Cash in your bank account instantly*
Apply on the go! Easy & secure online form
Flexible loan payment options from 3–12 months
Australian owned and operated with VIP service
NEED FAST CASH?
Cashify Personal Loans are faster, easier & 100% Aussie!
Cashify is here to help everyday Aussies from life’s big moments to the unexpected surprises. Get $500–$5,000 cash instantly with a fast Personal Loan Australia wide!*
Apply for a Cashify Personal Loan online from anywhere, anytime – it’s easy, secure and you can get $500 up to $5,000 cash transferred into your bank account instantly 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 $5,000 (Need more? Read about our Personal+Plus Loans or our Pawn Loans.) |
| Loan Term | Flexible – 3 months to 12 months |
| Establishment Fee | 20% of loan amount, for loans under $2,000 $370, for loans over $2,000 |
| Interest Rate | Maximum monthly interest rate is 4% |
| 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 instantly* if you sign the approved contract between 9am–9pm on business days |
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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 require ID, proof of income & bank details.
Step 4:
Loan Review
For a speedy review, we’ll verify your bank details, income & expenses.
Step 5:
Fast Transfer
Get money in your account instantly 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.
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.
How much can I borrow?
Cashify provides Personal Loans ranging from $500 up to $5,000 and more premium Personal+Plus Loans from $5,000 up to $15,000. If you are in need of a loan more than $15,000, refer to Pawn Loans – click here.
Will an employment check be carried out?
Cashify may carry out an employment check when reviewing your Personal Loan application. The employment checks may be performed on a case by case basis.
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 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 admin fee: $10
• Monthly interest rate: 4% of the loan amount
For Personal Loans ranging from $2,000 to $5,000:
• Establishment fee: $370
• Monthly admin fee: $10
• Monthly interest rate: 4% of the loan amount
For Personal Loans ranging from $5,000 to $15,000:
• Establishment fee: $190
• Monthly admin fee: $10
• Interest rate: Flexible (Tailored for you based on application)
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@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@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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