INSTANT PERSONAL LOANS

Your choice of two Personal Loans from $500–$25,000*

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NEED AN INSTANT CASH SOLUTION?

Let Cashify help you instantly with a fast Personal Loan or our more premium Personal+Plus Loan – the choice is yours! See below and apply now!

PERSONAL LOAN

$500 – $5,000

Loan Rate 4% Monthly

Loan Term 3–12 Months

Instant* Cash Transfer

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Want to apply online or just need cash in a hurry?
This is a perfect solution for when you need a small sum of cash in a hurry for unexpected expenses or quick purchases.

To be eligible for a 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

PERSONAL+PLUS LOAN

$5,000 – $25,000

Loan Rate From 8.5% pa

Loan Term 6–36 Months

Instant* Cash Transfer

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Want to be rewarded with lower rates or need more cash?
Our premium Personal Loan option, rewarding your good credit with lower rates and fees. Be treated to the best!

To be eligible for a Personal+Plus Loan, you must:
Be currently employed
Minimum income of $50,000 p.a. before tax
Be an Australian citizen or permanent resident
Be 18 years or over

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.*

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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 24 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.

If you have any questions, please click here.
Ready to get started? Click below!

Personal Loans

Personal+Plus Loans

Website Terms and Conditions | Privacy Policy | Credit Guide | Dispute Resolution Policy | Responsible Lending

Cashify Personal Loans from $500.00 – $2,000.00: Maximum Monthly Interest Rate is 4%. Maximum Annual Percentage Rate (APR) is 48%. The Establishment Fee is 20% of the loan amount borrowed. Other fees may apply. Please refer to your loan contract for all fees, interest, and terms and conditions. Minimum loan contracts are generally 90 days with most loan contracts between 90 to 365 days. For example, a loan of $500.00 repaid over 3 months equates to a total amount payable of $702.00 comprised of $500.00 principal (amount borrowed), $100.00 Establishment Fee, $72.00 in interest and $30.00 in monthly account fees.
Cashify Personal Loans from $2,000.00 – $5,000.00: Maximum Monthly Interest Rate is 4%. Maximum Annual Percentage Rate (APR) is 48%. The Establishment Fee is $370.00. Other fees may apply. Please refer to your loan contract for all fees, interest, and terms and conditions. Minimum loan contracts are generally 90 days with most loan contracts between 90 to 365 days. For example, a loan of $2,000.00 repaid over 3 months equates to a total amount payable of $2,684.40 comprised of $2,000.00 principal (amount borrowed), $370.00 Establishment Fee, $284.00 in interest and $30.00 in monthly account fees.
Cashify Personal+Plus Loans between $5,000.00 and $25,000.00, the Annual Percentage Rate (APR) is from 8.50% to 29.99%. There is a $190.00 Establishment Fee for Personal+Plus Loans between $5,000.00 and $25,000.00, other fees may apply. Please refer to your loan contract for all fees, interest, and terms and conditions. For example, a Personal+Plus Loan of $10,000.00 borrowed for 12 months with the minimum Annual Percentage Rate (APR) of 8.50% p.a, would equate to a total amount payable of $11,176.15, comprised of $10,000.00 principal (amount borrowed), $190.00 Establishment Fee, $866.15 in interest and $120.00 in monthly account fees. Minimum loan term is 180 days or 6 months.
*Personal Loan funds are transferred to your bank account within 30 minutes of returning your signed contract between 9am and 9pm AEDST on business days. Clearance times are subject to your bank.
Cashify Pawn Loans maximum monthly percentage rate based on the loan terms selected: 25% (APR). Minimum loan contracts are generally between 62 to 90 days. For example, if you borrow $2,000 for a loan term of 62 to 90 days, your total monthly interest repayment will be $500 per month for 3 months; totalling $1,500 total interest repayment. View more.
^Pawn Loan funds are transferred to your bank account within 2 hours if approved by 3pm AEDST on business days. Clearance times are subject to your bank.

WARNING ABOUT BORROWING