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Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
When the budget gets bumped…
Cash Loans
for life's curveballsCar trouble, a vet visit or a bill with terrible timing? Cash loans from $300 to $5,000 can help cover a one-off expense, with the costs and repayments clear before you commit.
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.
- Quick, not rushed Apply online in about five minutes. Most people receive an outcome in seconds; some applications need a closer look.
- A licensed direct lender You deal with CashnGo from application to final repayment — no broker or lead-selling middleman.
- Know the cost first Your fees, repayment schedule and total are shown before you decide whether to sign.
Cash Loans
A practical way to cover an unexpected cost
Cash loans are unsecured personal loans for everyday expenses. You might use one to get the car back on the road, replace an essential appliance or manage a bill that arrived before payday.
CashnGo offers Small Loans from $300 to $2,000 and Medium Loans from $2,100 to $5,000. Choose an amount that fits the job, check the repayment estimate and see every cost before you sign.
Keep the surprise from taking over the month
The aim is simple: deal with the expense and get back to normal. Apply from home, choose repayments around your pay cycle and borrow only what the moment needs.
What is a cash loan in Australia?
A cash loan is a personal loan paid into your bank account for an eligible personal expense. Up to $2,000, it is generally a Small Amount Credit Contract with fixed establishment and monthly fees. From $2,100 to $5,000, CashnGo offers a Medium Loan with a different fee and interest structure.
Both options are assessed against your current income, expenses and ability to repay. A past credit problem does not automatically decide the result, but approval is never guaranteed.
Cash that fits a real purpose
The strongest reason to borrow is a clear, one-off need: transport, health, home essentials, moving costs or another expense you can name and budget for.
If the gap is ongoing rather than temporary, another loan may not fix it. Free help is available from the National Debt Helpline on 1800 007 007.
Applying for Cash Loans
From expense to answer in four clear steps
Choose the smallest amount that solves the problem, complete the secure online form and review the full offer before deciding.
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Quick & easy application
Apply online in around five minutes. We’ve kept the questions simple and the unnecessary paperwork out of the way.
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Safe & secure
Your information is handled securely and confidentially, so you can apply with confidence from wherever you are.
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A quick decision
Our smart technology assesses your application quickly, so you can get an outcome in seconds where possible.
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Fast funds
Once approved, we’ll transfer your funds within seconds. Depending on your bank, it may take a little longer to arrive.
Cash Loans rates, fees and features
Compare our Small Loan and Medium Loan side by side. The amount, term and full cost offered to you will be shown before you sign.
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 people bring us the unexpected bill
Costs on the table before you sign, and an Australian team you can actually call. CashnGo has received five ProductReview.com.au awards in six years.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackCash Loans questions, answered
Short answers to the questions people ask before applying for a cash loan.
CashnGo loans range from $300 to $5,000. What we can offer depends on your income, regular expenses, existing commitments and capacity to repay.
Cash loans can cover most legal personal expenses, including car repairs, vet or dental bills, moving costs and essential household purchases. Borrowing for an ongoing budget shortfall may not be suitable.
Yes, you can apply. We run a credit check, but also look at your current income, spending and ability to repay. A previous credit issue is not an automatic approval or decline.
The application takes about five minutes and most people receive an outcome in seconds. Some applications need extra information or a manual review and can take longer.
Once you accept and sign the contract, we send the transfer straight away. The time it takes to appear depends on your bank and can be longer outside normal banking hours.