Rating based on 29 reviews

Cash Train

  • Short-term loans up to $2,000
  • Low-interest starting from 48%
  • Repayment up to 3 months

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

Cash Train – Fast financial solutions

If you need a quick loan then Cash Train may be the solution that you are looking for. They offer loans to anywhere in Australia by providing loans to help you.

Cash Train can help you through those tough months where your salary just doesn’t quite stretch far enough. They offer loans between $200 and up to $2,000 with very easy to manage repayment terms. They give you the opportunity to space your payments over time in terms of 10 weeks to 3 months depending on the loan amount.

Payday loans

Their payday loans range from $200 to $2000 and need to be paid back by your next payday. 

Money paid directly into your account

If your loan is approved they will deposit the money into your bank account within a few hours. Their online application form only takes a few minutes to fill out and they will give you an outcome very quickly. Provide your personal information and they will send you the conditional short-term loan offer. If you accept the terms then sign the contract and once they have received it, they will deposit your money.

Technology makes their loan process faster

They use the latest technology to verify your details. You will need to send them your bank statement because they know that this is very sensitive information they have partnered with Decision Logic to keep your personal information as safe and possible. The added benefit is that they can also confirm your identity with this technology, making the system very efficient.

Get a loan between $200 and $2,000

Did you run out of money before the end of the month? Or are those shoes only on special for today, is there a medical emergency? Whatever you need the money for they will be able to assist you.

Their emergency loans range between $200 up to $2,000 with a customised repayment schedule. They give you 3 months to pay back the loan so your payments can be smaller and managed more easily.

Do you qualify?

  • You must be 18 years old or older
  • You must have a job with a regular income
  • You need to be an Australian citizen
  • You will need to have a bank account where the short-term loan can be paid into
  • You must be able to afford the repayment terms

Get your loan in 4 easy steps

  1. Apply online and qualify for the loan
  2. They will send you a short-term loan offer
  3. Sign the deal online to save time
  4. Get your cash paid directly into your bank account

Fees & charges 

You will need to pay an establishment fee, which is 20% of the loan amount that you have borrowed, you will then need to pay plus 4% monthly fee over 10 weeks or 3 months depending on your payment schedule.

Cash Train – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 48110.38% p/a
  • Loan Amount up to $2,000
  • Repayment 10 weeks to 3 months

Benefits of Cash Train

  • Quick and easy loan applications
  • Get approved fast
  • Low interest rates

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 Train – They are reliable and transparent

To make life even less complicated for you and keep their process paperless their innovative technology allows you to sign the contract online saving you time and helping the environment as you don’t need to print the contract to sign it.

The short-term loan offer will become a binding contract as soon as the money is transferred into your bank account. Use the Decision Logic link to send them your personal supporting documents including your 90-day bank statement securely.

No hidden fees or charges

They don’t want to trick you into signing a deal that you don’t understand so they aim to make their contracts very simple to understand and they do not hide any fees or charges. They will help you understand the contract before you sign it.

The benefits of a Cash Train loan

The main difference between cash train loans and payday loans is that a payday loan needs to be paid back in full by your next payday while Cash Train loan allows you to space your repayments. Choose to repay your loan over 10 weeks if you are paid on a weekly basis, 5 weeks if you are paid fortnightly or 3 months if you are paid monthly this puts a less financial strain on you than repaying a lump sum in one month.

Some clients have previously fallen into a debt trap by needing to pay back their payday loan plus interest, forcing them to take another loan to pay back the previous loan and make it through the month.

If you can’t make a repayment

If you are struggling to make repayments on your loan, please contact them so that they can assist you in setting up a payment plan that best suits your needs. They understand and want to help you, if you don’t contact them then they may be forced to charge you penalty fees and hand over your account to a collection agency if necessary.

Added benefits for existing clients

If you are an existing client you will benefit by being able to borrow money even faster and each time that you pay your personal loan on time, you will improve your score on their trust rating which will allow you to borrow more money. 

Every time that you take out a new loan with them you will need to by law supply them with your 90-day bank statement. They will have your other details on file so the approval process will be even quicker.

Self-employed workers

At the moment they are unable to assist self-employed workers or any person that lives outside of Australia. They are also unable to assist you if your only income comes from government benefits.

Credit history

If your credit report reflects that you have made inconstant payments to your bills or loans in the past, they may still be able to assist you with a Cash Train bad credit loan. They base each case on its individual requirements and will try their best to assist you where possible.

Customer Reviews & Testimonials

Some lenders will offer an online application and ask the customer to come to the branch to sign. But I did not experience such with Cash Train. I did everything online. Thank you for saving my t...

Jake G
— Loxton —

I was not paid on time at work due to the strike that was taking place. I needed cash for a month and payday loans helped me to survive for a month.

Kai T
— Leigh Creek —

I went to my favourite clothing store and they had my favourite coat on promotion. I had no cash and I applied for the emergency loan in the evening and got the money on the NEXT day to buy my co...

Nathan C
— Richmond —

Cash Train Contact

Physical Address

Postal Address

  • Cash Train, 4/25 Prowse Street, West Perth, WA, 6005, Australia

Opening Hours

  • Monday 07:00 – 19:00
  • Tuesday 07:00 – 19:00
  • Wednesday 07:00 – 19:00
  • Thursday 07:00 – 19:00
  • Friday 07:00 – 19:00
  • Saturday – Closed
  • Sunday – Closed