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Cash advance
, explained properly“Cash advance” means different things. With CashnGo it’s a regulated personal loan of $300 to $5,000 — not a wage-access app, a credit-card withdrawal or business finance. Here’s how ours works.
Choose your loan amount
$300
Choose your repayment term
$16.62/week
$33.23/fortnight
4.8/5 8,873 Reviews
4.9/5 6,960 ReviewsThis calculator provides indicative interest rate and repayment estimates across CashnGo's lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations.
- Regulated credit, not an app A CashnGo cash advance is a consumer loan under Australian Credit Licence 431627 — not earned-wage access.
- One clear cost See the establishment fee, any monthly fee and the total before you sign. Pay out early and monthly fees stop.
- A quick decision About five minutes to apply, with an outcome in seconds for most people. Some applications need a closer look.
Cash Advance
Which “cash advance” do you mean?
“Cash advance” gets used for a few different things: a wage-access app that releases pay you’ve already earned, a cash withdrawal on a credit card, business finance against future sales, or a small personal loan. They’re priced and regulated differently.
A CashnGo cash advance is the last one: a regulated personal loan of $300 to $5,000 you repay over a few months. Up to $2,000 is a Small Amount Credit Contract; $2,100 to $5,000 is a Medium Loan. Either way the full cost is shown before you sign.
Sometimes something cheaper fits
If you just need to bridge a few days to payday, a wage-access app or an interest-free Centrelink advance can cost less than any loan. A No Interest Loan (NILS) covers essentials with no interest or fees, and the free National Debt Helpline on 1800 007 007 can talk it through. If a personal loan still suits, you’ll see every fee before you sign.
One term, several very different products
Part of what makes a cash advance confusing is that the same words cover products with different rules. A wage-access or pay-on-demand app releases money you’ve already earned for a flat fee; some sit outside the national credit rules, so the protections can differ. A credit-card cash advance charges a fee and starts interest immediately. A merchant cash advance is business finance repaid from future sales.
A CashnGo cash advance is none of those. It’s a regulated consumer loan: $300 to $2,000 as a Small Amount Credit Contract with fixed fees and no interest, or $2,100 to $5,000 as a Medium Loan with a single establishment fee and a capped rate. It’s assessed for affordability and covered by the National Credit Code.
We’re a direct lender holding Australian Credit Licence 431627 — so you deal with us from the first question to the last repayment, and you can reach the team on 13 13 11.
What a CashnGo cash advance costs
On a Small Loan there’s no interest: a 20% establishment fee plus a 4% monthly fee. Borrow $1,000 over 3 months and you repay $1,320 in total. A Medium Loan of $3,000 over 12 months comes to $4,289, including a $400 establishment fee, at a rate capped at 48% p.a. (comparison rate 65.6597% p.a.).
By law, Small Loan repayments can’t take more than 10% of your net income, and you can pay the balance out early at any time — on a Small Loan the monthly fees stop from the day it’s cleared.
When to use something else
For a genuine few-day bridge to payday, a wage-access app or an interest-free Centrelink advance can be cheaper than any loan. A No Interest Loan (NILS) covers essentials with no interest or fees.
If you find yourself reaching for an advance every cycle, that’s a sign to get free advice from the National Debt Helpline on 1800 007 007 rather than borrow again.
When it’s the right fit
Getting a cash advance, step by step
Once you’ve weighed the cheaper options, the loan itself is quick: choose an amount, share what we need, read the cost, and decide.
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Choose your amount
Pick $300 to $5,000 and a term that keeps the repayment realistic for your budget.
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Apply in five minutes
A short online form, with your bank connected through a secure read-only feed.
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See the full cost
The establishment fee, any monthly fee and the total to repay are shown before you sign.
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Receive the transfer
If approved, sign and we send the funds. Your bank controls when they appear.
Cash advance rates, fees and features
A CashnGo cash advance is priced like our other loans. Compare the Small Loan and Medium Loan columns side by side before you decide.
Small Loans $300 – $2,000 Fee-based, so there is no interest and no APR
Loan term
62 to 180 days, which is roughly 3 to 6 months
Establishment fee
20% of the amount you borrow
Monthly fee
4% of the amount you borrow, every month
Interest rate (APR)*
Does not apply. These loans are fee-based only, so the APR is not applicable
Maximum comparison rate**
Does not apply
What that looks like
Borrow $1,000 over 3 months and you repay $1,320 — your $1,000 back, a $200 establishment fee and $120 in monthly fees
Usually used for
Car repairs, a vet bill, a rent gap or a bill that landed before payday
Medium Loans $2,100 – $5,000 One establishment fee plus a capped interest rate
Loan term
3 to 12 months
Establishment fee
$400, charged once
Monthly fee
None. Interest applies instead
Interest rate (APR)*
Up to 48% p.a.
Maximum comparison rate**
65.6597% p.a.
What that looks like
Borrow $3,000 over 12 months and you repay $4,289 in total, including the $400 establishment fee
Usually used for
Larger one-offs like a used car, a house move or dental work
We're with you
Why choose CashnGo
When you want a real, regulated loan rather than a confusing app or a card withdrawal, it helps to deal with a licensed direct lender that shows the cost first and answers the phone.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackCash advance questions, answered
Plain answers on what a cash advance is, what ours costs, and when something else is cheaper.
It’s a general term that can mean a wage-access app, a credit-card cash withdrawal, business finance, or a small personal loan. A CashnGo cash advance is a regulated personal loan of $300 to $5,000.
Not quite. A CashnGo cash advance up to $2,000 is a Small Amount Credit Contract (what people often call a payday loan); $2,100 to $5,000 is a Medium Loan. A wage-access app releases pay you’ve already earned for a flat fee and is regulated differently.
Small Loans of $2,000 or less have no interest — a 20% establishment fee plus a 4% monthly fee. Borrow $1,000 over 3 months and you repay $1,320 in total.
Medium Loans of $2,100 to $5,000 have a $400 establishment fee and a maximum rate of 48% p.a. (comparison rate 65.6597% p.a.). Every figure that applies to your loan is shown before you sign.
$300 to $5,000, based on your income, your regular commitments and your capacity to repay. First-time customers may be eligible for up to $600 if employed, or up to $300 on Centrelink income.
No. Licensed lenders must check a loan is affordable before approving it, so no honest lender can guarantee approval or offer “no checks”. Most people get an outcome in seconds, but some applications need a closer look.
Once you accept and sign, we send the transfer straight away. When it lands depends on your bank and the time of day — often minutes, sometimes longer outside business hours.
You can apply. We consider your current income and spending rather than a score alone, and we take Centrelink income into account. We still run a credit check and can’t promise an outcome.
Yes, any time at no extra cost. On a Small Loan the monthly fees stop from the day it’s cleared, so paying out early saves you money.
For a short bridge to payday, a wage-access app or an interest-free Centrelink advance can cost less. A No Interest Loan (NILS) covers essentials with no interest or fees, and the free National Debt Helpline on 1800 007 007 offers advice.