You're heading to the official Cash Stop Pawnbroking store on eBay.
Apply for a loan online with Cash Stop in just minutes. Get a fast decision and, once approved, have your money sent straight to your bank account - usually within 30 minutes via NPP.** A past credit problem or Centrelink income doesn't automatically rule you out.¹
**Usually within 30 minutes via NPP instant transfers.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
Rated 4.5 - based on 337 Google reviews across our branches
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Borrow from $200 to $8,000 online, with a small loan or a personal loan.¹
Share your bank statements through a secure, read-only connection. No printing, scanning or posting.
Once you're approved¹ and sign your contract, funds usually land within 30 minutes via NPP.**
Licensed, Australian and lending since 2000
Applying for a loan online shouldn't mean dealing with a faceless app. Cash Stop has been lending to Australians since 2000, and our own lending team looks after our online applications. If we need to check something, a real person will be in touch.
Two loan types, one simple start. Choose Get Started and pick the loan that fits: a small loan from $200 to $2,000, or a personal loan from $2,100 to $8,000.¹ Then continue your application from there. You'll see the full cost before you sign.
Licensed and accountable. Cash Stop Financial Services Pty Ltd holds Australian Credit Licence 389 433 and is a member of the Australian Financial Complaints Authority (AFCA member 45392). Every loan is assessed under Australia's responsible lending laws, so we only lend what we believe you can repay without hardship. See how it works.
Most people finish our online application in a few minutes. Having these ready makes it even quicker:
Why we ask for bank statements. The law requires us to check your income and expenses before we lend. Our secure, read-only connection lets you share statements in seconds instead of uploading files. It lets us view your transactions, but nobody can move money or make changes to your account.
Loan scams often target people who need money in a hurry. Before you apply with any online lender, including us, take two minutes to check:
Prefer to apply in person? The same loans are available over the counter at our branches,¹ and our team can help you with your application. Find out about loans in store.
From application to cash in five simple steps
To apply you'll need to be at least 18, an Australian citizen or permanent resident, and receiving a regular income - including Centrelink payments. Have your phone, ID and bank details handy and you're ready to go.
Tell us how much you'd like to borrow and a few details about yourself. For most users, the form takes just a few minutes to complete from any device - there's no paperwork to print, sign or scan.
Securely share your bank statements online in seconds using our trusted, bank-grade verification partner. It's safe, read-only and saves you digging through paperwork - so we can assess your application faster.
We assess your application quickly and fairly. We check that the loan is suitable for you, meaning it meets your needs and objectives, and that you can afford the repayments on your current income without hardship. In most cases we can give you a decision the same day you apply.
Once you accept your contract, we transfer the funds straight to your bank account - usually within 30 minutes via NPP instant transfer.** Then it's yours to use for whatever you need.
**Usually within 30 minutes via NPP instant transfers.
See what a loan could cost you, with no hidden fees
| Borrow | Costs | Repay |
|---|---|---|
| $500 | $160 | $660 |
| $1,000 | $320 | $1,320 |
| $1,500 | $480 | $1,980 |
| $2,000 | $640 | $2,640 |
| Borrow | Costs | Repay |
|---|---|---|
| $500 | $220 | $720 |
| $1,000 | $440 | $1,440 |
| $1,500 | $660 | $2,160 |
| $2,000 | $880 | $2,880 |
| Borrow | Costs | Repay |
|---|---|---|
| $2,100 | $1,345 | $3,445 |
| $2,200 | $1,390 | $3,590 |
| $2,500 | $1,525 | $4,025 |
| $2,999 | $1,749 | $4,748 |
| Borrow | Costs | Repay |
|---|---|---|
| $3,000 | $1,750 | $4,750 |
| $3,500 | $1,975 | $5,475 |
| $4,000 | $2,200 | $6,200 |
| $4,600 | $2,470 | $7,070 |
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,650 | $7,650 |
| $6,000 | $3,100 | $9,100 |
| $7,000 | $3,550 | $10,550 |
| $7,500 | $3,775 | $11,275 |
EXAMPLE: Our cash loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 3 months has fees and charges totalling $320 (1 x $200 + 3 x $40), resulting in a total repayment of $1,320. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to cash loans.
EXAMPLE: Our cash loans incur a 20% Establishment Fee and a 4% monthly fee, based on the amount borrowed. For example, a small loan of $1,000 over 6 months has fees and charges totalling $440 (1 x $200 + 6 x $40), resulting in a total repayment of $1,440. The minimum loan term is 2 months and a maximum of 12 months. An APR (Annual Percentage Rate) does not apply to cash loans.
EXAMPLE: A Personal loan of $2,500 for 13 months has fees and charges totalling $1,525. The Minimum loan term is 12 months and the Maximum loan term is 13 months. Maximum ACR of 44.95% and total repayments of $4,025. The Comparison Rate, based on a loan of $2,500 over 24 months, is 34.28%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
EXAMPLE: A Personal loan of $4,000 for 15 months has fees and charges totalling $2,200. The Minimum loan term is 15 months and the Maximum loan term is 16 months. Maximum ACR of 45.31% and total repayments of $6,200. The Comparison Rate, based on a loan of $2,500 over 24 months, is 34.28%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
EXAMPLE: A Personal loan of $5,000 for 19 months has fees and charges totalling $2,650. The Minimum loan term is 19 months and the maximum loan term is 20 months. Maximum ACR of 46.03% and total repayments of $7,650. The Comparison Rate, based on a loan of $10,000 over 36 months, is 25.35%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
This content was last reviewed on 15 October 2026By the Cash Stop compliance department.
You apply on our website from your phone or computer. Choose how much you'd like to borrow, tell us about yourself - including your address, employment, income and regular outgoings - and securely share your bank statements. We then assess your application, and if you're approved¹ we send your loan contract to sign online. Once it's signed, we pay the funds into your bank account, usually within 30 minutes via NPP.** Repayments then come out automatically, timed to your pay cycle.
You can apply online for any amount from $200 to $8,000.¹ Loans up to $2,000 are small loans repaid over 2 to 12 months. Loans from $2,100 to $8,000 are personal loans repaid over 12 to 20 months. The amount we can approve depends on your income, your expenses and what you can comfortably afford.
In most cases, yes. We can usually give you a decision on the day you apply, and once you're approved¹ and have signed your contract, the money is usually in your account within 30 minutes via NPP.** Applications completed late in the day or outside business hours may be assessed on the next business day.
Yes. We use a secure, bank-grade service that gives us read-only access to your statements for your application. It can't be used to move money or change anything in your account, and your information is handled under our Privacy Policy. Sharing statements this way is also faster than emailing or uploading documents.
No. Everything can be done online, from your application to signing your contract. If you'd rather apply in person, you're welcome to visit any Cash Stop branch instead.
Cash Stop is a direct lender. We assess your application, provide the loan and look after it until it's repaid. Cash Stop Financial Services Pty Ltd holds Australian Credit Licence 389 433, and you can confirm this on ASIC's Professional Register.
It depends on how much you borrow. For small loans up to $2,000, there's no credit check, so applying won't show on your credit file. For personal loans over $2,000, we do a credit check later in the application, and only if your application looks likely to be funded. As part of responsible lending, that enquiry is recorded on your credit file. Lots of loan applications in a short time can count against you with some lenders, so it's best to apply only for the amount you need rather than applying with several lenders at once.
The most common reasons are that the repayments wouldn't be affordable on your current income and expenses, we couldn't verify your details, you're behind on another loan, or your bank statements show other conduct that raises concerns, such as heavy gambling. If you're declined, we'll let you know. Taking some time to reduce your other commitments before applying again can help.
Call our team on 1300 762 261 and we'll help you find another way to provide your statements. You can also visit any Cash Stop branch and apply in person.
We'll email you with our decision. If your application doesn't pass one of our earlier checks, we'll let you know on screen as soon as possible instead. If you're approved¹, you'll get your loan contract to review, showing the amount, every repayment and the total cost. Nothing is final until you've read and signed it.
**Usually within 30 minutes via NPP instant transfers.
1 - Your loan approval with Cash Stop is not guaranteed, but is subject to verification, suitability and affordability
Our fees, rates and terms spelled out - see what a loan could cost before you apply.
From application to decision - see how a Cash Stop loan works, step by step.
Fund a holiday, a special occasion or a larger purchase - borrow $2,100 to $8,000 and pay it back over time.¹
