Reputable Direct Lender
Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
From your place, at your pace…
Online Loans
sorted from the sofaChoose an amount, apply on your phone and review the offer wherever you feel comfortable. No branch visit — just a secure online loan process with real people available when you need them.
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.
Online Loans
The whole application, wherever you happen to be
An online loan lets you choose an amount, share the information needed for assessment and review your contract without travelling to a branch. The application works on mobile, tablet or computer and is available whenever it suits you.
CashnGo is the lender, not a comparison site. That means your application is assessed by us and, if approved, your loan stays with our team through to the final repayment.
Online convenience, with help on the phone
Digital does not have to mean distant. The form keeps things moving, while our Australian customer care team is available on 13 13 11 if a question comes up.
How online loans work
Start with the calculator, select $300 to $5,000 and a repayment schedule, then complete the secure application. We use a read-only bank connection to verify recent income and expenses, which removes the need to upload piles of statements.
Most applicants receive an outcome in seconds. If we need to check something more closely, the application can take longer and we will let you know what is needed.
Secure from form to funding
Your details are used to assess and manage the application. Before signing, you can review the amount, fees, repayment dates and total amount payable in one place.
If you accept an approved offer, we send the transfer promptly. Your bank controls the final arrival time.
Applying for Online Loans
Apply online without the paperwork pile
Have your contact details and internet banking login handy. The guided application does the rest, with no branch appointment required.
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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.
Online 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 apply online with us
People apply with us online because the cost is clear, the lender is real and the help is easy to reach. No branch, no brokers, no surprises — just a loan that does its job and finishes on time.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackOnline Loans questions, answered
What to expect from a CashnGo application completed online.
Yes. You can choose an amount, apply, securely connect your bank, review an offer and sign online. You do not need to visit a branch.
You will need your personal and contact details, information about your income and expenses, and access to internet banking for the secure read-only bank connection.
CashnGo is a direct lender holding Australian Credit Licence 431627. We assess and manage the loan ourselves rather than passing your application to a panel of lenders.
We use secure systems to handle your information and a read-only bank connection to verify recent transactions. The connection does not let us move money from your account.
The online form is available 24/7. Some applications may need a manual review during business hours, and bank processing times can affect when approved funds arrive.