Look, it might be tempting to get a loan where it’s easiest to do so, but a good money lender is selective about who they lend to. If they perform a credit and background check, that means they’re serious about their business, and that’s what you want.
  • They have variety and flexibility when it comes to repayments. You never want to get stuck with a loan that takes you ages to pay off and where you don’t have a say in how often and how much you pay.
  • The interest rates are good. Always do your research on interest rates in the current economy to make sure you’re not being ripped off and could be paying less with someone else.

All of these criteria are met by Cashify, one of the top providers of Australian personal loans. Easily apply for our small loans online and get a competitive interest rate and flexible repayment options.

The Best Short Term Loans Australia Has Available

At Cashify, our approach is all about putting the individual customer at the heart of everything we do. After you have filled out the simple online application form, our team work carefully to assess your particular financial requirements and circumstances in order to determine the right solution for you.

The only requirements for making an application are that you are an Australian citizen or permanent resident, that you are over 18 years old, and that you are currently in employment. There is minimal documentation required and the whole process can be completed in a matter of minutes, with no need to provide collateral or security.

Benefits of Our Small Personal Loans

If we are unable to offer you a quick cash loan for any reason, we will provide you with advice and recommendations to help give you the best possible chance of having any future applications you make accepted. But if we accept your application, we will be able to offer you a personal loan of anything between $2,000 and $50,000, with tailored rates starting at 8.5% per annum. And our instant money transfer system means that your chosen amount should be deposited straight into your allocated bank account on the very same day you’re accepted.

Repayment options are varied and flexible, and can be worked out around your individual circumstances to make life as easy as possible for you while you’re paying back your short term loan. There are no early exit fees and we don’t apply additional charges if you want to make extra payments, giving you maximum flexibility to repay in your own way.

Apply for Small Loans Online Today or Contact Us for More Information

Our team of friendly and helpful staff are always more than happy to provide their advice and assistance to new and existing customers. Just get in touch via telephone, email or using the online contact form and we will get back to you with the answers to your questions and any further information you require in order to make an informed decision regarding the short-term loans online you have to choose from.

Once you are ready to get started, just complete the short online application form and send it off, and we’ll get back to you with the results of our assessment as swiftly as we can.
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If you have any questions, check our FAQs or send us a message
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