Reputable Direct Lender
Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
The people behind the money…
About us, and who you’re actually dealing with
We’re an Australian direct lender. The team that assesses your application is the same team that answers the phone — and every cost is on the table well before you sign anything.
- A licensed direct lender Australian Credit Licence 431627. No brokers in between.
- Built to be quick About five minutes to apply. Most people hear back in seconds.
- Costs on the table Every fee shown up front, and nothing to pay for clearing it early.
- Real people Customer Care on 13 13 11, Monday to Saturday.
About Us
An online lender doing things a bit differently.
Most lenders in this corner of the market are built around their own margins. We started from the other end — with the technology — so that borrowing a few hundred dollars doesn’t have to mean a shopfront, a stack of printed payslips and a week of waiting for someone to get back to you.
That’s the whole idea. Everything else we do follows from it.
- Our purpose: to make small-dollar credit quick to get, plain to understand and fair to pay back.
- Our promise: you’ll see every fee before you sign, and you’ll never pay us extra for clearing your loan early.
Customers always come first
Different. In a good way.
We’re not a shopfront lender with a website bolted on the side. There are no branches to pay for, which means what we do spend goes into the part you actually touch — the five-minute application, the secure read-only bank connection, and an assessment that runs while you’re still holding your phone.
It also means we’re the same company the whole way through. You apply with us, we assess it, we lend our own money, and we’re the ones who pick up on 13 13 11 when something changes halfway through your loan. No broker, no referral, no being handed around a phone tree.
And we’d rather be straight with you than merely fast. Approval is never automatic. We check that the repayments genuinely fit your budget before we lend, because a small loan should clear a problem rather than start a new one.
We’re here to help
Doing the right thing, always.
Lending money to someone who can’t afford to pay it back isn’t good business. It’s just a slower problem. So every application is assessed against your real income and your real expenses, and we say no when the numbers don’t work — including the times when saying yes would have been easier for us.
It’s also why we don’t play pre-approval games. We can’t tell you the answer before we’ve looked properly, applying leaves an enquiry on your credit file the same as it would anywhere else, and if the answer is no we’ll tell you why rather than leaving you guessing.
Our lending charter sets out what we hold ourselves to. Our credit guide sets out what you’re entitled to. Both are on this site in full, not summarised.
Our core values
Who we are, and how we act
When it comes to value, we don’t hold back. In fact, we can’t help it – it’s simply how we’re built, and what we love doing. We get a kick out of serving our customers – and making their lives better every step of the way.
Honesty & Integrity
Although we are competitive — we play fair, we play hard and we play to win. More than anything, we will always do what’s right for our people and our customers through honesty, fairness and accountability, and while doing this always remaining humble.
Collaboration
We’ve come a long way from two brothers working in the back of a garage. And even though we’ve grown into something bigger, how we work is still the same – bouncing ideas around, respecting and listening to each other and paving the way to make CashnGo Australia better, as a fun loving and wonderfully weird team with an ‘Ohana’ culture.
Own It!
When we say we’re on it, we’re on it. We are accountable to deliver on what we commit to. Service is our passion. Our bread and butter. So we’ll always go the extra mile – whether we’re talking to customers, partners, investors or other start-ups. We don’t just leave people feeling like we’ve done a good job – we leave them feeling inspired and knowing they’re in safe hands.
Innovation
We’re bright and curious, agile, bold and courageous, we’re tech-heads and thought-leaders. We’re goers against the grain. Our success comes from pushing the envelope, brushing up on our skills in search for a better solution, then topping it. We find new ways to inspire our customers – and each other, of course.
Our DNA is ‘Make it Happen’
We’re people of action. And we personally care about getting the job done. So when we deliver, we really deliver. No ego (just the go).
Our Story
13 Years. 2 Entrepreneurial Founders. 1 Great Beginning.
It’s been an epic rollercoaster ride. From 2 founders with laptops in a garage, later a dark and dingy 1-room industrial office, and now a talented, dedicated and passionate team of over 20. It started with a big idea and the drive to ‘make it happen’.
CashnGo Australia started in a garage in early 2013. Our founders were dissatisfied with applying for a personal loan — shop-front or online — and knew technology should make it easier. They built a way to apply in about five minutes without posting paperwork, get a decision quickly, and have funds sent after you sign. Technology enabled it; real service and great people made it work.
13 years on, our platform and our team of 20+ still weave emerging technology with good old fashioned service. The company has grown, and this is just the beginning. With our people, our technology and our business partners behind us, we are determined to make life easier for customers Australia wide.
Awards
Voted Australia’s best short term lender. Five times.
Five ProductReview.com.au awards in six years. We didn’t win them with a marketing budget.
We won them by answering the phone, putting every fee in front of people before they signed, and transferring funds within minutes once approved.
The company behind it
Who you’re actually dealing with.
CashnGo is a licensed Australian direct lender, holder of Australian Credit Licence 431627.
We’re a member of the Australian Financial Complaints Authority under membership number 44281, so if we can’t sort something out between us there’s an independent umpire who can. Our own complaints team looks at it first, and we aim to have an answer back to you inside seven days.
Customer Care is on 13 13 11 from 9am–8pm Monday to Friday and 9am–5pm Saturday, or customercare@cashngo.com.au if you’d rather write. Applications you can start whenever it suits.
Looking for something specific?
Responsible Lending
What we hold ourselves to before we lend you a cent.
Feedback & Complaints
Tell us when we get it wrong. It’s how the next one gets better.
Financial Hardship
Things changed? Talk to us early and we’ll work something out.
Contact Us
Real people on 13 13 11, or email and live chat if you’d rather.
We could brag. But our customers do it better
See Reviews and FeedbackBefore you apply
Know what it costs before you commit.
Our rates and fees sit on one page, in full, with a worked example for each loan size. Nothing hides behind an asterisk, and nothing turns up later that wasn’t on the screen when you signed.
Not sure which size suits you, or whether now is the right time to apply at all? Call us on 13 13 11 first and we’ll talk it through with you before anything goes on your credit file.
We’re with you
Why people keep choosing us.
Five awards in six years tell us we’re doing something right. These are the four things we keep focused on for every customer.
See How It Works