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Online Loans with Cash Train

We are conscious that world events are causing stress within the community and for many of our customers. We are grateful that we can continue to provide Financial Solutions and Emergency Cash to you when needed. We welcome you to call us, apply online or visit your local Branch as you normally would.

Cash Train Online Loans

Apply in Minutes

Why apply for a Cash Train Online Loans?

Fast Approval

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Apply today and you can get your funds within a few hours! The faster we receive the information we need to make our lending decision from you, the faster you will get your loan

Easy Application

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Apply for a loan between $200 and $10,000 online today. Our application form only takes minutes as we aim to make the whole online loan process hassle free.

Trusted Lender

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Cash Train is a trading name of one of Australia's leading cash lenders. As a responsible lender, you'll be dealing directly with us, not some third party. We are also available to help out and to take your calls.

What is an Online Loan?

An online loan is where you borrow a specific amount of money to pay for something you need cash for, such as paying vet fees, going on vacation, or purchasing furniture. You then repay the debt back with interest in equal repayments over an agreed fixed term, usually over a couple of years.

Our Cash Train online loans are unsecured, which means they do not require any collateral or security. It also means that you can get a loan on bad credit or on Centrelink payments!

Should I get an Online Loan?

A Cash Train Online Loan can help in many situations including:

  • Purchasing new electronics
  • Paying emergency bills
  • Purchasing office equipment
  • Going on vacation

Fast Cash Loan Term Definitions & Features

Comparison RateCan be thought of as the overall cost of a loan – based on several factors including interest rate and fees
Interest RateA rate of interest that is charged to the borrower, usually an annual percentage of the loan outstanding
Application FeeA fee that is charged when you apply for a loan
Other FeesAny additional fees that may be associated with a loan application
Extra RepaymentsExtra repayments are made after the establishment of the loan. Extra repayments could help you reduce the amount of fees and repayment term.
Loan UseConditions for use of loan – some loans can only be used for specific things such as the purchase of a car or home renovations.
Loan TermThe length of the loan. Generally shorter loan terms have lower fees rates and longer loan terms mean lower repayments and higher fees rates.

Paying Off Your Online Loans?

A Cash Train Online Loans can help in many situations:

Check out our online loans costs to make sure you understand what you will have to repay. We believe in being up-front with all the costs and have no hidden charges or fees for you to worry about.

Repaying your online loans is done automatically in the background on the agreed repayment dates. The funds will be digitally transferred to us from your account by its direct debit facility.

If you think you may run into difficulty and your situation changes so that you are unable to make the repayment, give us a call as it is may be possible to reschedule your repayment. See loan costs for further details.

Existing Customers

Existing Customers can benefit from a faster borrowing process and as your trust rating improves, it may even be possible to borrow more money with any subsequent loan - as long as you meet loan payments and repay your loan in full, on time and can afford the higher amount.

* If you are borrowing with us again and you have taken out any other small amount credit contracts in the last 90 days or it has been over 90 days since we viewed your documents, it is a legal requirement for all lenders to assess your application and view 90 days worth of bank statements.

Cash Train Online Loans Rates, Fees & Limits

Establishment Fee 20%
Monthly Fee4%
Early Repayment Fee$0
Minimum Loan Amount$200
Maximum Loan Amount$2,000
Minimum Loan Term10 weeks or 3 months, depending on your payment frequency.
Maximum Loan Term12 months

Online Loans With Cash Train

Cash Train is the trusted lender of choice committed to transforming the consumer lending industry in Australia.

With a proud history of giving people a go over the last 20 years, our 40+ branch network across Australia is proud to be part of the communities it serves.

Our branches are located in retail precincts all around Australia providing a face to face experience which, together with our innovative online product offerings, give customers convenient access to products and services whatever their circumstances.

Cash Train is an industry leader committed to closing the gap in the market for consumers who are either excluded from, or who simply choose not to obtain credit from mainstream financiers and allowing consumers who are in financial need access regulated credit solutions with extensive consumer protections.

We are our customers and believe in providing Efficient, Innovative, Flexible and Understanding financial solutions to suit everyone’s needs.

"Giving People A Go"

Online Loans FAQ

Are online loans safe?drop down arrow expanded

Yes! All we need is proof of ID, proof of income and a 90-day bank statement. Check out our Example Loan Costs Calculator to estimate how much you would need to repay.

    What are online instalment loans?drop down arrow expanded

    Online instalment loans are personal loans with a set number of scheduled payments over a set period. We offer fast easy instalment loans from $200 to $10,000, and you can apply from the comfort of your living room!

      Our personal loans at Cash Train are for borrowing amounts from $2,001 up to $10,000 whereas our fast cash loans are for amounts ranging from $200 to $2000.

      What are the best online loans for bad credit?drop down arrow expanded

      At Cash Train, our online loans are quick and easy. You can apply on bad credit and we look at each application on a case by case basis. You could get funds in your bank account on the same day!

        Are online payday loans safe?drop down arrow expanded

        Yes! All we need is proof of ID, proof of income and a 90-day bank statement.

          Example Loan Costs

          • 3 Months

            Fast Cash

          • 6 Months

            Fast Cash

          • 12 Months

            Fast Cash

          • 20 Months

            Personal Loan

          • 24 Months

            Personal Loan