PERSONAL+PLUS LOANS

Borrow $5,000–$15,000 instantly & be rewarded with lower rates*

Premium Personal Loans $5,000–$15,000
Instant cash in your bank account*
Be rewarded for good credit with lower rates
Flexible loan payment options from 6–24 months
Australian owned and operated with VIP service

PREMIUM LOAN SOLUTION PERSONALISED FOR YOU

Cashify Personal+Plus Loans are tailored to your individual financial situation.

Cashify is here to help with life’s bigger moments, from special events to home renovations, car upgrades, plus more. Our premium Personal+Plus Loans reward your good credit history with lower rates! Plus you can borrow cash fast, with $5,000–$15,000 transferred into your bank account INSTANTLY if you sign the contract between 9am – 9pm on business days.*

Am I eligible?

For a Cashify 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

Apply for a Cashify Personal+Plus Loan online from anywhere, anytime – it’s easy, secure and flexible… personalised just for you!

APPLY NOW

For a Cashify Personal+Plus Loan

  • Want to borrow less?
    Click here to apply for $500 to $5,000 with a 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+Plus Loan details

Loan Type Unsecured Personal Loan
Loan Amount $5,000 to $15,000
(Need more? Read about our Pawn Loans.)
Loan Term Flexible – 6 months to 24 months
Interest Rate Flexible (Tailored for you based on application)
Establishment Fee $190
Monthly Admin Fee $10
Late Payment Fee
Reschedule Fee
Dishonour Fee
$10
$14
$30 (Direct Debit)
Repayment Options Flexible – Weekly or Fortnightly
Transfer Times Receive the money in your bank account instantly* if you sign the approved contract between 9am–9pm on business days
Apply Now

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+Plus 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+Plus 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 quickly can I get the cash?

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

How much can I borrow?

Cashify can provide Personal+Plus Loans ranging 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
• Minimum income of $50,000 p.a. before tax
• 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+Plus Loan?

To be eligible for a Cashify Personal+Plus Loan you must currently be employed and have a minimum income of $50,000 p.a. before tax.

How long is the loan term?

We offer Personal+Plus loan terms from a minimum of 6 months to maximum 24 months, depending on the amount you wish to borrow. 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 Personal+Plus loan term is 6 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.

Apply NowApply Now

Top reasons why people apply for a Cashify loan

Learn more about the types of loans available by clicking below.

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