Rating based on 13 reviews

Cash Direct

  • Short-term loans up to $2,000
  • Low-interest starting from 48%
  • Repayment up to 6 months

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Cash Direct homepage
Author Cash Direct. Screenshot of Cash Direct website.
[Accessed May 2, 2023]

Cash Direct - Hassle-free short-term loans

Cash Direct was established in 2008 and guarantees hassle-free short-term loans when you need it most.  Their credit license is with ASIC a member of the credit Ombudsman service.

When you need cash in a hurry Cash Direct is there to assist you. Their little loans are fast and they aim to have the funds transferred directly to you the very next business day. Their payment terms are easy to manage and are deducted straight from your bank account to ensure that you never miss a payment. Once you have been approved for your first loan and have shown that you are a reliable client they will be able to help you with more cash when you need it most.

Loans that you can afford

They know that each of their clients is different and custom made each of their personal loans to suit your individual needs and requirements.  As a responsible lender, they make sure that you will be able to afford the loan that you are applying for and that you will be able to easily pay back the money. 

They will give you a second chance

If you have a bad credit score they might be able to help you to rectify the problem. They might be able to assist you with a bad credit loan even if you are unemployed, have a bad credit record or if you’re a pensioner.  To get you the best deal possible, they will try to find you the loan with the lowest interest rate.  As your credit score improves, they will be able to lend you more money over a longer period of time.

Loan amount up to $2,000

It has become increasingly difficult to obtain loans that have a low-interest rate and can be paid back easily. At Cash Direct they have the solution for you.

Their service grants you access to quick loans that you may not have had access through traditional banking services. By teaching you how to borrow money in a responsible manner, they save you money and coach you to get you the most out of your money.

They can help you

Their motto is “We Help” and that’s just what they plan to do. If you are in a tricky financial situation and you need a helping hand to get out of it contact them and they will do their best to assist you.

They treat all their customers with dignity and respect and aim to get you the loan you need when you need it most.

Short-term cash loans

Their short-term loan solutions offer you the opportunity to borrow a small amount of between $600 to as much as $2,000 this amount must be paid back over 6 months. This is to ensure that you will easily be able to stick to the repayment terms and give you a hand up.

To be eligible for this type of loan you do not need to be permanently employed as long as you are able to prove that you will be able to pay back the loan, this makes their loans assessable to Centrelink and pensioner recipients.

Cash Direct – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 1 month to 6 months

Benefits of Cash Direct

  • Easy to apply online
  • Flexible loan amounts
  • Affordable short-term loans

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Cash Direct – Fast cash in cash of financial emergencies

Short-term loans are great for when you need a little bit of extra cash for an emergency, but these types of loans can become very expensive and you should think carefully before applying for a loan and make sure that you know all the options that are available to you.

Remember, there are options other than loans such as:

  • To get help with managing your bills and your debt call 0800 007 007 from anywhere in Australia to talk to a financial counsellor for free.
  • Arrange with your electricity, gas, phone or water provider to work out a payment plan that you will be able to manage.
  • If you receive government benefits you could qualify for an advance from Centrelink phone 13 17 94.
  • Visit MoneySmart the government’s website to get more information on how short-term loan work and give you other options that may assist you.

How do you qualify?  

To find out if you qualify for one of their loans you will need to provide them with your personal details and consent to a credit check, this will help them determine your individual needs and develop a solution to suit you.

Supporting documents

Together with your online loan application, you will need to provide the following supporting documentation.

  • A form of a photo ID (Passport or Driver’s License
  • 2 pay slips or a Centrelink statement
  • Your Medicare Care
  • Your last 3 months bank statements

How to apply

To apply for a loan is very simple, log onto their website and fill in the online application form.  They will need your personal details and you will need to consent to a credit check.  Next answer the following questions:

  • How much money you would like to borrow
  • The loan term – how long you need to pay back the loan
  • Repayment frequency – example weekly, monthly etc
  • How many repayments
  • How much you would like to repay (the amount per instalment)
  • And the total loan repayments amount

Cash advance loan

When you need money fast they can assist you with an emergency loan. This type of loan allows you to borrow up to $1,000 this is a short-term loan that needs to be paid back within 45 days. For this type of loan, you need to be employed and demonstrate that you will be able to pay back the loan.  This type of loan is perfect for when you have an unexpected expense and need quick cash in a hurry. These types of loans can be more expensive because they are easy to obtain and easy to pay back.

Personal cash loans

A personal loan is a bigger loan for as much as $20,000 that can be used for mortgage payments or to consolidate your debt into one easy to manage loan amount. These types of loans offer the lowest interest rate and can be paid back over a longer period of time.

Customer Reviews & Testimonials

As a younger person, I made numerous debts for myself I thought no lender would offer me a loan. Thank you Cash Direct for trusting me.

Leo T
— Port Pirie —

I needed cash urgently. The emergency loan rescued when I had no one to turn you.

Hunter H
— Whyalla —

Cash Direct is very concern about their customers. They ensured that they put me on the loop with regards to my loan and payments.

Harry P
— Gawler —

Cash Direct Contact

Physical Address

Postal Address

  • PO Box 4, Nedlands, Western Australia, 6009, Australia

Opening Hours

  • not available