Reputable Direct Lender
Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
Four steps, no paperwork…
How to get a loan with CashnGo
Online, straightforward and quick — the way borrowing should be. Here’s exactly what happens between starting your application and the money landing in your account.
- Step 1: Apply online About five minutes on your phone. Nothing to print or post.
- Step 2: Accept your offer Approved? Sign it off with a code we text you.
- Step 3: Get your cash The transfer goes out the moment your contract is signed.
- Step 4: Real support A genuine Australian team, for the life of your loan.
Step 1: Apply Online
About five minutes, start to finish.
Our online application takes most people around five minutes. You tell us who you are, what you earn and what your regular costs look like, then connect your bank so we can check the numbers stack up.
That connection is secure and read-only, which means no hunting through emails for statements and no trips to the printer. A handful of short screens on your phone and you’re done.
Step 2: Accept Your Offer
Nothing to print, post or fax.
Because the whole thing runs online, there are no hard copies to chase down. If we can approve you, your contract comes through on screen along with a unique code by SMS — type the code in and that’s your signature done.
Before you enter it you’ll see the amount, the term, every repayment date and every fee that applies to your loan. Nothing appears later that wasn’t on that screen, and there’s never a charge for paying the loan out early.
Step 3: Get Your Cash
Money on its way in seconds.
The moment your contract is signed, we send the transfer. For plenty of our customers the money is sitting in their account within seconds of being approved, day or night.
If it takes a little longer to appear, that’s your bank doing the thinking rather than us — transfer times vary between banks and can stretch out over weekends and public holidays.
Step 4: Real Support
A real person, for the whole loan.
Sometimes you just want to talk to someone. Our Customer Care team is in Australia and answers the phone on 13 13 11, Monday to Friday 9am–8pm and Saturday 9am–5pm — or by email and live chat if that suits you better. Every CashnGo customer gets:
- Real people on the phone, email and live chat
- Free direct debit set-up
- A friendly reminder before each repayment is due
- Repayments scheduled around your pay cycle
- No fee at all for paying your loan out early
What do I need to apply for a loan?
- Identification: your driver licence number or Medicare card number.
- Income history: at least three months of banking, shared through a secure read-only connection during the application.
- Contact details: a mobile number and an email address we can reach you on.
- Bank account: the everyday account you’d like your money paid into.
Have those four ready and you’ll get the quickest possible outcome. You’ll also need to be at least 18 and an Australian citizen or permanent resident. Every now and then we need one extra document — a payslip or a recent bill, say — and if that happens someone from our team will call and tell you exactly what to send.
Looking for something specific?
Loan Costs
See what a loan costs before you apply.
Personal Loans
Borrow $500 to $5,000 for whatever’s come up.
FAQs
Straight answers to what people ask us most.
Bad Credit Loans
A rough patch on your file isn’t an automatic no.
We’re with you
So why CashnGo?
We lend our own money, we put every cost in front of you before you commit, and there’s a real person on the end of the phone. That’s the whole pitch.
About CashnGo
Tips for applying for a loan
A few small things that make an application go more smoothly.
Every application leaves an enquiry on your credit file, and a cluster of them in a short space of time can count against you. Work out which lender actually suits your situation and apply there, rather than applying everywhere at once and hoping one sticks.
If you don’t know how your credit file looks, call us on 13 13 11 before you apply. Our team can walk you through what we look at and whether it’s worth applying now.
A patchy file isn’t an automatic no here. We look at your current income and whether the repayments genuinely fit your budget, and we do run a credit check as part of that.
Give us your real income and your real expenses. Your banking history confirms it all anyway, so rounding the numbers only slows the assessment down. If we can’t approve you right now, we’ll tell you why rather than leaving you guessing.
Your ID, your internet banking login and the account you want the money paid into — the four things listed further up this page. Having them within reach is the difference between a five-minute application and a stop-start one.