RENOVATION LOANS

Improve your home with up to $50,000!

RENOVATION LOANS

Improve your home with $2,000–$50,000!

Turn your home improvement goals into reality with a Cashify Renovation Loan. Apply now and get from $2,000 to $50,000 cash with instant transfers into your account!* Whatever you need it for, let Cashify help you today!
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Add to your renovation budget instantly!*

Turn your home improvement goals into reality with a Cashify Renovation Loan. Apply now and get from $2,000 to $50,000 cash with instant transfers into your account!* Whatever you need it for, let Cashify help you today!
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Cashify Renovation Loan snapshot

Great rates
from 8.5% p.a.

Loan terms
3-84 months

Instant cash transfers*

Borrow from $2,000 to $50,000 to help with your home improvement expenses

Ideal for kitchen and bathroom updates, backyard pool or spa, landscaping, furnishings, the cost of builders, architects and labourers and more!

Easy online application

Tailored rates from 8.5% p.a.
(comparison rate from 9.45%^)

Instant* cash transfer into your account

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.

Cashify Renovation Loan snapshot

Great rates
from 8.5% p.a.

Loan terms 3-84 months

Instant cash transfers*

Borrow from $2,000 to $50,000 to help with your home improvement expenses

Ideal for kitchen and bathroom updates, backyard pool or spa, landscaping, furnishings, the cost of builders, architects and labourers and more!

Easy online application

Tailored rates from 8.5% p.a.
(comparison rate from 9.45%^)

Instant* cash transfer into your account

Borrow from a trusted Australian owned and operated lender

Frequently asked questions about Renovation Loans Australia

Getting an instant Renovation 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.

How does it work?

A Renovation Loan is a type of Personal Loan which allows you to borrow from $2,000 to $50,000 to cover the cost of your home improvements.

Simply follow these 3 easy steps to consolidate your debt.

  1. Complete a simple online application form – click here to apply now
  2. Our team will review your application and keep you updated via email on its progress
  3. Once your loan is approved, we’ll transfer the full amount of your loan as cash into your nominated bank account

You now have the cash on hand and flexibility to pay for your tradesmen, building materials and other renovation expenses, when you need!

Am I eligible?

To apply for a Cashify Renovation Loan, you must:

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

For loans 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

For loans from $5,000 – $50,000, you must also:

  • Be currently employed Full Time, Permanent Part Time or Self-Employed
  • Minimum income of $50,000 p.a. before tax

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 are the fees & charges?

We know the importance of being honest and upfront with our rates, fees and charges. It’s all here, with no nasty surprises.

For Personal Loans from $2,000 to $5,000

  • Loan Rate: 48% p.a.
  • Establishment Fee: $370
  • Other Fees That May Apply
    – Dishonour Fee: $15

For Personal+Plus Loans from $5,000 to $50,000

  • Loan Rate: From 8.5% p.a. (comparison rate from 9.45%^)
  • Establishment Fee: $498
  • Admin Fee: $10 per month
  • Other Fees That May Apply
    – Reschedule Fee: $14
    – Dishonour Fee: $15

Do I have to use a certain builder or tradesmen?

No. At Cashify, we don’t want to tell you how to renovate your own home. Unlike some other providers, Cashify Renovation Loans are not tied down to a specific building supplier. You can freely choose what builders, suppliers and tradesmen you want to use.

Will you pay my tradesmen directly?

No. Once your loan is approved, we will transfer the full loan amount straight into your bank account. You then have the flexibility to use the cash for whatever you need, whenever you need it.

I don’t have equity in my home, can I still get a 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.

Frequently asked questions

How does it work?

A Renovation Loan is a type of Personal Loan which allows you to borrow from $2,000 to $50,000 to cover the cost of your home improvements.

Simply follow these 3 easy steps to consolidate your debt.

  1. Complete a simple online application form – click here to apply now
  2. Our team will review your application and keep you updated via email on its progress
  3. Once your loan is approved, we’ll transfer the full amount of your loan as cash into your nominated bank account

You now have the cash on hand and flexibility to pay for your tradesmen, building materials and other renovation expenses, when you need!

Am I eligible?

To apply for a Cashify Renovation Loan, you must:

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

For loans 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

For loans from $5,000 – $50,000, you must also:

  • Be currently employed Full Time, Permanent Part Time or Self-Employed
  • Minimum income of $50,000 p.a. before tax

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 are the fees & charges?

We know the importance of being honest and upfront with our rates, fees and charges. It’s all here, with no nasty surprises.

For loans from $2,000 to $5,000

  • Loan Rate: 48% p.a.
  • Establishment Fee: $370
  • Other Fees That May Apply
    – Dishonour Fee: $15

For loans from $5,000 to $50,000

  • Loan Rate: From 8.5% pa (comparison rate from 9.45%^)
  • Establishment Fee: $498
  • Admin Fee: $10 per month
  • Other Fees That May Apply
    – Reschedule Fee: $14
    – Dishonour Fee: $15

Do I have to use a certain builder or tradesmen?

No. At Cashify, we don’t want to tell you how to renovate your own home. Unlike some other providers, Cashify Renovation Loans are not tied down to a specific building supplier. You can freely choose what builders, suppliers and tradesmen you want to use.

Will you pay my tradesmen directly?

No. Once your loan is approved, we will transfer the full loan amount straight into your bank account. You then have the flexibility to use the cash for whatever you need, whenever you need it.

I don’t have equity in my home, can I still get a loan?

The short answer is – yes!
Our Renovation Loans are a type of unsecured Personal Loan, which means less risk for you. Unsecured loans do not require you to put up any equity in your home as security on your loan.

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

You Can Easily Obtain a Home Renovation Loan Online Today

Finding the money you need in order to renovate your home in the way you desire is not always an easy task, but this does not mean you need to put off your planned renovation work indefinitely and continue to live in a home you’re not entirely happy with. Instead, you can quickly and easily obtain a loan for renovation work online with a reputable lender such as Cashify. Whether you want a new bathroom or kitchen or even an extension to your house, our renovation loans will cover it.

Why Consider a Home Renovation Loan?

Everyone deserves a home that they feel happy with, but most of the time that will require some personalisation. After all, how often do we find a house on the market that fits all our criteria? That’s what home renovations are for! However, if you dream about changing something around the home and you’ve started looking into home renovation, you’ve probably discovered just how expensive it can be. It’s the kind of money most people don’t have lying around, especially if they’ve just bought a house. That’s where a renovation loan comes into the picture.

A home renovation loan allows you to renovate with a much higher budget than you would otherwise be able to, without using up all of your savings in the process. This can enable you to make all the choices you actually want, without having to compromise because of costs. Don’t go for lower-budget, lower-quality options or for something that’s almost what you’re dreaming about, this is your home and you should be able to love it. A renovation loan will also let you hire contractors and other professionals to help you out, instead of doing everything yourself. We all love a bit of DIY, but the results usually aren’t as good as the professionals can provide, and it does take much more time. It also decreases the risk of anything going wrong, especially with essential and technical aspects like bathroom and kitchen renovations. Lastly, taking out a loan for a renovation can help you get the work done faster. Instead of spreading out the work, you can just spread out the cost and still get your home fully renovated quickly, getting you out of the construction site sooner rather than later.

Why Choose Cashify for Your Renovation Loans?

At Cashify, we are proud to be a fully Australian family owned and operated business, committed to providing the highest levels of value and customer service in every transaction we undertake. Our team of highly trained and experienced professionals understand that no two customers are in exactly the same financial situation, which is why we always strive to treat each renovation loan application on a case-by-case basis, working carefully to come up with the financing solution that is the perfect fit for the individual customer.

Who Can Apply for a Renovation Loan?

In order to be eligible to apply for a renovation loan, you just need to be an Australian citizen or permanent resident who is over the age of 18 and is currently in employment. The application can be completed totally online using our easy-to-use form, and the whole thing takes just a matter of minutes and requires minimal documentation for your ease and convenience.

Once a new application has been received, we review it swiftly but carefully in order to determine whether we can help you save money via restructuring or consolidating existing loans. If your application is ultimately successful, we will use our instant transfer system to send you the money, which should be deposited in your bank account the very same day.

Depending on your individual requirements and circumstances, you can borrow between $2,000 and $50,000. Our quick cash loans are available with a range of flexible repayment options, and we have no early exit fees or additional charges for extra payments.

With Cashify, you can enjoy:

  • Rates from 8.5% p.a.
  • Flexible repayment options
  • An easy application process
  • Instant cash transfer
  • Same-day approval
  • And excellent customer service

In other words, getting a loan for a renovation has never been easier especially after a debt consolidation loan or a recent wedding loan. And if for whatever reason we are unable to accept your application on this occasion, we will always provide friendly and professional advice and recommendations to give you the best possible chance of having any future applications accepted. We’re not just here to provide loans, we’re also here to provide financial advice and help you save money and sort out your finances.

Get Flexible Repayment Options with Cashify

If you’re looking to take out a renovation loan in Australia, there are countless reasons why Cashify is your best option. We recognise that everyone’s circumstances are unique and there’s no loan that fits everyone, which is why our renovation loans come with a range of flexible repayment options. Loan terms range from 3 months to 84 months and repayments can be made weekly, every two weeks or monthly. You can also make additional payments and exit your loan early if you come into some extra money, without additional charges or fees. A home renovation is stressful enough without worrying about finances and loan repayments at the same time, so choose a renovation loan in Australia with a stress-free application process and flexible repayment options. Choose Cashify.

And if for whatever reason we are unable to accept your application on this occasion, we will always provide friendly and professional advice and recommendations to give you the best possible chance of having any future applications accepted.

Get in Touch to Find Out More or Apply for Your Renovation Loan Now

If you would like to find out more information about us or if you have any questions regarding how we can help you access the financing you need to achieve your renovation goals sooner than you’d previously thought possible, feel free to get in touch with a member of our friendly and knowledgeable team at any time. We can be contacted via telephone, email, or using the form available on the contact page of our website, and we will always be more than happy to be of any assistance we can.

Otherwise, to apply for the best renovation loan Australia has to offer right away, just use the online form and you will hear back from us as soon as your application has been processed.
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If you have any questions, check our FAQs or send us a message
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