Reputable Direct Lender
Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
When you've got bigger plans...
Personal loans to make them happen
Whatever you’ve got in mind, a little extra can help you get there. Our online personal loans offer a simple way to borrow for the things that matter, with an easy online application and a fast decision.
- Five minutes to apply No printing, no posting, no appointments. Your phone is the whole branch.
- Seconds to an answer Our checks run the moment you submit, so most people know where they stand straight away.
- Seconds to your account Sign your contract and the transfer goes out. How fast it lands is up to your bank.
Personal Loans
A loan that fits your life, not the other way around
We’re a direct lender. No brokers, no middlemen, no being handed around a phone tree. You deal with CashnGo from your first question to your last repayment.
Borrow between $500 and $5,000, set a repayment schedule that lands with your pay cycle, and see every single fee before you agree to anything. Want to clear it early? Go for it. We don’t charge you for getting ahead.
Personal Loans for what’s next and everything in between
Emergency Loans
When something breaks, floods or falls over and it has to be fixed today.
Car Repair Loans
Get the car off the hoist and back on the road without raiding your savings.
Vet Loans
Because the smallest member of the family doesn’t understand waiting lists.
Medical & Dental Loans
Cover a gap fee, a procedure or a dental bill you didn’t plan for.
Household Bill Loans
Spread a power, water or rates bill that landed at the worst possible time.
Rental Bond Loans
Bond, first month and a removalist all at once. We can help with the timing.
Wedding Loans
Say yes to the venue now and spread the cost over a schedule you choose.
Travel Loans
Book the flights while they’re cheap instead of waiting until they aren’t.
Education Loans
Course fees, textbooks, uniforms and the laptop that has to run it all.
Debt Consolidation
Fold a few small debts into one repayment on one date you can remember.
Furniture & Appliances
Replace the fridge, the washing machine or the couch that finally gave up.
Cosmetic Procedures
Spread the cost of an eligible procedure over a term that suits your budget.
Other ways to borrow with us
Same Day Loans
Apply online in about five minutes. Most people receive an outcome in seconds; some applications need a closer look.
Short Term Loans
Borrow $300 to $5,000 for a one-off cost, with the full cost and finish date shown before you sign.
Cash Advance
A regulated personal loan from $300 to $5,000 — not a wage-access app or credit-card withdrawal.
We could brag. But our customers do it better
See Reviews and FeedbackAward winning
Voted Australia’s best Short Term Lender. Five times.
Five ProductReview.com.au awards in six years — recognition that tells us we’re doing something right for Australians who need cash fast.
We didn’t win them with a marketing budget. We won them by answering the phone, putting every fee on the table before anyone signed, and transferring funds within minutes once approved.
Why CashnGo
Straight answers, straight to your account
We lend our own money, we say what it costs before you commit, and there’s a real person on the other end of the phone when you need one.
How It Works
Personal loan questions, answered
The things people ask us most, without the fine-print voice.
Between $500 and $5,000. Anything up to $2,000 is a Small Loan and runs on fixed fees rather than interest. Anything from $2,100 to $5,000 is a Medium Loan. The amount we can offer you depends on your income, your regular commitments and what you can comfortably repay — we work that out during the assessment, not before it.
Almost anything legal and reasonable. Car repairs, vet bills, dental work, a bond, a wedding, school fees, a replacement fridge, consolidating a couple of small debts. We ask what it’s for because we have to, not to talk you out of it.
The application takes about five minutes and most people get an outcome in seconds. Once you accept and sign your contract, we send the transfer straight away.
How quickly it shows up depends on your bank. Many customers see it within minutes; some banks take longer, especially outside business hours.
For Small Loans of $2,000 or less there’s no interest and no APR. You pay a 20% establishment fee on the amount borrowed plus a 4% monthly fee, over a term of 62 to 180 days. Borrow $1,000 over 3 months and you repay $1,320 in total — $1,000 principal, a $200 establishment fee and $120 in monthly fees.
For Medium Loans between $2,100 and $5,000 over 3 to 12 months, the maximum annual percentage rate is 48% (comparison rate 65.6597% p.a.) and there is a $400 establishment fee. A $3,000 loan over one year would come to $4,289 in total.
Every figure that applies to your loan is shown to you before you sign anything.
Often, yes. A patchy credit file isn’t an automatic no here. We look at your current situation — your income, your recent banking history and whether the repayments genuinely fit your budget. We do run a credit check, and we can’t promise an approval, but plenty of our customers came to us after being knocked back somewhere else.
No. Our personal loans are unsecured, so we don’t take your car, your home or anything else as security. What matters to us is that the repayments fit your budget.
Yes, and we won’t charge you for it. Clear the balance whenever you like and you stop paying the monthly fees from that point on. No exit fee, no penalty for being organised.
You need to be at least 18, an Australian citizen or permanent resident, and receiving a regular income. Have your mobile, your email address and your internet banking login handy — we use a secure read-only connection to view your bank statements so you don’t have to dig up PDFs.
Applying leaves a credit enquiry on your file, the same as it would with any lender, and that can nudge your score in the short term. The bigger factor is what happens next: making your repayments on time is recorded too, and that works in your favour.