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Short term loans
that wrap up fastA short term loan is for a one-off cost you can clear in a few months, not an ongoing gap. Borrow $300 to $5,000, see the full cost first, and pick a term that keeps each repayment realistic.
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.
- A term you choose Pick 3 to 6 months on a Small Loan, or up to 12 on a Medium Loan. A shorter term costs less overall.
- A licensed direct lender You borrow straight from CashnGo — no brokers or lead sellers in between. Australian Credit Licence 431627.
- Quick, then done About five minutes to apply, an outcome in seconds for most people, and a clear finish date from the start.
Short Term Loans
What a short term loan is for
A short term loan is money for a one-off cost you can clear in a few months — a car repair, a rego bill, a replacement appliance — not a top-up for an ongoing shortfall. You borrow, you repay on a set schedule, and it finishes.
With CashnGo that means $300 to $2,000 on a Small Amount Credit Contract over 62 to 180 days, or a Medium Loan of $2,100 to $5,000 over 3 to 12 months. You’ll see the full cost and the finish date before you agree to anything.
Shorter term, smaller total
The length of a short term loan drives its cost. On a Small Loan the 4% monthly fee applies for every month you take, so clearing it in three months costs less than stretching it to six. Use the calculator at the top to compare terms, then pick the shortest one whose repayment still fits your budget.
Short term loans for a short term problem
The best short term loans have a clear end. Something needed fixing or replacing, you covered it, and a few pay cycles later it’s done. That’s different from borrowing to get through every month — if the same gap keeps returning, another repayment usually makes it harder, not easier.
CashnGo Small Loans run from $300 to $2,000 over 62 to 180 days with fixed fees and no interest. Medium Loans run from $2,100 to $5,000 over 3 to 12 months with a single establishment fee and a capped rate. Both are unsecured, and by law your Small Loan repayments can’t take more than 10% of your net income.
We’re a direct lender holding Australian Credit Licence 431627 — so there’s no broker in the middle, and the team that assesses you is the one you reach on 13 13 11.
What it costs, in real dollars
Because a Small Loan charges fees instead of interest, the cost is easy to see. 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 a Medium Loan, a $3,000 loan over 12 months comes to $4,289 in total, including the $400 establishment fee, at a rate capped at 48% p.a. (comparison rate 65.6597% p.a.).
When a short term loan isn’t right
If you’d be borrowing to cover another debt, or the shortfall comes back every payday, pause before applying. A bill provider may offer a payment plan, and a Centrelink advance or a No Interest Loan (NILS) can be far cheaper.
Free, confidential help is available from the National Debt Helpline on 1800 007 007. Approval is never guaranteed — we assess every application against your real income and spending before we lend.
Need it sorted this week?
Apply now, know the finish date
Choose an amount and a term, connect your bank securely, and see the full repayment schedule — including when the loan ends — before you confirm.
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Pick amount and term
Choose $300 to $5,000 and the shortest term whose repayment still fits your budget.
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Apply in five minutes
A short form on your phone, with your bank connected through a secure read-only feed.
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See the full cost
Every fee, the total to repay and the finish date are on screen before you sign.
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Get your funds
If approved, sign your contract and we send the transfer. Your bank sets when it lands.
Short term loan rates, fees and features
The term drives the cost, so here’s what a Small Loan and a Medium Loan each cost, side by side. Pick the shortest term whose repayment still fits your budget.
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
Why Choose CashnGo
A short term loan that keeps life moving
From getting the car back on the road to making the most of a weekend, a CashnGo short term loan of $300 to $5,000 can help keep your plans moving. Apply online, see every cost before you sign and choose repayments around your pay cycle.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackShort term loan questions, answered
The things people ask us most — without the fine-print voice.
It’s a loan for a one-off cost you can repay over a few months. With CashnGo that’s $300 to $2,000 on a Small Amount Credit Contract over 62 to 180 days, or $2,100 to $5,000 on a Medium Loan over 3 to 12 months. Both are unsecured personal loans.
A payday loan is one type of short term loan — specifically a Small Amount Credit Contract of up to $2,000. “Short term loan” is the broader term and also covers our Medium Loans up to $5,000. Very short contracts of 15 days or less are prohibited in Australia.
Small Loans of $2,000 or less have no interest — a 20% establishment fee plus a 4% monthly fee. Borrow $1,000 over 3 months and you repay $1,320 in total.
Medium Loans of $2,100 to $5,000 have a $400 establishment fee and a maximum rate of 48% p.a. (comparison rate 65.6597% p.a.). Every figure that applies to your loan is shown before you sign.
On a Small Loan, yes. The 4% monthly fee applies for each month of the loan, so a shorter term costs less overall. Clearing $1,000 over 3 months costs less in fees than taking it over 6.
$300 to $5,000, depending on your income, your regular commitments and what you can comfortably repay. First-time customers may be eligible for up to $600 if employed, or up to $300 on Centrelink income. You’ll need to finish an existing CashnGo loan before taking another.
About five minutes to apply, and most people get an outcome in seconds. Some applications need a closer look, which can take up to a business day. Once you accept and sign, we send the transfer straight away; your bank decides when it lands.
Yes, at any time and at no extra cost. On a Small Loan the monthly fees stop from the day it’s paid out, so clearing it early saves you money.
Call us on 13 13 11 before the due date and we’ll look at other arrangements. A missed direct debit can attract a dishonour fee from us and from your bank. Free, confidential help is available from the National Debt Helpline on 1800 007 007.
Often. A Centrelink advance is interest-free if you’re eligible, a No Interest Loan (NILS) covers essentials with no interest or fees, and a bill provider may offer a payment plan. It’s worth checking these first.