Fast Cash Loans
Swift, simple, secure. Handle urgent expenses and get back to what matters most with our fast cash loans.
Why choose Cash Train for a fast cash loan?
Stress-free application
Our loan applications can be done online or at your local branch. Simply answer a couple of quick questions and provide your bank details.
Responsible lender
With a proud history of giving Australians a go over the last 20 years, Cash Train is proud to be part of the communities it serves.
Seriously fast loan approvals
We value our customers' time. Once approved for a fast cash loan, you can have the money direct debited to your bank account via NPP transfer in as little as 30 minutes.*
Eligibility
As a responsible lender, our priority is ensuring our instalment loans are affordable and suitable for our customers.
To meet our lending criteria, you must:
Existing customers can benefit from a faster borrowing process. As your trust rating improves, you may borrow more money with any subsequent loan - as long as you meet loan payments, the loan meets your requirements and objectives and repay your loan in full, on time and can afford the higher amount.
Our application process
Need a cash loan fast? Get convenient financial relief in 4 easy steps.
Apply online
Fill out your online application form in just a couple of minutes from the comfort of your home, on the train or in the office.Get your loan offer
Get your loan conditionally approved** which outlines the terms of your cash loan while you wait for final approval.Receive approval
Our team is dedicated to balancing efficiency with a fair loan decision and we’ll let you know as soon as your loan is approved.**Get your money fast
Once your loan is approved, we'll send your money within 30 minutes via an instant funds transfer.*What can I use a fast cash loan for?
Urgent travel
From flights to accommodation, our finance solutions will get you where you need to go.
Definition & Features
Application fee
A fee that is charged when you apply for a loan and your loan is approved.
Extra repayments
Extra repayments are made after the establishment of the loan and could help reduce fees and repayment term.
Loan use
The conditions for use of loan. Our loans can not be used for general living expenses such as rental payments or grocery costs.
Loan term
The length of the loan. Short-term loans often have lower monthly fees, whereas longer loans have lower repayments and higher rates.
Rates, fees, and limits
Why our customers love us
Learn why we're one of Australia's trusted lenders.Example loan costs
EXAMPLE: Our Cash Loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 3 months has fees and charges totalling $320 (1 x $200 + 3 x $40), resulting in a total repayment of $1,320. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to Cash Loans.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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Frequently Asked Questions
What are fast cash loans?
Fast cash loans can come in handy when you encounter unexpected situations, such as car emergency repairs, moving costs, or other unexpected bills.
Subject to meeting our lending criteria, fast cash loans allow you to borrow a small amount of money and receive it quickly for you to make urgent payments. You will then repay the loan amount, plus any fees, usually in instalments over an agreed fixed term.
Are fast cash loans safe?
Yes, we pride ourselves on offering those in financial need access to regulated credit solutions with extensive consumer protections. Cash Train is committed to our customers' safety and only lends to applicants who can comfortably repay their debt.
Please keep in mind that fast cash loans are not designed to be a long-term financial solution, they are helpful when unexpected expenses arise and you need money quickly. Check out our fast cash loan costs to make sure you understand the total repayable and relevant interest charges.
How much could I borrow?
With a fast Cash Loan, you could borrow up to $2,000 with a maximum loan term of 12 months. With our Personal Loans, you could borrow a higher amount at up to $4,600 with a maximum loan term of 15 months.
Why is Cash Train faster than other lenders?
At Cash Train we're committed to providing a faster loan experience as we understand many of our customers require immediate financial assistance. While other lenders may employ manual loan processes, we can securely take a quick digital snapshot of your account history, without the need for printing and scanning documents.
How long does it take to get approval on a fast cash loan?
Cash Train makes every effort to provide quick cash loans to customers as soon as possible, often on the same day you apply*, but due to some banks’ processing times, you may need to allow 1-2 working days for the funds to become available.
Can I get a quick cash loan if I have a bad credit history?
We understand people’s current circumstances are not always indicative of their credit rating. For this reason, we assess each application on a case-by-case basis and offer loans to customers with poor credit as long as they are eligible and can comfortably meet their repayments.
How do I pay off my loan?
Your loan repayments will be set up over 10 weeks or 3 months, depending on your pay frequency. If you have a weekly pay cycle, you will have 10 weekly repayments, if you are paid fortnightly, you will have 5 fortnightly payments, and if you are paid monthly, you will have 3 monthly payments.
Your loan repayments will be set up automatically via direct debit with the funds digitally transferred to us from your bank account on the agreed repayment dates.
If you think you may run into difficulty, contact our friendly team.