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Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
Fast, with the facts upfront…
Instant Cash
honestly explained“Instant cash” describes a fast online journey — not guaranteed approval or a guaranteed arrival time. Most people get an outcome in seconds, and approved funds are sent after the contract is signed.
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.
Instant Cash
What “instant” actually means
No licensed Australian lender can promise instant approval before assessing your application. With CashnGo, the online form takes about five minutes and most people receive an outcome in seconds; some applications need a closer review.
If approved, you will see the loan amount, fees, repayment dates and total before you sign. We send the transfer promptly after acceptance, while your bank controls when it appears.
A quick answer can still be a considered one
Take the time to check that the amount solves the expense and the repayments fit around rent, food, transport and other essentials. Fast should feel clear, not pressured.
Instant cash loans are still assessed loans
In everyday search, “instant cash loan” usually means a small personal loan with a digital application, fast decision and prompt electronic transfer. It does not remove credit or affordability checks.
CashnGo offers Small Loans from $300 to $2,000 and Medium Loans from $2,100 to $5,000. Each has different costs, displayed in the table below and repeated in any offer made to you.
Timing depends on more than the lender
A complete application can be assessed quickly, but manual review, missing information, bank processing and the time of day can all affect the timeline.
That is why we describe the stages separately: application, outcome, contract and transfer. You always decide after seeing the offer.
Applying for Instant Cash
Fast at every stage, clear at every step
The online journey keeps moving while giving you a proper chance to review the cost and repayment schedule before accepting.
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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.
Instant Cash 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
Straight answers beat big promises
We tell you what is realistic rather than what sounds fastest. 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 FeedbackInstant Cash questions, answered
The facts behind common “instant cash” questions.
No. The form and automated assessment can be fast, but every application must be checked. Funding time also depends on when you sign and how your bank processes the transfer.
No. Approval depends on your income, expenses, existing commitments, credit information and ability to repay without hardship.
Most people receive an outcome in seconds after completing the application. Some cases need extra information or manual review and take longer.
The cost is the same as the relevant CashnGo product, with no separate “instant” fee. Small Loans and Medium Loans have different pricing, shown in the rates table on this page.
We send the transfer after the contract is signed, but availability depends on your bank and payment network. Some payments arrive within minutes; others appear later.